- Life After a Heart Attack
It is common knowledge that having a heart attack in your medical history is a red flag when it comes to applying for life insurance, but even with heart disease, you may not be excluded from be insured, nor do you have to pay exorbitant automatically premiums. According to the measures you have taken to treat your heart disease, and the severity of your condition, you may well be able to get a life insurance policy with affordable rates.
According to Christopher Graham, Vice President and Chief Underwriter for Hartford Life, “We are able to offer an insurance policy for the vast majority of people with history of heart disease.” Dr. Robert Gleeson, a medical underwriter and vice president at Northwestern Mutual Life Insurance Company emphasizes the same thing. “We spend our lives subscription diseases,” he says, “And, as an industry, we have had much experience with coronary artery disease.”
While your heart attack will likely disqualify from you from the best rates of life insurance, you may be able to qualify for the second highest level (“standard” versus “preferred”) anyway.
What can you do to make sure you pay the lowest possible premium?
You may be able to save money if you wait a year or two after a heart attack before you buy. If you can show that you take care of yourself more, meaning everything from better cardiogram results, lower cholesterol, and properly managed blood pressure.
Stay in treatment: While you wait to , you need to be proactive about improving your health. Work with your physician to change your diet, increase your exercise and taking the appropriate medications to keep your blood pressure steady. And find a quality therapist to manage your stress and anxiety levels.
When you apply for insurance, do not forget to provide documentation for what you did. It is not enough for you to know. The insurer needs to know. Be specific: It reassure underwriters purchase in your case. Dr Gleeson explains why: “If someone tells me that they have high blood pressure but does not give me any more information, I do not feel very good on the issuance of a policy without getting more information. ”
subscription procedures vary from insurance company to insurance company and are often updated as changes in medical knowledge and different treatments become standardized. If a company denies your request for post-heart attack life insurance, try another. Sometimes you have to shop around.
Having a heart attack is scary enough, but it does not have to leave you without life insurance. If you document your treatment process, and are patient with the system, you should be able to find affordable life insurance coverage, despite the state of your heart.
- Taking Care of Your Child’s Oral Health
The health of the child is important to parents. However, most of the time, oral health is often forgotten. This is equally important as neglecting your child’s oral health could cause tooth decay, which could cause pain and tooth loss. Moreover, bad oral hygiene could also lead to other problems, including heart disease and diabetes. Teaching your child early on proper oral care is recommended to prevent oral problems, as well as help them develop this habit, which they would bring with them until they grow up. Here’s how you can help your child take care of his oral hygiene.
Be a Role Model
Before even teaching your child to take care of his teeth and gums, you should set a good example yourself. Children look up to their parents and often imitate what they see in them. If you show them how it’s done, there’s a bigger chance that it wouldn’t be that difficult to make them do it as you live by example.
Guide Him in Brushing
As soon as your baby’s first teeth come out, brushing should be started. There are toothbrush and toothpaste that are designed for babies that you can use. Even before his teeth come out, dabbing the gums with wet clean cloth is recommended to help remove bacteria. Gently guide your kid in brushing his teeth when he reaches 2. By the time that he’s 4 or 5, he should be able to do it by himself, still with your supervision.
Assist Him in Flossing
Plaques and food particles can’t be removed by brushing alone. This is because there are hard to reach areas between the teeth and along the gum lines that can only be reached through flossing. You can start this at the age of 4. However, kids can usually do this alone when they reach 8 or 10.
Visit the Dentist
As with brushing, visit to the dentist should be done as soon as his first tooth shows up. You can find an affordable dentist who is an expert in dental and oral care. Preventive care would be given so your child could avoid unwanted oral problems.
Your doctor would give you further instructions on how to take care of your child’s oral health, as well as how often you should go for a regular check up.
Visit the Orthodontist
According to a top orthodontist in Richmond Hill, depending on your child’s situation, quality orthodontic work is just about as important as a quality dentist. It factors in to a complete picture of orthodontic health and should not be underestimated. Issues that may exist due to jaw and teeth alignment can have far reaching consequences and are not just cosmetic.