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 test 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 test 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 test 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!
A testicular test 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 test 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.
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 test 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 test 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 test 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 test 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.
Strong business partnerships can lay the foundation for unstoppable future growth.
The technology industry especially benefits from solid partnerships, as entire ecosystems can collaborate to provide solutions in a quickly evolving landscape. Hitachi Vantara LLC aims to stand out among its competitors by maintaining a high level of focus on developing knowledge, custom solutions and shared goals with throughout its partner ecosystem.
During today’s special broadcast, “Hitachi Vantara Drives Customer Success With Partners,” Hitachi Vantara executives joined theCUBE, SiliconANGLE Media’s livestreaming studio, to explore the opportunities and challenges midsize enterprises are tackling and the cutting-edge solutions needed to succeed with increasingly complex cloud infrastructures. (* Disclosure below.)
During the livestream, theCUBE industry analysts Dave Vellante and Lisa Martin spoke with Hitachi Vantara’s Kimberly King (pictured), senior vice president of strategic partners; Russel Skingsley, chief technology officer and global VP of technical sales; and Tom Christensen, global technology advisor and executive analyst.
Many large and midsized enterprises are embracing the flexibility and scalability of the cloud. However, cloud infrastructure is increasingly becoming more complex, posing challenges of cost and manageability. Companies are not only looking to partners to provide advice regarding where to go, how to migrate and which paths are right for them, but they are also faced with a mind-numbing amount of different solution options to choose from. How does a growing organization know what is the right fit for them?
Hitachi Vantara has worked to build a partner ecosystem where customers can receive much-needed help with some of these pain points within the cloud infrastructure. With help from Hitachi Vantara, partners dive deep into their customer’s workloads, critical applications, architecture and infrastructural needs to develop solutions that fit their needs and budget. Unlike many competitors, Hitachi Vantara considers their partners as vital extensions of their own organizations by providing them with quality engagement, according to King.
One way that Hitachi Vantara helps partners grow and expand their businesses is by providing a simplified, digital selling platform. The goal is to enable partners to readily find solutions that match their budget and receive pre approved quotes and learn more about systems so they can find which one best matches their needs. By helping their partners and their customers build the right infrastructure, Hitachi Vantara hopes to help both sides increase their cash flow and grow alongside each other.
“We provide them online what we call Hitachi Online Labs, which allows them to really leverage all the solutions and demo systems out there,” King said. “Because they have so many other solutions out there, we have to be one step ahead of everybody else to provide them that solution capability and the expertise that they need for their customers.”
One key element is Hitachi Vantara’s ability to establish its partners as trusted advisors to their customers.
“We have a solution that is simple, easy and really scaled for the type of customer that we have out there,” King stated. “This allows them to basically right-size their infrastructure based on the application, the workload, the quality or the need that application might have and ensure that we provide them with the best solution.”
Advising customers and helping them understand what is truly right for them is the key to their expanding partner ecosystem. Whether it is helping partners build their own infrastructures, assisting them in leveraging the infrastructure of a hyperscaler or other GSI — or, in many cases, helping customers repatriate their infrastructure because of increased complexity and costs — the company is able to help customers make the right choices.
What does the future hold for the partnerships at Hitachi Vantara?
“We have tons of priorities. I think, really, it’s double-digit growth for them and for us,” King said. “My biggest priority is always to increase the number of partner success stories that we have and increase the value to our partners … we want to be number one across the board.”
Here’s theCUBE’s complete video interview with Kimberly King:
One of the defining elements of our times is the increasing reliance on data and algorithms. By the year 2025, it is forecasted that the amount of data collected will rise to more than twice the amount held in 2020. Enterprises are struggling to capture, store, analyze and effectively use data to scale their business.
Businesses must employ the proper infrastructure in order to handle large amounts of data. For businesses such as the California-based Meta Platforms Inc., otherwise known as Facebook, it’s been the entire cornerstone of its profit structure. And things can get especially difficult when one considers the storage difficulties of handling large amounts of data. This is one of the many reasons the cloud is so popular. With the advent of the hybrid cloud, enterprises can now enjoy the ability to self-manage some of their IT while also enjoying the services of multiple third-party vendors.
Partnerships are key to optimizing use of the hybrid cloud, according to Skingsley. Enterprises are rarely able to purchase all their IT needs from one vendor and receive solutions that are custom fit for them. Even organizations using the public cloud, like those who work with Amazon Web Services Inc., rely on its Marketplace to introduce their customers to partner solutions.
“There basically is no hybrid at all without a partner ecosystem,” Skingsley stated. “We’ve been in the IT business for over 60 years, one of the few that can claim that sort of heritage. Partners are absolutely essential. We have a partners-first philosophy when it comes to our routes to market.”
It’s this approach that Skingsley credits for Hitachi Vantara’s reputation for providing the biggest and most reliable storage infrastructure.
“We make no apologies for the fact that we tout our speeds and feeds and ultimate supremacy!” Skinglsey said. “We’ve got solutions that are not just about storing the bits. We do think that we do that very well, but we also have solutions that move into the areas of enrichment of the data, cataloging of the data, classification of the data and, most importantly, analytics. Some of our competitors just stop at storing stuff and some of our competitors are in the analytics space, but we feel that we can bridge that and … that’s a competitive advantage for us.”
Here’s theCUBE’s complete video interview with Russell Skingsley:
More than 80% of the Fortune 100 trust Hitachi Vantara to help them develop new revenue streams, unlock competitive advantages, lower costs and enhance customer experiences. Enterprises are also increasingly asking their vendors to deliver socially responsible practices and environmental value. Sustainability by design and circular economics in particular have been part of Hitachi Vantara’s operational focus for years.
The company’s long-term vision for sustainability started in earnest in 2013, long before the mega trend toward sustainable solutions began.
“We built a factory with concrete walls that were extremely thick to make it cold in the summertime and hot in the wintertime with minimum energy consumption. But we also put 17,000 square meters of solar panels on the roof to power that factory,” Christensen said.
The company was also collecting rainwater, removing LED light bulbs, and standardizing customer packaging to better utilize shipping materials.
“We want to reduce the waste as much as possible,” Christensen added.
While Hitachi Vantara was one of the first to focus on sustainability before increased laws and regulations came about, it also remains committed to a long-term vision of sustainability, according to the executives. The crux of this focus on green energy and sustainability centers on circular economics in which old equipment is designed to be able to be refurbished and recycled for new, high-quality products.
This concept of circular economics has helped Hitachi Vantara lower the amount of waste that ends up in landfills by up to 1-2%. While this obviously has a positive effect on the environment, it also helps the vendor cut labor, material and energy costs. It’s what Christensen calls sustainability by design, focusing on how to build and reinforce a culture of sustainability that minimizes the company’s carbon footprint by design rather than as an afterthought.
Here’s theCUBE’s complete video interview with Tom Christensen:
And make sure to watch the complete “Hitachi Vantara Drives Customer Success With Partners” event video below:
(* Disclosure: TheCUBE is a paid media partner for the “Hitachi Vantara Drives Customer Success With Partners” event. Neither Hitachi Vantara LLC, the sponsor for theCUBE’s event coverage, nor other sponsors have editorial control over content on theCUBE or SiliconANGLE.)
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.
Looking For Life Insurance?
Compare Policies With Leading Life Insurance Companies
TOKYO -- Hitachi plans to hire 30,000 people skilled in the field of digital transformation over the next three years, a sharp contrast from U.S. information technology giants such as Twitter and Meta that are cutting their workforce.
The Japanese industrial group regards promoting digital solutions as the "No. 1 priority," President and CEO Keiji Kojima said, stressing the importance of investing in skilled staff for digital transformation.
Hitachi Energy just launched wireless Spark Prevention Unit indicators that help prevent wildfires by enabling remote monitoring.
According to the US Department of Energy, approximately 10% of wildfire ignitions are sparked by faults on electrical infrastructure or electric equipment failure. Hitachi Energy’s new Wireless SPU Indicators allow utilities to monitor the grid remotely, in real time, with automated visual inspection rounds.
The SPU monitors the current and thermal load of surge arresters – which protect equipment from surges in the power system – installed in wildfire risk areas.
If there’s a thermal overload in the grid, the SPU interrupts the current flow and disconnects the surge arrester, thus preventing any arcing – which is when a circuit becomes overloaded and overheats – sparking, or ejection of hot particles that could potentially start a wildfire.
A visual indicator on the SPU lets the utility field crew know that it needs to be replaced. Hundreds of thousands of SPUs installed in some of the world’s most wildfire-prone areas, such as in the United States and Australia, have had a real impact in preventing wildfires. Being able to monitor them remotely is only going to Excellerate wildfire prevention.
Read more: How the US can achieve resilient power grids and support EV deployment
Photo: Pok Rie on Pexels.com
UnderstandSolar is a free service that links you to top-rated solar installers in your region for personalized solar estimates. Tesla now offers price matching, so it’s important to shop for the best quotes. Click here to learn more and get your quotes. — *ad.
FTC: We use income earning auto affiliate links. More.
The past, and apparently continuing, move to reduce the academic requirements for high school diplomas in New York State is extremely troubling [“Survey: Most favor Regents adjustment,” News, Nov. 15].
The elimination of Regents exams removes one of the last remaining measures of universal academic performance of high schools and students across the state. Relying on student presentations to determine competency in a subject is a joke.
Teachers will be able to pass students at will with no meaningful measure of competency. We already have seen that many freshmen entering colleges require remedial help to begin to be able to successfully complete college-level courses.
Setting the standards so low simply to allow our education leadership, be they state Education Department personnel or district administrators and teachers, to declare success with high graduation rates is essentially perpetrating a fraud on the taxpayers and certainly not doing the students any favors.
Why not make high school diplomas like Little League “participation trophies”? Everyone gets one so the graduation rate, by definition, becomes almost 100%, given a few students will still drop out.
— Howard Frauenberger, Malverne
State Education Commissioner Betty A. Rosa says of those surveyed, “These are the voices of New York State.” However, she is only listening to a few voices, not the fuller “voices of New York State.”
The appendix of the survey indicates, as does the article, that 11% of the respondents are from Long Island. Those responses were based on a limited number of regional meetings held during the pandemic.
Only one in-person meeting was held in our area just before the onset of COVID-19, and a virtual meeting did not take place. Information relating to participating in the survey was also not widely circulated.
— Gloria Sesso, Port Jefferson
The writer is co-president of the Long Island Council for the Social Studies.
WE ENCOURAGE YOU TO JOIN OUR DAILY CONVERSATION. Email your opinion on the issues of the day to email@example.com. Submissions should be no more than 200 words. Please provide your full name, hometown, phone numbers and any relevant expertise or affiliation. Include the headline and date of the article you are responding to. Letters become the property of Newsday and are edited for all media. Due to volume, readers are limited to one letter in print every 45 days. Published letters reflect the ratio received on each topic.
TOKYO -- Hitachi Metals is working with manufacturers to develop motors for electric vehicles that use fewer rare earth metals, which are largely obtained from China, Nikkei has learned.
The listed subsidiary of Hitachi aims to replace magnets that use neodymium, the strength of which plays a crucial part in making high-performance motors. Hitachi's alternative magnet is expected to boost supply chain resilience.
Two manufacturers are to submit a joint bid to build HS2 trains in Britain.
Bombardier Transportation and Hitachi Rail announced that they will form a joint venture to compete for the £2.75 billion contract to design, build and maintain at least 54 new high-speed trains.
Manufacturing would be expected to be split between Bombardier’s plant in Derby and Hitachi’s factory in Newton Aycliffe, County Durham.
The firms, which also have maintenance facilities across Britain, employ more than 5,000 people in the country.
They had previously submitted separate bids for the contract.
Bombardier and Hitachi described themselves as a “tried and tested high-speed team”, having already built a high-speed train for Italy.
The latter built the original Shinkansen bullet train in Japan in 1964 and continues to develop updated versions.
Hitachi managing director Karen Boswell said the firms will “draw on a huge wealth of UK experience”.
She added: “Our aim is to deliver a new British icon that will be recognised around the world – a Spitfire for the British railway.”
Her UK counterpart at Bombardier, Richard Hunter, said: “We will combine both companies’ global high-speed expertise with unrivalled British experience, and help generate skills and prosperity across a number of UK regions.”
The formal tendering process is due to start later this year, with the winner announced in late 2019.
The trains will be used for phase 1 of the £55.7 billion high-speed railway, which will link London and Birmingham from December 2026.
They will also serve destinations on conventional lines beyond the core HS2 network, including York, Newcastle, Liverpool, Glasgow and Edinburgh.
Four other bidders have also been shortlisted – Alstom Transport, Patentes Talgo, Siemens and CAF.
The latter’s bid failed to make the shortlist announced in November last year, but an HS2 Ltd spokesman said it has been added “to ensure a robust competition” following the decision by Bombardier and Hitachi to form a partnership.
The award of UK train-building contracts to foreign firms with overseas manufacturing plants has been criticised in recent years.
In 2011, Germany-based Siemens was handed a £1.6 billion deal to build trains for London’s Thameslink, and in 2016 Spanish company CAF won a £490 million contract to manufacture trains for Arriva Rail North.
Alstom opened a train technology and manufacturing facility in Widnes, Cheshire, in June last year, while CAF will open a train factory in Newport, Wales, this autumn.
Another Spanish manufacturer, Talgo, is planning to build a factory in the UK and has visited potential locations in Leeds and Liverpool.