Memang harganya yang murah, praktis, menjadikan mie instan pilihan yang cocok untuk menemani musim hujan seperti ini, atau ketika lapar melanda di malam hari. Namun dibalik itu semua ada kanker yang sedang menanti, ditambah makanan pendukungnya ini juga mempercepat kanker.
Share pada teman, dan saudara anda yang suka makan mie berlebihan
Diberitakan Shanghaiist, Selasa (16/10/2018), pemuda 18 tahun yang diketahui tinggal di Taiwan itu mulai terbiasa makan mi instan tiap hari sejak SMA.
Remaja yang tak disebutkan namanya tersebut makan mi instan untuk menemaninya belajar tiap malam.
Setelah lulus SMA dan mulai memasuki perkuliahan, ia didiagnosis menderita kanker perut.
Gejala yang ditunjukkan di antaranya perut kembung, rasa mual, dan sakit perut.
Ketika diperiksa di rumah sakit, ternyata kanker perutnya sudah mencapai stadium akhir.
Sel kanker sudah menyebar pada organ-organ di tubuhnya. Ia akhirnya meninggal setelah satu tahun lebih berjuang melawan kanker.
Dr Gan, ahli kanker rumah sakit itu, memperingatkan masyarakat agar mengurangi konsumsi sosis, daging asap, asinan, dan mi instan.
Menurutnya, makanan-makanan tersebut dapat menjadi penyebab kanker. Boleh anda memakannya namun jangan terlalu sering agar tidak membuatmu mati sia-sia karena hal sepele.
Sumber: wajibbaca.com
Burial insurance and final expense insurance aren’t actually different types of life insurance policies. They’re both just terms that typically refer to whole life insurance policies for seniors with death benefits below $50,000. This means coverage lasts for the entirety of your life and, when you pass away, your beneficiaries will typically just receive a payout large enough to cover the cost of your funeral.
Burial insurance policies typically have a shortened underwriting process, either with no medical exam or guaranteed acceptance. Since there’s limited health information provided to the insurer, final expense insurance policies are typically more expensive than fully underwritten whole life insurance policies.
Final expense whole life insurance policies also typically have a cash value component, which is basically the amount of money you would receive back if you gave up the policy to the insurer. A portion of your premiums goes to fund the cash value, another reason why burial insurance policies can be quite expensive.
Depending on your health and insurer, you may have up to three options for how you can pay for final expense insurance:
Lump sum - Particularly unhealthy insurance shoppers may be required to make a lump sum premium payment for burial insurance. However, this can also be a helpful option if you’re concerned about keeping track of payments each month and is sometimes when favored when children buy coverage for their parents. Since there’s only one premium payment, coverage can’t lapse later when your family needs the policy in place.
Fixed period - This option is typically preferred if you’re currently working and have additional income to pay premiums, but are concerned about your ability to cover payments after retirement. You essentially pay higher rates for permanent coverage over a period of 10 or 20 years, then the policy is locked in for your lifetime.
Periodically (monthly or annually) - Making regular payments for your lifetime means each premium payment will be lower but you may pay a higher total amount, depending on how long you live. It also opens up the possibility of coverage lapsing if you forget to make a payment later on.
Should I Buy Final Expense Insurance?
Whether you actually need final expense life insurance is entirely dependent on your current financial situation and objectives. The first question to ask in this process is whether it would take you less than 10 years to save $10,000. Funerals typically cost around $10,000 and seniors can typically find term life insurance policies that provide at least 10 years of coverage. Given term life insurance policies are cheaper than the cost of burial insurance, we would recommend buying term coverage and saving if this is an option.
The next step is determining what life insurance policies you qualify for. The more underwriting during the application process, the lower the rates you’ll typically receive. Assuming you want permanent coverage and are just interested in a death benefit to pay your beneficiaries, you have a few options for final expense insurance:
Guaranteed Universal Life Insurance Simplified Issue Whole Life Insurance Simplified Issue Guaranteed Universal Life Insurance Guaranteed Acceptance Whole Life Insurance
Underwriting Health questions and medical exam Health questions, no medical exam Health questions, no medical exam None
Maximum Death Benefit Over $1 million Usually less than $100,000 Usually less than $250,000 Usually less than $25,000
Waiting Period None None None 2-3 years
If you’re a relatively healthy senior, you’ll likely qualify for guaranteed universal life insurance. This is essentially a term life insurance policy that lasts until you’re 121, or a particular age specified in the policy document. Since you can choose how much coverage you need and there’s a short medical exam, a guaranteed universal life insurance policy will be your cheapest option for covering funeral expenses. It also has the benefit of offering much higher death benefits if you have a mortgage or other financial obligation to cover.
If you’re unable to pass a medical exam but can still participate in normal activities without assistance, you should consider simplified issue whole or guaranteed universal life insurance. Since there’s no medical exam, it’s costlier, but still affordable as final expense insurance. Some insurers offer less than $100,000 in coverage, while a couple provide death benefits up to $500,000, meaning you can also cover other financial obligations if needed.
Guaranteed acceptance life insurance is the most expensive form of coverage, and we wouldn’t recommend this policy for burial insurance unless you were unable to qualify for any alternatives. And, if you are that unwell, be sure to note how long the policy’s waiting period lasts. During the waiting period, if you pass away, your beneficiaries will only receive the sum of your premiums paid plus interest. You typically need to pass away at least 2 years after purchasing coverage for your family to receive the full payout.
Burial Insurance vs Pre-