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.
The latest exam questions that hurt religious sentiments and demeaned women and one writer are unacceptable, said civil-society members, demanding an end to such "anarchy" in the education system.
The questions were prepared for HSC and equivalent examinations.
In a joint statement, signed by 24 eminent citizens, they said a universal, secular and science-based education system has not been established even after 50 years of independence, rather a regressive system has been set up.
People are now talking about whether teachers have the skills to prepare creative questions. "Both teachers and students need to acquire creative skills," they observed.
Pointing to the latest discussions on question papers, they said it is high time to think about the whole education system, not just the competency of those who prepare questions. "The demand of dropping Charles Darwin's evolution theory from the curriculum has also concerned us. This will hinder science study and free thinking. It will push the country backwards, towards communalism," reads the statement.
Among others, the signatories are Pankaj Bhattacharya, president of Oikya NAP; Advocate Sultana Kamal, former adviser to the caretaker government; Ramendu Majumdar, praesidium member of Sammilita Samajik Andolon; Rasheda K Choudhury, former adviser to the caretaker government; Prof Syed Anwar Husain of Dhaka University; and Dr Sarwar Ali, trustee of Liberation War Museum.
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.
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.
We scored companies based on these measurements:
Price (50% of score): We averaged the no-exam life insurance rates for males and females in excellent health at ages 30, 40 and 50 for $500,000 and $1 million and a term length of 20 years.
Maximum face amount for lowest eligible age (10% of score): Companies with higher no-exam life insurance coverage amounts for the lowest age earned more points. Note that maximum no-exam coverage can sometimes become lower if you apply at a higher age.
Age eligible for best length/amount (10% of score): Companies offering no-exam life insurance to folks over age 50 earned extra points.
Accelerated death benefit available (10% of score): This important feature lets you access part of your own death benefit in the event you develop a terminal illness
Option to convert to a permanent life insurance policy (10% of score): This is a good option to have in place if you decide you want a longer policy, especially if your health has declined and you don’t want to shop for new life insurance.
Guaranteed renewals (5% of score): This option lets you extend the coverage after your initial level term period has expired, such as at the end of 10, 20 or 30 years.
Renewal rates can be significantly higher, but renewing can provide extended coverage to someone who may no longer qualify for a new life insurance policy because of health.
Median time from application to approval (5% of score): We gave more points to companies with lower no-exam life insurance approval times.
The timeline for approval could be within seconds or a month, depending on the company and possibly even your health.
Sources: Bestow, Ethos, Fabric, Haven Life, Jenny Life, Ladder, Policygenius and Forbes Advisor research.
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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!
IRMSE will be a two-tier test -- a preliminary screening examination followed by a main written examination and interview
There would be two papers on optional subjects for 250 marks each. A personality test of 100 marks will also be conducted.
New Delhi | Published 03.12.22, 08:50 AM|
The Ministry of Railways has said the recruitment for the Indian Railway Management Service will be done through a specially designed exam that will be conducted by the UPSC from 2023 onwards.
The Indian Railway Management Service Examination (IRMSE) will be a two-tier test -- a preliminary screening examination followed by a main written examination and interview.
For screening candidates for the second stage of the examination, i.e. IRMS (Main) written examination, all eligible candidates shall be required to appear in Civil Services (Preliminary) examination, the ministry said in a statement on Friday.
The IRMS (Main) exam will consist of four papers of conventional essay type questions in subject sets.
The first will have two qualifying papers of 300 marks each -- Paper A on one of the Indian languages selected by the candidate and Paper B on English.
There would be two papers on optional subjects for 250 marks each. A personality test of 100 marks will also be conducted.
The optional subjects are Civil Engineering, Mechanical Engineering, Electrical Engineering, and Commerce and Accountancy.
The syllabi for the aforesaid qualifying papers and optional subjects will be the same as those for the Civil Services Examination (CSE).
The common candidates for CSE and IRMS (Main) exams may opt for any of the aforesaid optional subjects for both these examinations or choose separate optional subjects.
The language medium and scripts for the qualifying papers and optional subjects will be the same as those for the CSE (Main).
The age limit and number of attempts for various categories will be the same as those for the CSE.
The minimum educational qualification for the IRMSE will be a degree in Engineering, Commerce or Chartered Accountancy.
The Union Public Service Commission (UPSC) will draw and declare a list of finally recommended candidates from the four disciplines in order of merit.
The preliminary and main written round of both CSE and IRMSE will be held simultaneously, the ministry said.
The IRMSE will be notified simultaneously with the CSE, it said.
According to the Annual Programme of the Examination of the UPSC for 2023, CSE (Prelim) is scheduled to be notified and held on February 1 and May 28 respectively.
Except for the headline, this story has not been edited by The Telegraph Online staff and has been published from a syndicated feed.
Covers multiple project management methodologies and frameworks
DOWNERS GROVE, Ill., Nov. 8, 2022 /PRNewswire/ -- High-demand project management skills sought by employers are emphasized in the latest CompTIA Project+ certification exam released today by CompTIA, the nonprofit association for the information technology (IT) industry and workforce.
CompTIA Project+ covers essential project management concepts beyond the scope of just one methodology or framework.
The new CompTIA Project+ exam validates a broad set of skills required to effectively manage a project from start to finish. These skills include understanding technology's fit in projects; the hands-on agile and waterfall methodologies that are the preferred approach to managing a project; and the ability to identify and manage risk.
"Awareness and management of risk have been elevated as an organizational priority as industries become more regulated," said Thomas Reilly, chief product officer, CompTIA. "This heightened attention has filtered down to the individual project level, making it incumbent on project managers to understand risk factors and mitigate them."
Similarly, today's project managers must be able to work effectively with different management methodologies, such as Agile and Waterfall, depending on which is better suited for a particular project. One-third of the content on the new CompTIA Project+ exam focuses on project management concepts and methodologies.
"CompTIA Project+ is more versatile than other certifications because it covers essential project management concepts beyond the scope of just one methodology or framework," Reilly said. "It is ideal for IT professionals who need to manage smaller, less complex projects as part of their other job duties but still need foundational project management skills."
CompTIA developed the new exam with input from project management and technology subject matter experts representing a range of industries, including accounting, education, government, healthcare, pharmaceuticals, professional services and technology.
Project coordinators, QA leads, SCRUM masters, business analysts and IT professionals can benefit by becoming CompTIA Project+ certified. Earning this credential validates their ability to manage a project lifecycle; coordinate small-to-medium-size projects; establish communication plans; maintain project documentation; and manage resources and stakeholders.
CompTIA has also released a comprehensive suite of learning products for the new exam, including:
CompTIA CertMaster Learn, a self-paced eLearning environment that uses videos, assessments and performance-based questions to prepare for the exam.
CompTIA CertMaster Labs, which help learners gain hands-on experience configuring a wide range of technologies in a self-paced, pre-configured browser-based environment. For CompTIA Project+, 14 labs are available covering a variety of concepts and applications, such as MS Project and Visio.
CompTIA CertMaster Practice, an adaptive knowledge assessment tool that determines what a learner has already mastered and what they need to learn to Boost confidence and increase retention before an exam.
Books and other Official CompTIA Content to help the learner understand and master the material for their certification exam.
CompTIA Live Online Training for CompTIA Project+ will be available in early 2023.
For complete information on CompTIA Project+, including exam objectives, learning resources and testing options, visit https://www.comptia.org/certifications/project.
The Computing Technology Industry Association (CompTIA) is a leading voice and advocate for the $5 trillion global information technology ecosystem; and the estimated 75 million industry and tech professionals who design, implement, manage, and safeguard the technology that powers the world's economy. Through education, training, certifications, advocacy, philanthropy, and market research, CompTIA is the hub for unlocking the potential of the tech industry and its workforce. https://www.comptia.org/
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New Delhi: Recruitment to Indian Railway Management Service (IRMS) will be done through a specially designed examination (IRMS Examination) from March next year, the railways ministry said on Friday.
‘Ministry of Railways, in consultation with UPSC (Union Public Service Commission) and DoPT (department of personnel and training), has decided that recruitment to Indian Railway Management Service (IRMS) will be done through a specially designed examination (IRMS Examination) to be conducted by the UPSC from the year 2023 onwards,” a railways ministry statement said.
“The IRMSE will be a two-tier examination- a Preliminary Screening Examination, followed by a Main Written Examination and Interview,” a railways official said.
Candidates who clear the preliminary examination will be allowed to write the second stage mains examination.
The IRMS (Main) exam will have four papers including two qualifying language papers, English and Indian language, of 300 marks each. The other two papers will be optional subjects for 250 marks each. The personality test has been assigned 100 marks.
“The common candidates of Civil Services (Main) examination and IRMS (Main) may opt for any of the optional subjects for both these examinations or choose separate optional subjects for these exams (one for the CSE (Main) and one for the IRMSE (Main) as per the schemes of these two examinations,” the statement said.
The age limit, medium of language and script for the papers and optional subjects and number of attempts will be the same as those for the CSE (Main) exam, the ministry said.
The ministry also said that the minimum educational qualification required to appear for the exam will be a degree in engineering, commerce or chartered accountancy.
‘An indent for IRMSE (150 numbers) is being placed on UPSC which will consist of following numbers from the four optional; Civil (30) Mechanical (30) Electrical (60) and Commerce and Accountancy (30,’ the statement added.
The IRMSE will be notified simultaneously with the CSE, a second official said.
As per UPSC’s annual plan of examinations for 2023, the Civil Services (P) Examination – 2023 is scheduled to be notified and held on February 1 and May 28, 2023, respectively.
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