A testicular exam is a check of the look and feel of your testicles, to see if there may be any problems. You or your doctor can do it.
Every man should have a testicular exam. There is no recommendation that a testicular exam should be part of your annual physical exam. But your doctor may suggest that you do a self-exam on a regular basis. Some doctors recommend checking your testicles once a month. Others say it's fine to have your doctor check once a year.
If you are having problems, or notice a lump or other changes in how your testicles feel or look, tell your doctor.
Exams can be a good way to find lumps that could be cancer or another problem.
There’s no harm in a self-exam, and doctors say it’s good to know how your testicles look and feel so you can notice any changes.
A self-exam is quick and painless. It takes only a few simple steps:
Don’t worry if you feel a cordlike structure behind each testicle. It’s a normal part of the part of the scrotum that stores and moves sperm. It’s not a lump.
If there is a suspicious lump, your doctor might run a painless ultrasound to get a better look for signs of cancer. They might do a blood test to see if there’s an indication of cancer. If the doctor thinks it may be cancerous, they may decide to do surgery to remove the testicle and check for cancer. If it is cancerous, they can determine what kind.
Removing one testicle shouldn’t impact your sex life or your fertility, but having testicular cancer or its treatment could impact fertility. If you think you may want to have children, talk to your doctor about preserving sperm before treatment.
Here are some facts to know about testicular cancer:
It’s rare: Your chance of getting it is about 1 in 250.
It most often affects men ages 15 to 34: It’s the most common cancer in this group.
It’s highly curable: The risk of dying from it is 1 in 5,000.
Early identification is key: It’s more likely to be treated and cured if it’s found early.
Some things increase your risk: Testicular cancer generally can’t be prevented, but some things increase risk. Your risk is higher if you’re white and non-Hispanic or have an undescended testicle or a family history of testicular cancer.
Other symptoms of testicular cancer
A lump is the most common symptom, but others include:
A lump or other symptom doesn’t mean you have cancer or any other problem.
ICAI CA Foundation exam mock test
The Institute of Chartered Accountants of India (ICAI) which is set to hold the CA December 2022 exams on December 14, 16, 18 and 20 will conduct the second series of mock tests from November 28. Candidates appearing in the December CA exams can register for the mock tests at icai.org. The ICAI CA mock test will be held in physical and virtual modes. For students appearing in physical mode will have to contact their respective regional councils and respective branches.
Recommended: download Free Important E-Books Releated to ICAI exam Preparation. Click Here
The ICAI CA mock test for December Foundation will begin on November 28, 2022 and will continue till December 1, 2022. The CA December Foundation exam timings for the mock test series 2 have been scheduled to be conducted between 2 pm and 5 pm and 2 pm and 4 pm on November 28 - 29 and November 30 and December 1 respectively.
2 PM to 5 PM
Paper-1: Principles and Practice of Accounting
Paper-2: Business Laws and Business Correspondence and Reporting
2 PM – 4 PM
Paper-3: Business Mathematics and Logical Reasoning & Statistics
Paper-4: Business Economics and Business and Commercial
Link for registration in Student Activities Portal: bosactivities.icai.org
List of Regional Councils/Branch Offices of ICAI: drive.google.com/file/d/1f8EZj-p_kM94JpEd4TjfOqyM7CzvCX8z/view?usp=share_link
Question papers for each subject of the CA Foundation mock test, ICAI said, will be uploaded at BoS Knowledge Portal on the icai.org as per schedule by 1:30 pm every day during this period. Students are advised to download and attempt MTPs in the stipulated time limit. Answer keys to the papers will be uploaded within 48 hours from the date and time of the start of the respective paper, as per schedule through which students can assess their performances.
Life insurance helps you provide for loved ones after your death. With life insurance policies, yourget a cash payment when you're gone, one they can then use toward .
Most insurance companiesbefore they approve you for life insurance coverage. You may be uncomfortable with this, or want to avoid it. Enter .
Many kinds of people may find no-exam life insurance appealing. No-exam policies can be smart if you have a pre-existing health condition, terminal illness, are a smoker or have a risky job (like fire fighting or construction).
Or, you may need life insurance as collateral for a loan or a sudden change in marital status like divorce.may bump up against age limits for some traditional kinds of policies and find no-medical exam life insurance worthwhile.
If you think you would benefit from a no-exam life insurance policy then reach out to an insurance pro now. They can help you get started with a free price quote so you know exactly what to expect.
No medical exam life insurance comes in bothpolicy forms. Though there's no medical exam, each insurance type may ask for some health information on the application. Premiums are often more expensive than traditional life insurance policies that require medical exams. They can also provide significantly lower coverage. Guaranteed life policies, for instance, are often $25,000 in coverage or less.
The first step in getting no-medical exam insurance is deciding what kind is right for you. Here are four main types
If you think you would benefit from having a no-exam life insurance policy then reach out to a professional now or use the table below to start searching for providers.
Seek advice from an insurance agent, your financial adviser, or another expert before you apply in order to be certain that no-exam life insurance is the best option for you.
Once you've decided on a no-exam life insurance provider, you'll need to fill out an application. Depending on the policy type, you can expect:
Be honest with your answers. A life insurance company can deny coverage or payout if you aren't being truthful on your application, like if you lie about smoking.
Follow the instructions to submit your application. Once you've submitted, it can take just hours for accelerated underwriting approval to weeks depending on the type of no-exam policy you're seeking.
Get started now and see what you can qualify for!
|28.11.2022||2 PM to 5 PM||Paper-1: Principles and Practice of Accounting|
|29.11.2022||Paper-2: Business Laws and Business Correspondence and Reporting|
|30.11.2022||2 PM – 4 PM||Paper-3: Business Mathematics and Logical Reasoning & Statistics|
|01.12.2022||Paper-4: Business Economics and Business and Commercial Knowledge|
The Institute of Chartered Accountants of India (ICAI) will conduct the mock test paper series 2 from tomorrow, November 28. Candidates can register online for the mock test through the official website– icai.org. The CA Foundation mock test series 2 will be held from 2 pm to 5 pm on November 28 and November 29. The mock test on November 30 and December 1 will be held from 2 pm to 4 pm.
Recommended: download Free Important E-Books Releated to ICAI exam Preparation. Click Here
ICAI's official website reads: “In continuation of Mock Test Paper Series – I, the Board of Studies (Academic) is commencing Mock Test Papers Series – II from November 28, 2022 for students appearing in CA Foundation December 2022 examination.”
According to the schedule, the question papers for each subject of the mock exam will be provided at the BoS Knowledge Portal by 1:30 pm every day. Additionally, the answer keys, which will allow students to evaluate their performance, will be uploaded within 48 hours after the commencement of the paper.
The subject of the mock test series includes Principles and Practice of Accounting, Business Laws and Business Correspondence and Reporting, Business Mathematics and Logical Reasoning and Statistic, Business Economics and Business and Commercial Knowledge.
The CA foundation series 2 mock test will be conducted in physical or virtual mode. Those students appearing in the physical mode need to contact their respective regional councils and respective branches. The CA December 2022 exam is scheduled to be held on December 14, 16, 18 and 20, 2022.
The Institute of Chartered Accountants of India, ICAI on Wednesday released the hall tickets or admit cards for CA Foundation December 2022 exam. The candidates who are eligible and got themselves registered can check and download their admit card now. The candidates can download the admit card of CA Foundation December 2022 exam from the official website i.e. onicaiexam.icai.org.
The ICAI December Foundation exam is scheduled to be conducted on December 14, 16, 18 and 20, 2022. Registered candidates are advised to keep an eye on the official website for not missing any updates.
In order to check the same, students should be ready with their registration number and password. The direct link to download call letter has also been attached.
ICAI CA Foundation exam 2022: Steps to download admit cards
For the convenience of the candidates, we have mentioned the steps via which they can download the admit card:
All of the companies on this list represent good options for getting life insurance without a medical exam. All are A+ rated or better for financial strength and have received fewer complaints than expected when averaged over a three-year period. If you don’t need more than $3 million in coverage and are 50 or younger, any company on this list could be a good fit. But if you’re over 50 and looking for a death benefit of more than $1 million, you can rule out Nationwide. If you’re over 60, your only option for high-coverage no-medical-exam life insurance is Penn Mutual. And regardless of your age, Penn Mutual is your only option if you need a death benefit greater than $5 million and don’t want to take an exam.
If you’re looking for term coverage, try Penn Mutual or Pacific Life; for dividends, Penn Mutual or Guardian. If you want free living benefits, look to Nationwide. And if you’d like a wellness plan with your life insurance, John Hancock delivers.
A number of companies offer life insurance policies without requiring a medical exam, but you’ll generally be eligible for the lowest premiums with those that ask thorough health questions on the application.
Most any type of policy is eligible for no-exam underwriting. It used to be that if you wanted to skip the exam, only low-coverage insurance policies were available to you. These are still available and sold as burial or funeral insurance, or guaranteed-issue policies. But now, insurers have a number of sophisticated means by which to collect health and other information, so they don’t need to rely on your exam. Plus, it costs them money to administer it and time to receive and review the results. No-exam underwriting allows insurance carriers to issue life policies faster, which is often good for both the customer and the insurer.
So whether you’re looking for term or permanent coverage, a whole life policy or an indexed universal life policy, it’s available somewhere without a medical exam. But not all companies offer no-exam life insurance on all or even any of their policies, so you’ll need to do some research to find one that does. (The companies in the list above are an excellent start.) The one caveat is that not everyone is eligible for no-exam underwriting. If you have health issues that raise red flags for the insurance company, you may be required to undergo a medical screening to complete your application.
Yes, if it's a policy with a cash value. No-exam life insurance policies are just like regular life insurance policies. The only difference is that a medical screening is not required during the application process. Once approved, the policy functions just as it would had you taken an exam. So if you’ve purchased a permanent life insurance policy that builds a cash value, that cash value will be available to you, subject to any surrender period or other standard policy conditions.
Choosing the best life insurance policy for you depends on your life insurance needs. How much coverage do you need? (Ideally, you’ll get enough to pay off your debts and replace your income, at the very least.) How long do you need it for? Your needs may change once your kids are grown and your home is paid off, for instance. The next question to ask is, how much premium can you afford?
The answers to these questions will help you narrow down whether you need term or permanent life insurance coverage. Term life insurance is designed to last for a specific number of years, such as 30, and then expire. Permanent life insurance is designed to last your entire lifetime, and is therefore more expensive than term. You may also want to combine term and permanent policies to have a higher-coverage term policy during your working years or while you’re raising a family, and then a lower-coverage permanent policy that will kick in once the term coverage expires.
Term policies let you choose the length of the term (a 40-year term is the longest we’ve seen), and often provide the option to convert your term coverage to permanent. Permanent policies have a cash value, which may be accessed via withdrawals and loans.
Once you’ve figured out your budget and the general type of coverage you need, you should begin to get quotes from financially stable companies with track records of good customer satisfaction.
If you want a no-exam life insurance policy, it may be helpful to know that most of the 91 companies we reviewed offer some sort of policy that doesn’t require an exam. You’re best off first finding a good company (or a few you like), and then seeing what kind of policy you can get without an exam. This review and our review of the best life insurance companies of 2022 are both good places to start. And be sure to compare multiple quotes for no-exam life insurance because some policies are cheaper than others (depending on the type of no-exam underwriting used).
In order to compile our list of the best no-medical-exam life insurance companies, we developed a comprehensive life insurance methodology. We started off by researching what consumers want from life insurance companies, and for that, we looked to third-party consumer studies, including J.D. Power’s 2021 U.S. Life Insurance New Business Study and the 2021 Insurance Barometer Study, by Life Happens and LIMRA.
With those findings in mind, we gathered more than 50 data points on 91 life insurance companies, including ratings for financial strength, customer satisfaction, and customer complaints, as well as information about years in business, online tools, no-exam options, dividends, maximum issue ages, and available riders.
Our review process gave preference to companies with solid financials, few customer complaints, high no-exam coverage amounts available, high-issue ages for no-exam coverage, and a broad product portfolio. Companies received ratings boosts for online resources, including online quotes and live chat, and included living benefit riders. We ranked each company according to the following categories and weights.
To finalize our list, we compared individual offerings between top companies by considering ratings from third parties such as AM Best and J.D. Power, and delving deeper into product specifics—including cost and the availability of dividends. We used this research to determine the best no-medical-exam life insurance companies.
ICAI CA Foundation admit card for December exam 2022 has been released in online mode. Candidates can download the CA Foundation December 2022 admit card by using their registration ID and password. Check steps to download here
ICAI CA Foundation exam 2022: The Institute of Chartered Accountants of India (ICAI) has issued the CA Foundation December admit card 2022 today. Candidates can download the ICAI CA Foundation admit card 2022 for the December exam at - icaiexam.icai.org. They will have to use their registration number and password in the login window to download ICAI CA admit card 2022.
Candidates must note that it is mandatory to carry the ICAI CA Foundation December admit card while appearing for exam. They also need to have a valid ID proof along with the CA Foundation admit card to appear in the examination. ICAI December Foundation exam will be conducted on December 14, 16, 18 and 20, 2022.
ICAI CA Foundation Admit Card 2022 for December Session - Direct Link (Available Now)
Only the registered candidates will be able to download the admit card of CA Foundation. They will have to visit the official website to download their ICAI CA hall ticket for December exams. Go through the steps for more details -
As per the information available, the CA Foundation admit card for December exam will likley to include the name of the candidate, roll number, exam centre address, name of exam centre, exam dates, reporting time and exam day instructions. Candidates must check the details mentioned on their ICAI CA Foundation admit card carefully. In case of any issues, they can contact the exam authorities to make the appropriate changes.REGISTER FOR RESULTS UPDATES
Obtaining life insurance can help you pass money on to your family or otherafter your death. But not all life insurance policies are the same. Not only can there be differences in factors like monthly premiums and , but there can also be varying requirements to qualify for a life insurance policy.
One route that some people take is, meaning you don't have to visit a doctor to be eligible. If you don't want to make an extra trip to the doctor's office or you're concerned the exam results could lead to even higher costs, then this may be a reasonable option.
Here's a look at some of the top life insurance providers available.
Before you make any final decisions, let's take a closer look at what no-exam life insurance policies are — and why you might consider going this route.
No-exam life insurance can include several different types of life insurance that do not require medical exams to initiate coverage. Here are two examples:
To get a no-exam life insurance policy, you can search online for simplified or guaranteed issue policies, which are relatively common. You can also dig into the offerings of different insurance companies, as even if an insurance provider uses different terminology, they might still allow for coverage without an exam.
To learn more about different types of life insurance policies and options, speak to an expert. Haven Life, a New York City-based life insurance agency, can walk you through the process. You just need to answer a few basic questions to get a free quote.
Don't assume that just because something isn't specifically called a "no-exam life insurance policy" you need an exam. Regardless of what the provider calls the policy, check the fine print to see if you need a medical exam or not.
Some providers also offer options like being able to convert a term life insurance policy into a whole life insurance policy without needing a medical exam. That's not to say that you're always better off converting vs. taking out a new policy, but it could be worth considering.
No-exam life insurance policies typically cost much more than ones with medical exams. That's because the insurer needs to account for the extra risk that can come from not knowing enough about your medical situation.
For example, with one major life insurance provider, a simplified issue life insurance policy for a 20-year/$500,000 term for a 40-year-old, non-smoker woman in good health in California costs nearly $50 per month. In contrast, the same type of policy for regular term life insurance with a medical exam only has an estimated cost of $30 in monthly payments.
You can also compare prices and plans by scouring life insurance providers online and getting free quotes.
There can be a cost to the convenience of no-exam life insurance policies. But it's also possible that the economics work out in your favor. It's possible that something would be discovered during a medical exam that increases your risk to the insurer, thereby raising your rates or perhaps even making you ineligible altogether. No-exam life insurance policies can alsothose who don't qualify for typical life insurance due to factors such as age or medical history.
However, if you're in relatively good health, meet a prospective insurer's age requirements and are comfortable seeing a doctor, then this type of insurance may not be for you — as you maywith the medical exam.
Overall, a no-exam life insurance policy can offer a path for some higher-risk individuals to obtain life insurance or it could be a good way to quickly obtain coverage. However, you might be able to find lower rates if you go through with a medical exam, so it could be worth exploring your options to see what best fits your budget and goals.
Institute of Chartered Accountants of India (ICAI) will hold the second mock test for CA Foundation December examination between November 28 and December 1.
“In continuation of Mock Test Paper Series – I, the Board of Studies (Academic) is commencing Mock Test Papers Series – II from November 28, 2022 for students appearing in CA Foundation December 2022 examination,” ICAI said in a notification.
The mock test will be conducted in both physical and virtual modes. Those who want to appear in this test in physical mode can contact their respective regional councils & branches, ICAI said.
Admit cards for CA Foundation exam expected are soon. When published, students can download it from icai.org or eservices.icai.org.
The exam will be held on December 14, 16, 18 and 20, 2022. Papers 1 and 2 will be held for 3 hours from 2 pm to 5 pm and papers 3 and 4 will be held for 2 hours from 2 pm to 4 pm. Candidates can answer papers in English or Hindi