Memorizing these INBDE Study Guide is sufficient to pass the exam.

We are doing an extraordinary battle to offer you genuine Integrated National Board Dental Examination (Day 1 exam) test questions and responses, alongside clarifications. Each INBDE brain dumps on has been checked and approved by our INBDE specialists. They are qualified and confirmed individuals, who have a seriously long encounter seen with the Medical certificates. They really look at the INBDE Exam Braindumps according to cram.

Exam Code: INBDE Practice test 2022 by team
INBDE Integrated National Board Dental Examination (Day 1 exam)

Exam Code : INBDE
Exam Name : Integrated National Board Dental Examination 2022

The INBDE is a two-day examination administered on a computer. Day 1 consists of 360 test items (3 sets of 100 standalone items, 1 set of 60 case questions). Day 2 includes 140 test items (2 sets of 70 case questions).

The INBDE is an examination foreign-trained dentists must take and pass in order to earn admission into any advanced standing programs in the US dental schools. This article is a COMPLETE GUIDE TO THE INBDE and the necessary steps required, questions usually asked, study material which students find helpful etc for the INBDE examination. It is a crucial step forward which is a must for all international dentists seeking to be dentists in the US.

The INBDE is designed to be scored as a pass or fail test, and numerical scores are not provided to candidates. Though scores are not given, the exam’s attempt is definitely counted and appears in the final report. It is always better to pass these competitive exams on the first attempt, as candidates with multiple attempts will definitely be at a disadvantage when applying to competitive schools. Most schools do keep in mind the number of attempts needed to clear the exam. Hence, it is good to attempt the test when thoroughly prepared to avoid a failed attempt.

NBDE test Covers following syllabus:

- Cell, Embryology & Histology, Tissue, General Anatomy of Muscles and Muscles of Head & Neck
- Basic anatomy about blood vessels, Arterial & Venous supply of Head and Neck, Thorax & Abdomen, Heart, Lymphatic system
- General anatomy of bone, joints, head and neck osteology, TMJ, Brain, nervous system, cranial nerves
- Mouth, pharynx, larynx, tooth development, tooth histology, PDL, Gingiva
- Dental anatomy terminology, Notation systems, chronology of dentition
- Primary dentition, permanent dentition
- Development of dental occlusion, terminology & concepts of occlusion, movements of mandible position
- Development of tooth, histology of tooth (Enamel, Dentin, cementum, pulp), Histology of oral structures (PDL, gingiva, oral mucous membrane)
- Carbohydrates, enzymes, lipids, DNA, RNA
- Proteins, Vitamins, minerals
- Blood, heart, CVS, GIT, Endocrine system, Reproductory system
- Lungs, respiratory system, kidneys, urinary system, nerves, ANS, CNS, Special sensory organs
- Inflammation, necrosis, blood disorders, heart disorders, bone disorders
- Kidney disease, liver disease, lung disorders, neoplasms, syndromes
- Sterilization and disinfection, bacteriology, immunology
- Virology, mycology, parasitology, vaccines
- Oral Diagnosis, Oral Surgery/Pain Control, Pharmacology

Integrated National Board Dental Examination (Day 1 exam)
Medical Examination Study Guide
Killexams : Medical Examination Study Guide - BingNews Search results Killexams : Medical Examination Study Guide - BingNews Killexams : 9 Best Life Insurance Companies of December 2022 | Money

Life insurance can help your family cover final expenses, funeral costs, education fees, loss of income, or any other financial need.

Below, you’ll find our selection of the best life insurance companies for December 2022. We’ve called out their distinctions, along with the various policies and premiums provided.

Our Top Picks for Best Life Insurance Companies

  • Bestow – Best no-exam life insurance
  • Ethos – Best for guaranteed coverage
  • Policygenius – Best online broker
  • Haven Life – Best term life insurance
  • Ladder – Best for flexible coverage
  • State Farm – Best for customer satisfaction and stability
  • New York Life – Best whole life insurance
  • Nationwide – Best for bundling discounts
  • Northwestern Mutual – Best for policy customization
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Best Life Insurance Companies Reviews

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Why we chose it: Bestow issues term life insurance more quickly and easily than most companies, and it offers an unusually high death benefit for policies that do not require a medical examination.


  • High coverage (up to $1.5 million) without a medical exam
  • Online application and quick processing
  • Terms range from 10 to 30 years
  • Long (30-day) free look period


  • No riders available
  • Sells only one type of life insurance, term insurance
  • Must be less than 60 to qualify for coverage
  • Policies not available to residents of New York

Bestow is our choice for individuals who want to get life insurance coverage but don’t want to go through the hassle of a medical exam. The company sells term insurance policies (and only those), so you can apply online and purchase a policy without visiting a doctor or having tests such as blood work done. You can get up to $1.5 million in coverage, a higher maximum than other no-exam policies.

The company uses your personal information and your answers about your medical history, hobbies and lifestyle to determine your eligibility for life insurance and your rates. Bestow claims you can get a quote and purchase a policy within minutes, all online.

Bestow policies are issued by top-rated insurer North American Company for Life and Health Insurance. Additionally, life insurance from Bestow is now embedded into Lemonade’s app and website. Bestow also offers a comprehensive library of helpful information.

Read full review>>>

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Why we chose it: Ethos stands out as a life insurance provider for accommodating a wide range of potential applicants, including people who may have struggled to qualify for insurance in the past – such as older individuals. Prospective customers can also receive a quote within minutes without needing to talk to a life insurance agent.


  • Sells term and permanent coverage
  • Access to a free legal will and estate plan
  • Guaranteed issue policies available
  • Quotes and application process entirely online
  • Accelerated death benefit rider included on most policies


  • Little information publicly available about optional riders
  • Limited permanent life insurance options

Ethos offers three types of underwriting:

  • Simplified issue: Simplified issue policies require you to answer questions about your health and medical history, but medical exams are not necessary.
  • Guaranteed issue: With guaranteed issue policies, you cannot be denied based on your medical history or health.
  • Fully underwritten: Fully underwritten policies require medical exams and bloodwork.

Ethos uses either simplified issue and fully underwritten methodology for its term policies, and guaranteed issue underwriting for its whole life insurance policies (no company we know of offers term policies with guaranteed coverage).

The guaranteed issue whole life policy is available to individuals between 65 and 85. Applicants can obtain instant approval for up to $25,000 of coverage, regardless of their medical history.

Most policies include an accelerated death benefit rider that allows policyholders to tap into a portion of their benefits if diagnosed with a terminal illness.

Read full review>>>

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Why we chose it: As a comprehensive online life insurance marketplace, Policygenius offers one-stop access to life insurance products from a wide range of partners, including some of the best life insurance companies mentioned on our list. Unlike some other comparison sites, this one pledges not to sell your information to third parties.


  • Quickly and easily compare quotes from multiple insurers
  • Agents don't work on commission, the company says
  • Multiple types of insurance available


  • Online quotes are not available for all providers
  • Takes more time than some other options to get a final price

Policygenius takes the top spot as the best online life insurance comparison tool and broker for its satisfying provision of one-stop shopping from a range of insurers. Policygenius’s partners include such names as AIG, Banner Life, Brighthouse, John Hancock, Lincoln Financial, Mutual of Omaha, Pacific Life, Principal, Protective, Prudential, SBLI and Transamerica.

This online marketplace also offers an extensive library of educational resources for those new to life insurance, including recommendations for life insurance for people who suffer from depression and diabetes. Coupled with its broad range of coverage options such as term or permanent coverage policies, these resources make Policygenius a standout option for comparing life insurance quotes.

If you need help choosing the right policy or coverage amount, PolicyGenius’ agents can provide you personalized assistance. They are paid by salary rather than commission, the company says, so they aren’t incentivized to oversell or to direct you to certain products that may earn them a higher commission.

Read full review>>>

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Why we chose it: Haven Life provides an unusually wide range of term life insurance options, including plans with especially high death benefits. Additional perks such as online services to create a will are also available.


  • Offers two types of term policies: Haven Term and Simplified Issue
  • Haven Simplified Issue doesn't require a medical exam
  • Up to $3 million in term coverage
  • Haven Term includes Haven Plus with perks and discounts


  • Medical exams required for over $500,000 of coverage
  • Simplified issue policy not available in CA, DE, SD, ND or NY
  • Haven Plus not available in FL, NY, ND, SD, and WA
  • Policies cannot replace another life insurance policy

Haven Life gets our nod for the best term insurance coverage because of its impressive array (10-, 15-, 20-, 25- and 30-year) of policy terms, along with coverage amounts that range from $100,000 to $3 million.

Haven Life offers two types of term life insurance policies: Haven Term and Haven Simple. Haven Term includes Haven Life Plus, a rider that provides access to an online service to develop a will or trust, fitness and sleep tracking apps and an online storage vault for important documents.

Applicants who are younger than 64 can get up to $3 million of coverage through Haven Term. Haven Simple is only available for applicants aged 20-55 and includes the Accelerated Death Benefit rider.

Read full review>>>

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Why we chose it: True to its name, Ladder’s appeal is its adjustability. As your needs change, you can increase or decrease your coverage. Also, its premiums start at only $5 a month, so you can purchase a life insurance plan even if you’re on a tight budget.


  • Term coverage can be adjusted over time
  • $100,000 to $3 million in term coverage available
  • 30-day free look period, rather than the 10-day norm
  • No medical exams for up to $3 million in coverage


  • Plans limited to people between 20 and 60
  • Only term coverage is available
  • No optional riders

Despite writing only term policies for relatively young applicants, Ladder is the best life insurance company with a flexible option we’ve found. It uses a simple three-step online application and offers affordable policies that start at $5/month. The company also doesn’t charge any cancellation fees, which means you can cancel your coverage at any time, with no strings attached.

Another appealing feature for Ladder is that, unlike other insurers, it allows policyholders to change their coverage amount online at any time — with corresponding changes in premiums, of course. This perk can help policyholders maintain an affordable policy at all times, and might be especially attractive to those panic about possible changes in their financial circumstances down the road.

*Based on a 20-year-old female rated Preferred-Plus for a $100k policy with a 10-year term.

Read full review>>>

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Why we chose it: If a satisfying consumer experience is paramount for you, State Farm should be a leading option. It has an excellent reputation for customer service, along with an outstanding record for financial stability.


  • Top-ranked company for customer satisfaction
  • Low number of customer complaints
  • Multiple policy options
  • Simplified-issue (no exam) policies available


  • Online quotes not available for all policy options
  • Most policies require medical exams
  • No discounts if bundled with homeowners or auto insurance

State Farm is a leading insurance company and our pick for the best insurer for customer satisfaction and reliability. In 2022, for the third year in a row, J.D. Power named State Farm as the top company in its U.S. Individual Life Insurance Study, which measures overall satisfaction based on responses from almost 6,000 customers.

The company has an A++ (superior) rating from AM Best — the highest rating possible — indicating that it’s very financially stable. And, State Farm received fewer complaints than is expected for a company of its size.

State Farm sells term, whole and universal life insurance policies. Although most of its plans require medical exams, it does have some simplified-issue options.

Read full review>>>

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Why we chose it: New York Life insurance options include both term and permanent life insurance policies. Its term policies include a conversion option if you decide you want permanent coverage later on. It also underwrites AARP’s life insurance program.


  • Multiple term, whole and universal life policies available
  • Several optional riders can be added to policies
  • Highly rated company
  • Potential to earn dividends


  • Must work with an agent
  • No online quotes available

While it also sells term life insurance, New York Life is the best company for people seeking a permanent life insurance policy, including those of the whole life type. (Permanent life insurance is more costly but accumulates a cash value in addition to its death benefit.) The company offers multiple types of permanent life insurance options, including universal and variable universal life plans. It also has several optional riders you can add to plans to customize your coverage.

New York Life has a strong reputation, and, because it’s a mutual insurance company, its policyholders own part of the company’s shares. Depending on the type of policy you have, you may be eligible to receive dividends.

However, New York Life doesn’t allow customers to get quotes online. For details on its policies and rates, you have to work with an agent.

Read full review>>>

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Why we chose it: It’s relatively rare to get a break on your life insurance rates by bundling it with other types of coverage a company offers, but Nationwide offers such discounts. It writes term, whole life and universal policies, and has strong ratings for customer satisfaction and financial stability.


  • Discounts available when bundled with homeowners or auto insurance
  • Multiple insurance plans and optional riders


  • Most policies require medical exams
  • Most policies must be purchased through agents

Nationwide is a leading insurance company that is well-regarded by third parties like AM Best, which rates financial stability, and J.D. Power, which scores customer satisfaction. It offers multiple life insurance options, including term, whole and universal life coverage. It also has several optional riders you can use to adjust your policy to your needs.

Although Nationwide’s policies usually have to be purchased through an agent, the company does have a major perk over other companies: it offers a multi-policy discount when you bundle life insurance with homeowners and auto insurance, making your premiums more affordable.

Read full review>>>

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Why we chose it: Insurance riders allow you to get coverage for loved ones, access your benefits under special circumstances or even waive your premiums if you become ill. Northwestern Mutual has more optional riders available than most insurers, allowing you to customize your policy as you like.


  • Lengthy list of optional riders
  • Multiple policy options
  • Potential to earn dividends
  • Highly rated by third parties


  • Policies must be purchased through agents
  • Medical exams required for most
  • Limited online quote tools

Like most insurers, Northwestern Mutual offers a broad range of life insurance types, including term, whole, universal and variable universal life insurance. Its distinction in its long list of riders that, when added to your policy, allow you to extend and customize your coverage to meet your unique needs.

As a mutual company, Northwestern Mutual also pays dividends to policyholders. If you purchase insurance through the company, you could be eligible for annual dividend payments.

Northwestern Mutual is a reputable company that is usually listed at the top of industry rankings. It was third out of 21 companies in the J.D. Power 2021 U.S. Individual Life Insurance Study, and it’s historically received fewer complaints than is typical for a company of its size.

Read full review>>>

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Other life insurance companies we considered

We evaluated life insurance companies based on customer service, product offering, simplicity of underwriting, ability to pay claims on time and high ratings.

The following companies have competitive offerings but are not part of our top picks because they did not excel in any of our requirements.


Lemonade offers term life insurance with no medical exam. Customers can complete the full online application in around five minutes and purchase 10- to 30- year term policies with up to 1.5 million in coverage. Policyholders must obtain Lemonade’s mobile app to manage their policy, submit claims and access customer service.

The company is not part of our top insurers because of its limited insurance offerings and lack of information about riders and policies on its website.


  • Premiums start from $9/mo
  • Completely online application
  • Full refund if you cancel within the first 30 days


  • Only people aged 18-60 can apply
  • Term life is not available in NY
  • If you have heart disease or cancer it's unlikely that you'll be approved by this insurer


Sproutt is a life insurance broker that connects customers with companies offering no-exam, guaranteed issue, universal and whole life policies. The company uses the “five pillars for better living” — movement, sleep, nutrition, balance and emotional health — to provide personalized policies and match customers with an insurance broker.

Sproutt didn’t make it to our top list because its Quality of Life underwriting tends to benefit a healthy, younger population (30 to 45-year-olds). Also, the company’s website lacks information about insurance coverage, riders and term options.


  • Options available for those who identify as non-binary
  • Uses technology to match people with the right policy coverage
  • Uses Quality of Life Index to underwrite policies


  • No phone assistance over the weekend
  • Coverage may be denied if you're in poor health or have a high BMI
  • No-exam policies may be denied if you've filed for bankruptcy

Health IQ

Health IQ partners with over 25 national insurers to offer term life insurance for individuals with a healthy lifestyle. Customers can obtain online quotes but have to purchase coverage through an agent. Terms, policies and riders vary by insurance provider. This company is not part of our main list because of its limited online service and lack of information on its website.


  • Compare rates from 30 different carriers
  • Licensed agents guide you through the process
  • Offers membership rewards program


  • Online quotes require that users agree to calls from agents
  • Must have a healthy lifestyle or pass a quiz to qualify for better rates


MassMutual’s insurance portfolio includes term and permanent life insurance, including a term life policy that can be purchased online. Customers can also convert their term life insurance to a permanent policy without a medical exam.

MassMutual features a life insurance calculator to help prospective clients assess their insurance needs. This company is not part of our main list because its policies have few or no optional riders.


  • Young and/or healthy applicants may not need a medical exam
  • Offer two whole life policies with long term care riders
  • Direct Term life insurance can be purchased immediately online


  • No conversion options for some policies
  • You can only earn dividends with a whole life insurance policy
  • Few or no policy riders

Guardian Life

Guardian Life’s insurance portfolio includes term, whole and universal life policies. Those interested in a term life policy can get an online quote on Guardian Life’s website but they must contact an agent or provider to purchase any policy or get quotes for permanent life insurance.

Guardian’s below-average rating by JD Power and limited policy information and riders offerings kept it from our top list.


  • Online quotes and account management
  • Policies available for people with HIV


  • Must apply (and cancel) through an agent
  • Doesn't offer no-exam (guaranteed issue) policies
  • Term life options are basic


USAA offers term life policies starting at $12 a month. Customers can access online quotes for term and permanent policies. Though it wasn’t included in JD Power’s latest study or rated by rating agencies, it has a low complaint ratio of 0.11 — and a strong reputation in the insurance industry. It isn’t part of our main list because it’s only available for military members and their families.


  • Military members can get coverage during war
  • Offer survivor support
  • High cap on the value of their policies


  • Medical test required for all policies
  • Some policies unavailable in New York

Mutual of Omaha

Mutual of Omaha stands out for being one of the few companies on this list that offers online quotes for both term and whole life insurance policies. However, this company didn’t make it to our main list because its premiums are higher than the industry average for applicants who are healthy and/or older. Application and processing times are also slower than other insurance providers.


  • Offers online quotes
  • Affordable underwriting for health conditions, including cancer
  • Offers a whole life insurance policy for children


  • Policies for individuals in good health are pricier than average
  • Must apply to discover whether a medical test is required
  • Sparse website resources
  • New York residents have limited options

Liberty Mutual

Liberty Mutual’s insurance offerings include term and whole life policies. Customers can file claims over the phone, online or through Liberty Mutual’s mobile app. This company is not part of our top life insurance companies in part because it lacks detailed information about policies and doesn’t offer a variety of term insurance options.


  • Immediate online approval for Passport Term (simplified issue insurance)
  • Continuing coverage once the term ends


  • Monthly premiums are higher than average
  • No detailed information about policies on the website

Life Insurance Guide

We created this life insurance guide to answer questions related to life insurance, its different policy types and policy options to help you select the best life insurance policy.

What is life insurance?

Life insurance is a contract between a policyholder and an insurer, in which the latter guarantees to pay a sum of money to the life insurance beneficiary upon his or her death. This sum of money, known as the death benefit, is funded by premium payments made by the insured throughout their lifetime.

How does life insurance work?

Life insurance is meant to provide financial protection for dependents and loved ones upon the death of a primary breadwinner. Yet, life insurance is not exclusively available for adults and the elderly. Many companies also offer life insurance for children, which can cover any expenses in the case of death, help with future insurability and provide economic support through the cash value component of the policy. The life insurance experts at Money have also prepared a list of the best life insurance for seniors and best life insurance for young adults.

At its most basic, life insurance has two main components, a death benefit and a premium.

  • The death benefit, also called the face value, refers to the lump sum of money the insurer agrees to pay out to named beneficiaries upon the policyholder’s death.
  • Premiums are payments made by the policyholder to the insurer in exchange for the policy. Life insurance premiums are determined by the insured’s projected life expectancy. High-risk individuals, or those who purchase larger death benefit amounts or a permanent life insurance policy, generally pay higher premiums.

Permanent and whole life insurance policies also include a cash value component that can serve two functions:

  • As a savings account in which cash accumulates on a tax-deferred basis, and which the insured can usually access during their lifetime. Some policies may restrict withdrawals, depending on how the withdrawn money will be used.
  • The cash value can also be used to cover premiums or purchase additional coverage.

It’s important to note that the cash value is a living benefit that stays with the insurance company when the policyholder dies. Any outstanding loans against it will reduce the policy’s death benefit.

What are the different types of life insurance?

  • What is term life insurance? This lasts for a predetermined period (commonly 10, 15 or 20 years), and then it expires
  • What is whole life insurance? A policy that covers the insured for the duration of their life as long as the premiums are paid. It includes a guaranteed cash value component, and fixed monthly premiums
  • What is universal life insurance? Similar to whole life, this protects the insured for the duration and their life as long as premiums are paid, and it includes a cash value component. The cash value component in this policy is not guaranteed and it will fluctuate with the market
  • What is no-exam life insurance? A policy that doesn’t require a medical test for approval. It is a good option for those with pre-existing medical conditions who will have a hard time getting approved for a policy with traditional underwriting.
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What is the difference between term, whole and universal life insurance policies?

Term Life Whole Life Universal Life
There are two main types: level term and convertible term There are four main types of universal life insurance: traditional or non-guaranteed, indexed, and variable life There are four main types: traditional or non-guaranteed, indexed and variable life
The death benefit is paid to your designated beneficiaries as a lump sum, in installments or as an annuity Policyholders can access the savings component during their lifetime and receive annual dividend payments on the policy Premium payments and cash value influence the value of the policy. It doesn’t receive annual dividend payments
A lump sum payout means that your beneficiary receives the whole benefit at once. To annuitize, the payment is spread out into fixed installments Policyholders can make payments over the premium and accumulate more Allows policyholders to increase or decrease the death benefit amount, within limits

How much life insurance do I need?

There’s no such thing as a hard and fast rule for figuring out a price tag on your life insurance needs and peace of mind. Still, a basic starting point is to determine your financial obligations and future and end-of-life expenses (such as funeral expenses) and subtract any liquid assets you may have.

In any case, it’s a good idea to consider life insurance within a larger financial context. If you can, it’s a good idea to discuss your life insurance needs with a financial advisor.

Most Common Causes of Death

The life expectancy of a person born in 2020 was 77 years, with a difference in life expectancy between men and women of 5.7 years. Men tend to die earlier than women, which might explain, why on average, life insurance for men is more expensive.

When it comes to coverage, there are several factors that impact your premiums or even your insurability. A history of medical conditions can increase your premiums, especially serious illnesses like heart disease or cancer. A family history of illnesses might also increase the cost of your coverage.

Insurance is all about the likelihood of a covered event taking place, so a family history that includes some of the most common causes of death could prompt insurers to take a closer look to determine whether or not to provide coverage.

According to the Centers for Disease Control and Prevention, heart disease and cancer were the first and second most common causes of death in the U.S. in 2020. The following table shows the other most common causes of death.

Cause of Death Deaths per 100,000 US Standard Population
Heart disease 168.2
Cancer 144.1
COVID-19 85
Unintentional injuries 57.6
Stroke 38.8
Chronic lower respiratory diseases 36.4
Alzheimer’s disease 32.4
Diabetes 24.8
Influenza and pneumonia 13
Kidney disease 12.7

Life Insurance Glossary

Common Life Insurance Terms
Underwriting Insurance companies use underwriting guidelines to determine how much your policy will cost based on your health issues and family history, among other factors. They do so by classifying policyholders into risk pools. The higher the risk, the higher the premium.
Beneficiary The person, organization or charity that receives the life insurance payout (death benefit)
Rider Coverage add-ons to your policy at an increased price, such as an accelerated death benefit, accidental death benefit, chronic illness, long-term care, or return of premium.
Disclaimer When a beneficiary declines to receive or fails to claim the proceeds of a policy. In such cases, the death benefit goes to the remaining beneficiaries. If there are no other beneficiaries, the death benefit goes to the insured’s estate.
Death Benefit The amount the beneficiaries receive from a life insurance policy, as long as the insured died when the policy was in effect.
Contestability Period The first two years of your policy. The life insurance company can review your policy during this period of time and refuse to pay a claim if they find out the insured has committed fraud.
Cost of Insurance (COI) Part of Universal Life Insurance policies, COI is the minimum premium amount that must be paid to keep the policy active and includes mortality costs, administrative fees, and other expenses.

Latest News on Life Insurance

Cash value earnings in a whole life insurance policy can be used to pay for college tuition, supplement retirement income, or for a down mortgage payment. If you’re interested in having cash value in your life insurance policy check our selection of the best whole life insurance companies of 2022.

Are you interested in coverage to help reimburse your care needs during the last years of your life? Long-term care insurance can pay for it. Check out our selection of the best long-term care insurance and find out if and when you should purchase one of these policies.

Life Insurance Companies FAQ

What's the best place to get life insurance quotes?

The best place to get life insurance quotes is at an insurance marketplace company like Policygenius because it allows you to compare life insurance costs and products from different companies in one place. Also, most companies that are part of our top picks offer online life insurance quotes.

What is the difference between term and whole life insurance?

The main difference between term and whole life insurance is that the former type of policy only lasts for a set period (its term). In contrast, a whole or permanent policy covers a policyholder for (essentially) their entire lifespan.

How much is life insurance per month?

The cost of a life insurance policy will depend on various factors including the type of policy and amount of coverage. The monthly premium will also depend on the applicant's age, gender, lifestyle, and overall health. According to Haven Life, a 35-year-old non-smoking male, living in NY, in good health, will pay around a $30 monthly premium for a 20-year term life insurance policy with a $500,000 death benefit.

What is the best life insurance?

There's no one best life insurance policy or company for everybody. Your choices regarding life insurance will depend on your needs and how you plan to use the policy. Before making a selection, check the reviews for Money's best life insurance companies. text © Provided by

How We Chose the Best Life Insurance Companies

As part of our methodology to come up with our list of top life insurance products and companies, we looked at:

  • The ability to pay claims on time
  • Customer experience and product offerings
  • Customer satisfaction and ratings reported in J.D. Power’s latest U.S. Life Insurance Satisfaction Study, and the A.M. Best financial strength ratings
  • The number of complaints regarding their individual life insurance policies, based on National Association of Insurance (NAIC) data
  • The selection of insurance plans and related products
  • Simplicity of underwriting

Summary of Money’s Best Life Insurance Companies of December 2022

  • Bestow – Best no-exam life insurance
  • Ethos – Best for guaranteed coverage
  • Policygenius – Best online broker
  • Haven Life – Best term life insurance
  • Ladder – Best for flexible coverage
  • State Farm – Best for customer satisfaction and stability
  • New York Life – Best for whole life insurance
  • Nationwide – Best for bundling discounts
  • Northwestern Mutual – Best for policy customization

Best Life Insurance Companies

© Copyright 2022 Money Group, LLC. All Rights Reserved.

This article originally appeared on and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer.

Fri, 09 Dec 2022 03:58:07 -0600 en-US text/html
Killexams : Doctors and Patients Have a New Tool to Aid in Conversations About Diet

Talking with patients about nutrition can be delicate, and few medical doctors have training in nutritional science. But now, physicians will be able to get assistance from a new artificial intelligence system designed by researchers at The University of Texas at Austin.

Nutri is the brainchild of Marissa Burgermaster, an assistant professor of nutritional sciences at UT Austin. It offers clinicians a decision-support system for discussing nutrition with patients in minutes and making solid decisions with them about improvements in their diets.

"Nutrition can be a difficult subject," said Burgermaster, who is also an assistant professor of population health at UT Austin's Dell Medical School. "It's a fast-moving area of study, with changing recommendations. It can be an emotional subject for patients. Add in limited time in each appointment, and it's a discussion that is easily missed. But nutrition can be one of the most critical tools in addressing conditions such as diabetes and heart disease."

Previous studies have shown that patients whose primary care providers talk with them about nutrition are more likely to lose weight and less likely to develop related diseases, especially diabetes but also obesity-related cancer and heart disease.

Nutri's user experience integrates with the electronic health record and is designed to present information about a patient's diet in a way that helps doctors and patients set a personalized goal and track the patient's progress between visits. It also helps draft a potential note for the patient's chart to make less work for busy physicians and is bilingual.

The system will first be deployed at Lone Star Circle of Care in Austin, a federally qualified health center that provides health care to all individuals, focusing on the uninsured, underinsured and at-risk populations. A pilot program launched this summer involving about 20 physicians.

"Lone Star Circle of Care is focused on improving the health of its patients not only through traditional medical interventions inside the walls of the test room, but also through adjustments in the social, economic and community factors that may impact a patient's health," said Jon Calvin, chief executive officer of Lone Star Circle of Care. "We know that diet and weight play a significant negative role in many medical conditions. With Nutri, our providers will receive education and resources to help them discuss diet and nutrition with their patients and jointly create an improvement plan."

The pilot program for Nutri is expected to last through 2022 and will include up to 80 patients. A study will track whether patients end up changing their eating habits and whether they feel confident enough to try new strategies after discussions with their doctor.

"Currently, there are no tools like this anywhere. It's one of a kind," Burgermaster said. "I can't think of a better place to launch this tool than in a clinic network that serves a community that could benefit from these discussions. Nutrition is an important piece of health equity."

A recently published study in the journal American Medical Informatics Association Proceedings found that primary care providers who used Nutri said the program made it easier and quicker to set nutrition goals with their patients and that the doctors were more likely to set nutrition goals when using the program. Furthermore, a majority of providers said the program would Boost the quality of life for their patients.

"This is an exciting new tool in our wheelhouse as providers that will help guide our discussion on nutrition and personalize it to the individual patient with information our patients can use," said Dr. Lola Okunade, medical director of family and adult services at Lone Star Circle of Care. "Nutri also allows us to get more comfortable with our talking points on nutrition so we can have a robust conversation to help our patients meet their goals and our goals for them. It gives a starting point for collaboration."

Funding for the project comes from the Agency for Healthcare Research and Quality and philanthropic support.

Wed, 30 Nov 2022 06:07:00 -0600 Esther R Robards-Forbes en-gb text/html
Killexams : Study explores histopathological, serological, and clinical characteristics of PASC in patients with mild COVID-19

In a exact study posted to the medRxiv* preprint server, researchers investigated the clinical, histopathological, imaging, and serological characteristics of post-acute sequelae of coronavirus disease 2019 (COVID-19) (PASC) in patients with mild COVID-19.

Study: Clinical, imaging, serological, and histopathological features of pulmonary post-acute sequelae after mild COVID-19 (PASC). Image Credit: Dragana Gordic/Shutterstock
Study: Clinical, imaging, serological, and histopathological features of pulmonary post-acute sequelae after mild COVID-19 (PASC). Image Credit: Dragana Gordic/Shutterstock


Long coronavirus disease (COVID) or PASC is a persistent, multi-organ system syndrome reported by most patients who recovered from severe COVID-19 requiring hospitalization. Patients complain of long-lasting symptoms such as dyspnea, headaches, fatigue, musculoskeletal pain, cognitive impairments such as difficulty concentrating, anosmia, dysgeusia, and cardiovascular and gastrointestinal problem occurring from three months to a year after recovering from severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2) infections.

Studies have shown that even mild COVID-19 cases not requiring hospitalization have a 4–15% burden of PASC, lasting up to eight months after recovering from the SARS-CoV-2 infection. However, the pathophysiology of PASC in mild COVID-19 cases remains unclear, with contradicting or inconclusive results from various case studies on the clinical, serological, and histopathological features and imaging abnormalities associated with mild SARS-CoV-2 infections not requiring hospital or intensive care unit admissions.

About the study

The present study examined a cohort of unvaccinated patients with mild SARS-CoV-2 infections confirmed through positive reverse transcription polymerase chain reaction (RT-PCR) tests. A detailed patient history of allergies and previous medications was recorded, and a baseline diagnosis consisting of spiroergometry and a physical examination was conducted. All patients were also screened for antinuclear antibody (ANA),  antineutrophil cytoplasmic antibody (ANCA), and extractable nuclear antigen (ENA).

Diagnostic imaging comprised a dual-energy computed tomography (DECT) scanner to acquire a multi-slice, non-contrast, spiral CT of the lungs, which was then used to determine the lung volume, overinflation, or attenuation of the lung with evidence of fibrosis. Additionally, transbronchial biopsies were conducted to obtain lung tissue samples, which then underwent histological staining. The tissue samples were observed for signs of post-viral change, such as fibrosis, peribronchiolitis, alveolitis, goblet cell hyperplasia, smooth muscle hypertrophy, and squamous epithelial metaplasia in the airways.

Additionally, fluorescence in situ hybridization (FISH) and immunohistochemistry were performed to detect the SARS-CoV-2 envelope gene, and spike and nucleocapsid proteins, respectively, in the lung tissue samples. The lung tissues were also observed under an electron microscope. Immunofluorescence multiplex staining was performed on the lung tissue samples for T lymphocyte subtyping to detect cells positive for cluster of differentiation (CD)16, CD68, CD16/CD163, and CD68/CD163, as well as other cell types. The expression of S100 calcium-binding protein A9 (S100A9) was also measured. Furthermore, enzyme-linked immunosorbent assay (ELISA) was performed using LEGENDplex immunoassay to detect and analyze cytokines in bronchoalveolar lavage samples.


The results reported that the prevalent pulmonary symptom in the cohort was dyspnea during exertion, with the maximal expiratory flow at 50% (MEF50) and forced expiratory volume in 1 second (FEV1) being less than 80% in 42.9% and 16% of the patients, respectively. Additionally, airflow obstruction was observed in 35.3% of the patients with low attenuation volume in more than 5% of the lung area. Autoantibodies were detected in 33.3% of the patients, but the results did not correlate with the imaging or histopathological results, or the severity of symptoms.

Histopathological characterization revealed fibrin deposition in the alveoli and interstitial and peribronchiolar lymphocytosis in the lung tissue. Lung tissue from PASC patients also showed evidence of organizing pneumonia. However, no nucleocapsid or spike proteins were detected in the lung tissue, and the envelope gene was detected only in the lung tissue of one patient.

The macrophage phenotyping revealed a greater number of CD4+ T cells than CD8+ T cells in the small airways and alveoli. The inflammation and number of CD4+ T cells were greater in the small airways than in the interstitium. The electron microscopy images showed fibrosis and collagen fibril deposition in the interstitial region. Although the population of pro-fibrotic CD68+CD163+ S100A9 macrophage phenotype was higher in the lung tissues of PASC patients compared to those of the control cohort, the difference was not significant. Additionally, elevated levels of interleukin (IL)-1β and IL-8 in the bronchoalveolar lavage fluid were detected during the immunoassay.


Overall, the results suggested that although increased low attenuation volume and lower MEF50 and FEV1, along with evidence of fibrosis in the alveoli and bronchiolitis with predominant CD4+ T cells was found in PASC patients, the inflammation was limited to the small airways, and no detectable viral reservoirs were observed. Therefore, whether the pulmonary symptoms of PASC, such as dyspnea in patients with mild cases of COVID-19, are caused specifically by SARS-CoV-2 or are a general response to viral infections remains unclear.

*Important notice

medRxiv publishes preliminary scientific reports that are not peer-reviewed and, therefore, should not be regarded as conclusive, guide clinical practice/health-related behavior, or treated as established information.

Journal reference:

Mon, 05 Dec 2022 04:34:00 -0600 en text/html
Killexams : Prostate cancer: Getting ever closer to diagnosis using an 'electronic nose'

The diagnosis of prostate cancer using a non-invasive method and with greater accuracy than traditional diagnostic procedures is ever closer to becoming a reality.

This has been confirmed by the data in a study published by the International Journal of Urology, which tested the efficacy of the first prototype of an that can identify the presence of a tumor from a urine sample, by recognizing specific volatile molecules.

Diag-Nose—the name of the project which created the first experimental prototype—is the result of close collaboration between Humanitas and the Politecnico di Milano. The preliminary results are encouraging: the test correctly determines the presence of a tumor in in 85.2% of cases and correctly gives a negative result for healthy patients in 79.1% of cases.

Not only that: the prototype has other significant benefits when compared to the traditional method of a biopsy: as well as being an invasive procedure, biopsies have a particularly high rate of false negatives for early-stage tumors due to the fact that only a small portion of tissue is collected and analyzed.

The study

The study was conducted between March 2020 and March 2021 at Humanitas Mater Domini, in Castellanza, and at the Humanitas Research Hospital in Rozzano. The project involved 174 people divided into two groups: 88 patients with of varying grades and stages confirmed by a histological examination, and 86 people in the "control" group comprising men and women of different ages with no history of the disease who had undergone medical examinations (including for PSA).

A urine trial was collected from each person and analyzed at the laboratories of Professor Laura Capelli at Politecnico di Milano's Department of Chemistry, Materials and Chemical Engineering. The electronic nose was found to correctly provide a positive result for patients with tumors in 85.2% of cases. It has an accuracy—that is the ability to make a correct diagnosis, whether negative or positive—of 82.1%. For men over the age of 45 only, the age range most affected by the disease but also the most difficult to correctly diagnose, the accuracy stands at 81%.

"Prostate biopsy is currently the gold standard for the diagnosis of cancer of this gland. Despite the greater precision that the procedure has achieved through the use of magnetic resonance imaging to guide the collection of the tissue samples, the tumor detection rate reaches 48.5% at the most. This percentage is significantly lower than that of the electronic nose which, in addition to greater diagnostic accuracy, would limit the inconvenience and complications for the patient," explains the author of the study, Dr. Gianluigi Taverna, Urology Coordinator at Humanitas Mater Domini and a doctor-researcher at the Humanitas Research Hospital.

Diag-Nose: From a 2012 study on dogs to the clinical validation of the prototype

The electronic nose is the evolution of a much larger study conducted in 2012 by Humanitas with the collaboration of the Military Veterinary Centre in Grosseto (Cemivet) and supported by the Italian Ministry of Defence. This research revealed how dogs, once properly trained, are able to detect prostate cancer by smelling patients' urine.

"This discovery," explained Dr. Taverna, "confirmed that prostate tumors produce specific, volatile organic substances, technically known as VOCs (Volatile Organic Compounds), which the dog is capable of detecting with great accuracy. We decided to build on this ability in order to develop a high-tech diagnostic device that could become part of everyday clinical practice."

The electronic nose developed as part of the Diag-Nose project is therefore a prototype created by reproducing the canine sense of smell, created using a series of sensors that are capable of analyzing the volatile substances released into the air by urine samples.

"As with the dogs, the electronic nose also went through a period of training, conducted on approximately 530 people, which allowed the engineers at the Politecnico di Milano, Professor Laura Capella and Dr. Carmen Bax, to fine-tune the analysis parameters and teach the device to determine whether a belonged to a healthy person or a patient with prostate cancer. The success of this training has been confirmed by the study published in the International Journal of Urology," stated Fabio Grizzi, a researcher at the laboratories of the Humanitas Research Hospital, where he is also in charge of the histology service.

"For the electronic nose to effectively become a part of everyday clinical practice, further large-scale studies will be necessary, which will allow us to confirm the results already obtained and to develop the prototype's potential. Therefore, the next step towards making the electronic nose a reality is to validate it by involving international clinical institutes," concluded Gianluigi Taverna and Fabio Grizzi.

More information: Gianluigi Taverna et al, Accuracy of a new electronic nose for prostate cancer diagnosis in urine samples, International Journal of Urology (2022). DOI: 10.1111/iju.14912

Provided by Politecnico di Milano

Citation: Prostate cancer: Getting ever closer to diagnosis using an 'electronic nose' (2022, December 2) retrieved 9 December 2022 from

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Fri, 02 Dec 2022 05:02:00 -0600 en text/html
Killexams : Medical Beds Market Share 2023 | Upstream, Opportunities, Challenges, Top Industry Players, Regional Study, Growth Drivers and Opportunities by 2029

The MarketWatch News Department was not involved in the creation of this content.

Dec 08, 2022 (The Expresswire) -- "Final Report will add the analysis of the impact of COVID-19 on this industry."

The “Medical Beds Market” research 2022 provides an in-depth analysis of the Medical Beds industry, including vital data on its various market segments. The research provides a global industry overview, covering the current trends, technological advances, market restrictions, and investment prospects, as well as conducting exclusive interviews with Medical Beds industry leaders to contribute to the report's conclusions. The research report addresses buyer requirements and recommends strategic actions and company changes to market participants. The study also lists the natural, internal, and external hurdles to progress. It also covers the worldwide Medical Beds market's overall business environment as well as industry obstacles.

The Medical Beds market has witnessed growth from USD million to USD million from 2017 to 2022. With the CAGR, this market is estimated to reach USD million in 2029.

Get a trial Copy of the report @

Summary of Medical Beds Market:
The report focuses on the Medical Beds market size, segment size (mainly covering product type, application, and geography), competitor landscape, exact status, and development trends. Furthermore, the report provides detailed cost analysis, supply chain.

Technological innovation and advancement will further optimize the performance of the product, making it more widely used in downstream applications. Moreover, Consumer behaviour analysis and market dynamics (drivers, restraints, opportunities) provides crucial information for knowing the Medical Beds market.

Analysis of Medical Beds Market Key Manufacturers:

● Getinge AB ● Amico Corporation ● Stiegelmeyer GmbH and Co. KG ● Invacare Corporation ● Stryker Corporation ● Span-America Medical Systems Inc. ● Merivaara Corp ● Hill-Rom Holdings Inc. ● LINET spol. s r.o. ● Medline Industries Inc.

The coronavirus can affect the global economy in three basic ways: by directly affecting production and demand, by disrupting the production network and the market, and by its monetary impact on companies and monetary business sectors. Our experts, monitoring the situation around the world, have the feeling that the market will create profitable opportunities for manufacturers after the COVID-19 emergency. The report hopes to provide an additional representation of the exact situation, the money suspension and the impact of COVID-19 on general business.

To Understand How Covid-19 Impact and Russia Ukraine War Is Covered in This Report -

Medical Beds Market Segmentation:

Using Medical Beds Market Segmentation Research, you can divide the Medical Beds industry into different categories based on types, applications and geographies.

based on types, the Medical Beds market from 2017 to 2029 is primarily split into:

● Electric Medical Beds ● Semi-Electric Medical Beds ● Manual Medical Beds

based on applications, the Medical Beds market from 2017 to 2029 covers:

● Hospitals ● ASCs

Medical Beds Market Pricing Research:
Pricing research determines what similar products or services sell for in the Medical Beds market, as well as what a reasonable pricing for a product or service is. All of this data will assist you in determining the Medical Beds pricing approach.

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Geographically, the report includes the research on production, consumption, revenue, market share and growth rate, and forecast (2017 -2029) of the following regions:

● United States ● Europe (Germany, UK, France, Italy, Spain, Russia, Poland) ● China ● Japan ● India ● Southeast Asia (Malaysia, Singapore, Philippines, Indonesia, Thailand, Vietnam) ● Latin America (Brazil, Mexico, Colombia) ● Middle East and Africa (Saudi Arabia, United Arab Emirates, Turkey, Egypt, South Africa, Nigeria) ● Other Regions

Years considered for this report:

● Historical Years: 2017-2020 ● Base Year: 2021 ● Estimated Year: 2022 ● Forecast Period: 2023-2029

This Global Medical Beds Market report will guide and provide you with a plan for performing a full analysis of the Medical Beds market, target audience, competition, and more, whether you're new in this sector. The global Medical Beds market offers quantitative data about the industry. Quantitative research is data-driven and looks for meaningful trends in data acquired from public records.

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Some of the key questions answered in this report:

● What will the market growth rate, growth momentum, or acceleration market carry during the forecast period? ● Which are the key factors driving the Medical Beds market? ● What will be the size of the emerging Medical Beds market in 2029? ● Which region is expected to hold the highest market share in the Medical Beds market? ● What trends, challenges, and barriers will impact the development and sizing of the Medical Beds market? ● What are the sales volume, revenue, and price analysis of top manufacturers of the Medical Beds market? ● What are the Medical Beds market opportunities and threats faced by the vendors in the Medical Beds Industry?

Major chapters covered in Medical Beds Market Research are:

Chapter 1 provides an overview of Medical Beds market, containing global revenue and CAGR. The forecast and analysis of Medical Beds market by type, application, and region are also presented in this chapter. ● Chapter 2 is about the market landscape and major players. It provides competitive situation and market concentration status along with the basic information of these players. ● Chapter 3 introduces the industrial chain of Medical Beds. Industrial chain analysis, raw material (suppliers, price, supply and demand, market concentration rate) and downstream buyers are analysed in this chapter. ● Chapter 4 concentrates on manufacturing analysis, including cost structure analysis and process analysis, making up a comprehensive analysis of manufacturing cost. ● Chapter 5 provides clear insights into market dynamics, the influence of COVID-19 in Medical Beds industry, consumer behaviour analysis. ● Chapter 6 provides a full-scale analysis of major players in Medical Beds industry. The basic information, as well as the profiles, applications and specifications of products market performance along with Business Overview are offered. ● Chapter 7 pays attention to the sales, revenue, price and gross margin of Medical Beds in markets of different regions. The analysis on sales, revenue, price and gross margin of the global market is covered in this part. ● Chapter 8 gives a worldwide view of Medical Beds market. It includes sales, revenue, price, market share and the growth rate by type. ● Chapter 9 focuses on the application of Medical Beds, by analysing the consumption and its growth rate of each application. ● Chapter 10 prospects the whole Medical Beds market, including the global sales and revenue forecast, regional forecast. It also foresees the Medical Beds market by type and application.

This statistical surveying report offers a broad perspective on the Medical Beds on a global scale, presenting a figure and measurements in terms of income during the estimated time period. It includes an illustrated review with detailed division, a thorough history of innovative work, and the most exact news. Furthermore, it illustrates future prospects as well as a sketch of the key players involved in the Medical Beds Market's income development.

Detailed TOC of Global Medical Beds Market @

Some Points from TOC:

Medical Beds Industry Report Covers following Topics:

1 Medical Beds Market Overview
1.1 Product Overview and Scope of Medical Beds
1.2 Medical Beds Segment by Type
1.2.1 Global Medical Beds Sales and CAGR (%) Comparison by Type (2017-2029)
1.3 Global Medical Beds Segment by Application
1.3.1 Medical Beds Consumption (Sales) Comparison by Application (2017-2029)
1.4 Global Medical Beds Market, Region Wise (2017-2022)
1.4.1 Global Medical Beds Market Size (Revenue) and CAGR (%) Comparison by Region (2017-2022)
1.4.2 United States Medical Beds Market Status and Prospect (2017-2022)
1.4.3 Europe Medical Beds Market Status and Prospect (2017-2022) Germany Medical Beds Market Status and Prospect (2017-2022) UK Medical Beds Market Status and Prospect (2017-2022) France Medical Beds Market Status and Prospect (2017-2022) Italy Medical Beds Market Status and Prospect (2017-2022)
1.5 Global Market Size of Medical Beds (2017-2029)
1.5.1 Global Medical Beds Revenue Status and Outlook (2017-2029)
1.5.2 Global Medical Beds Sales Status and Outlook (2017-2029)

2 Global Medical Beds Market Landscape by Player
2.1 Global Medical Beds Sales and Share by Player (2017-2022)
2.2 Global Medical Beds Revenue and Market Share by Player (2017-2022)
2.3 Global Medical Beds Average Price by Player (2017-2022)
2.4 Global Medical Beds Gross Margin by Player (2017-2022)
2.5 Medical Beds Manufacturing Base Distribution, Sales Area and Product Type by Player
2.6 Medical Beds Market Competitive Situation and Trends
2.6.1 Medical Beds Market Concentration Rate
2.6.2 Medical Beds Market Share of Top 3 and Top 6 Players
2.6.3 Mergers and Acquisitions, Expansion

3 Medical Beds Upstream and Downstream Analysis
3.1 Medical Beds Industrial Chain Analysis
3.2 Key Raw Materials Suppliers and Price Analysis
3.3 Key Raw Materials Supply and Demand Analysis
3.4 Manufacturing Process Analysis
3.5 Market Concentration Rate of Raw Materials
3.6 Downstream Buyers
3.7 Value Chain Status Under COVID-19

4 Medical Beds Manufacturing Cost Analysis
4.1 Manufacturing Cost Structure Analysis
4.2 Medical Beds Key Raw Materials Cost Analysis
4.2.1 Key Raw Materials Introduction
4.2.2 Price Trend of Key Raw Materials
4.3 Labor Cost Analysis
4.3.1 Labor Cost of Medical Beds Under COVID-19
4.4 Energy Costs Analysis
4.5 RandD Costs Analysis

5 Market Dynamics
5.1 Drivers
5.2 Restraints and Challenges
5.3 Opportunities
5.3.1 Advances in Innovation and Technology for Medical Beds
5.3.2 Increased Demand in Emerging Markets
5.4 Medical Beds Industry Development Trends under COVID-19 Outbreak
5.4.1 Global COVID-19 Status Overview
5.4.2 Influence of COVID-19 Outbreak on Medical Beds Industry Development
5.5 Consumer Behavior Analysis

6 Players Profiles
7 Global Medical Beds Sales and Revenue Region Wise (2017-2022)

8 Global Medical Beds Sales, Revenue (Revenue), Price Trend by Type
8.1 Global Medical Beds Sales and Market Share by Type (2017-2022)
8.2 Global Medical Beds Revenue and Market Share by Type (2017-2022)
8.3 Global Medical Beds Price by Type (2017-2022)
8.4 Global Medical Beds Sales Growth Rate by Type (2017-2022)

9 Global Medical Beds Market Analysis by Application
10 Global Medical Beds Market Forecast (2022-2029)
11 Research Findings and Conclusion
12 Appendix

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Wed, 07 Dec 2022 17:02:00 -0600 en-US text/html
Killexams : Medical Device Software Testing Services Market 2022 Rising Consumer Demand, Major Manufacturers Performance, Growth and Segmentation 2028

The MarketWatch News Department was not involved in the creation of this content.

Dec 05, 2022 (CDN Newswire via Comtex) -- has introduced a new report entitled Global Medical Device Software Testing Services Market Growth 2022-2028, which encompasses the regional & global industry facts forecasted to acquire profit-making appraisal across the projection period from 2022 to 2028. The record also trails the most modern advancement in this industry and presents crucial data regarding any new modifications that are taking place. The report also analyzes factors influencing the Medical Device Software Testing Services industry from both demand & supply. The advancements deeply affect the features of the industry in terms of innovations & technology in the product. The global Medical Device Software Testing Services market report assists in estimating statistics associated with the industry development in terms of value (US$ Bn/Mn).

The comparative estimate is primarily based on future strategies, cost, sales, price, latest improvement, production, capacity, product sales, price, consumption, import, gross margins, sales volume, export, technological developments, and company production ability. The regional analysis gives the socio-economic factors the maximum weightage to help the customers formulate business policies accordingly. The R&D activities related to the players' products greatly influence the market's growth rate. The global Medical Device Software Testing Services market has contributed significantly to the parent industry and is booming for the international economy.


The primary research contains a survey among industrial wholesalers, independent specialists/consultants, e-mail collaborations, telephonic conversations, and in-person meetings/interviews with raw material suppliers. Furthermore, the secondary data sources cover case studies, financial statements, annual reports, press releases, articles, paid data sources, white papers, etc. In addition, PESTLE research studies the key external elements (Political, Economic, Sociological, Technological, Legal, and Environmental) that impact an institution. It can be utilized in various scenarios & can guide people professionals & senior managers in strategic decision-making. This market research report reviews all the potential prospects in the global Medical Device Software Testing Services industry.

The application types included in the report:

  • Large Enterprises
  • Small and Medium-sized Enterprises (SMEs)

The global Medical Device Software Testing Services market incorporates subsequent segments:

  • Manual Testing
  • Automation Testing

The Medical Device Software Testing Services market segment by regions, regional analysis covers:

  • North America (United States, Canada and Mexico)
  • Europe (Germany, France, United Kingdom, Russia, Italy, and Rest of Europe)
  • Asia-Pacific (China, Japan, Korea, India, Southeast Asia, and Australia)
  • South America (Brazil, Argentina, Colombia, and Rest of South America)
  • Middle East & Africa (Saudi Arabia, UAE, Egypt, South Africa, and Rest of Middle East & Africa)

The key & emerging industry vendors in the global Medical Device Software Testing Services industry include:

  • Cigniti
  • QualiTest
  • QA-Systems
  • 360Logica
  • VectorCAST
  • Integrant
  • Arbour Group
  • Auriga
  • CriTech
  • Promenade Software


Insights on opportunities are mentioned to assist market players in taking further steps by determining the potential in untapped regions. The study provides an in-depth examination of global Medical Device Software Testing Services market growth in terms of revenue and volume in a variety of global regions during the forecasted timeframe from 2021-2027.

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Mon, 05 Dec 2022 13:03:00 -0600 en-US text/html
Killexams : Medical jargon putting patients 'in harms' way': Study calls for doctor's lingo to be dumbed down

Medical jargon putting patients in harm's way: From an 'impressive' X-ray that's actually worrying to a 'negative' test that should be seen as a positive thing... study calls for doctors' lingo to be dumbed down

  • 215 people were tested on their knowledge of confusing medical terms 
  • A 'grossly intact' neurological test is good news, but less than half knew this 
  • Almost all respondents understood a negative cancer result is actually positive

Patients are struggling to understand their doctors because of confusing medical jargon, a study has found.

Almost 80 percent of people do not know that the word 'impressive' actually means 'worrying' in a medical context.

Critics said using the word borders on 'disrespectful' because 'we're describing something as impressive that is causing real harm for patients'.

More than one in five percent of respondents could not work out the phrase 'your tumor is progressing', which means a patient's cancer is worsening.

And the majority of participants failed to recognize that 'positive lymph nodes' meant the cancer had spread.

The researchers said future research should test alternative words to avoid miscommunications. It comes after woke doctors urged health professions to avoid using the term 'morbidly' when describing the fattest category of people.

A 13-question survey tested fairgoers in Minnesota on their knowledge of medical jargon terms often used by clinicians


The survey revealed a host of terms which baffled members of the public: 

  • A 'negative blood culture' is a positive thing. 
  • An 'impressive' chest X-ray means the doctor is panic by it.
  • 'Your tumor is progressing' means a patient's cancer is worsening.
  • 'Positive lymph nodes' means the cancer has spread.
  • 'Bugs in the urine' conveys a urinary tract infection.
  • 'Febrile' means feverish.
  • 'NPO' means no eating or drinking. The acronym comes from the Latin 'nil per os' and means  'nothing by mouth'.

Some 215 people attending the Minnesota state fair in September 2021 were tested on their knowledge of medical terms.

They were given a 13-question survey devised by University of Minnesota researchers, including a mix of multiple choice and open-ended questions.

For example, people were given a statement such as 'your nodes are positive', and asked to select if it was good news, bad news, or they didn't know.

Almost all 96 percent of them understood that a negative result for a cancer screening was in fact a positive thing, and meant they didn't have cancer.

However, 21 percent of respondents could not work out the phrase 'your tumor is progressing', which means a patient's cancer is worsening.

Similarly, 67 percent of participants did not recognize that 'positive lymph nodes' meant the cancer had spread.

The word 'impressive' means something admirable to most people.

But when physicians describe a chest X-ray as impressive, they actually mean it is worrying. 

Some 79 percent of study participants did not get this meaning.

Only 44 participants correctly understood that a clinician was actually giving them bad news.  

Dr Giridhar Mallya, a former family physician and current senior policy director for the Robert Wood Johnson Foundation, told NBC News he found the word 'impressive' particularly troubling.

He said: 'It borders on disrespectful because we're describing something as impressive that is causing real harm for patients.'

A total of 80 percent understood that an unremarkable chest radiography was good news.

When a doctor describes a neurological test as 'grossly intact', this is good news, which was picked up by 41 percent of respondents.

The researchers concluded that 'care should be taken to avoid using [medical jargon] with patients to prevent misunderstanding'.

Future research should test alternative vocabulary to 'improve communication with patients'. 

The study was published in the journal JAMA Network Open.

Thu, 01 Dec 2022 08:14:00 -0600 text/html
Killexams : Mandatory HIV testing & medical examination designed to exclude 'abnormal' migrants to Canada

A new landmark study finds that Canada’s process of mandatory HIV screening of migrants is out of step with the OECD and ignores the government’s own policy on medical admissibility to Canada.

Screening Out, a first-of-its-kind study prepared as a book by Professor Laura Bisaillon, University of Toronto, reveals major problems and gaps in Canada’s immigration policy, practice, and process, including exposing the private health information of thousands of applicants to misuse and prejudice.

Under Canada’s official policy, HIV is not used to discriminate or impede a person’s immigration. Yet, migrant applicants are required to undergo mandatory HIV screening by government appointed doctors. Test results are shared with bureaucrats who use HIV status to determine if and on what basis an applicant is ‘normal’ enough to settle here.

“Bureaucrats are using mandatory HIV screening to create ‘risky’ people and then decide who’s too ‘risky’ to live and work here, despite the government’s own policy that HIV does not officially prohibit settlement in Canada,” Bisaillon said.

“The practices happening in the medical examination and mandatory HIV screening support stereotypes that are informed by prejudice and are as such deeply concerning for everyone,” she said.

Professor Bisaillon’s research found that prospective migrants opt-out of the application process because of the hurdles produced by Canada’s medical screening process and information sharing practices.

“Migrant applicants who are HIV-positive are thrust into and endure a bureaucratic nightmare of re-testing, doling out a lot of money, and further medical scrutiny, along with uncertainty as to how their information is handled by the immigration department inside and outside Canada,” Bisaillon said.

“Anguish caused by the process can mean that people simply provide up their application for Canadian residency,” she said. “This is elimination by stealth.”

Critically, Canada shares the private health information including HIV status of applicants with other governments, including Australia, New Zealand, the UK, and USA.

“I spoke with applicants whose private medical information was exposed in their country of residence, such as Russia, where a person’s HIV-positive status makes them illegal and deportable,” said Bisaillon.

“Other OECD countries, including Norway, Denmark and Sweden, use voluntary HIV testing to connect migrants to care and treatment, not to show them the door,” she said. “A migrant’s HIV status in those countries is a matter between patient and doctor.”

Professor Bisaillon said Canadians would not accept it for a minute if their medical privacy, a legal right, was broken systemically by the government.

“As Canadians, we should not accept differential, prejudicial and discriminatory practices directed at people applying to become productive members of our country,” she said.

“Canada needs to face the empirical evidence and walk-the-talk on immigration. The current mandatory HIV screening process is positively brutal on applicants and deeply problematic for the immigration doctors and radiologists responsible for 925,000 medical examinations annually, the vast majority outside of Canada.

“The institutional practices associated with mandatory HIV testing and the medical examination also have implications beyond HIV, with bureaucrats positioned to screen out migrants with conditions including Down syndrome and Asperger’s syndrome.

“Mandatory HIV screening and the medical inadmissibility regime put at grave risk Canada’s international reputation as a welcoming nation and totally impedes the government’s stated goal of 500,000 new immigrants per year by upholding problematic policy and restrictive laws.”

About Screening Out

Screening Out offers the first-ever analysis of the medical, legal, and bureaucratic practices governing the federal immigration medical program. Written as a story-driven analysis and following the sequence of events in the application process of a sub-Saharan African woman in her interactions with an immigration doctor, this book is an institutional ethnography of the Canadian immigration process from the perspective of the very people to whom the exclusionary health policy is directed. It produces a vital corrective to government claims about the functioning and the professional and administrative practices supporting mandatory HIV testing and medical examination, showing how and where things need to change.

About Prof. Laura Bisaillon, Ph.D.

Professor Bisaillon is a political sociologist and associate professor at the University of Toronto. Her career is dedicated to social research, services, care, and activism. She studies the social organization of knowledge about migration, minoritization, the body, and the state. Her Medical Inadmissibility Project is about the effects of exclusionary medical, legal, and bureaucratic practices in the Canadian immigration system, as documented in her film and vodcast. She is fluently bilingual in English and French.

Disclaimer: AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert system.

Tue, 29 Nov 2022 21:25:00 -0600 en text/html
Killexams : Best No-Exam Life Insurance Of December 2022

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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Mon, 05 Dec 2022 20:26:00 -0600 Ashlee Tilford en-US text/html
Killexams : 5 Best Long-Term Care Insurance Companies of December 2022 | Money

According to government estimates, 70% of people over the age of 65 will require some form of long-term care and support later in life.

Long-term care insurance (LTC) can help you pay for the costs associated with your care as you get older and need help with everyday activities — such as bathing, dressing and eating — or care related to Alzheimer’s disease, Parkinson’s and dementia.

Read on to learn about the best companies offering long-term care insurance products.

Our Top Picks for the Best Long-Term Care Insurance Companies

  • Nationwide: Best for Customer Satisfaction
  • Mutual of Omaha: Best for Discounts
  • Golden Care Insurance: Best Marketplace
  • New York Life: Best for Financial Stability
  • Northwestern Mutual: Runner-up for Financial Stability
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Best Long-Term Care Insurance Reviews

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  • Offers universal and variable universal life insurance policies with LTC rider
  • After the elimination period, Nationwide CareMatters pays the first three months' LTC benefit retroactively along with the first benefit payment
  • Inflation protection available on their CareMatters policies
  • Informal caregivers permitted
  • Quotes available online


  • No online chat available at this time
  • LTC rider isn't available in Montana or U.S. territories


AM BEST RATINGA+J.D. Power Rating791/1000Pool of Money/Benefit PeriodLTC rider: 25, 33.3, or 50 months. CareMatters: 2-7 yearsMaximum Daily/Monthly BenefitVariesElimination Period90 calendar days

Nationwide is one of the largest insurers in the United States, and was ranked among the best for customer satisfaction in J.D. Power’s 2022 U.S. Life Insurance Study. As a well-known national insurer, Nationwide’s reputability adds an extra layer of assurance for customers looking to invest in financially secure products.

Nationwide sells universal life insurance policies with two long-term care options: as an LTC rider (an add-on to another policy) and a hybrid policy that includes both life insurance and LTC benefits called CareMatters.

Nationwide policies have some pretty convenient perks. For one, under its CareMatters program, you’re not required to submit receipts and bills monthly in order to receive your benefits. You can also use your benefits to pay for care from informal caretakers, such as family members.

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  • Offers a discount of 15% for partners who purchase the same policy
  • Offers a discount of 15% to individuals in good health
  • Policy includes a care coordinator
  • Choose your benefit payment method from month to month (cash or reimbursement)


  • Couples discount is only available if married or if living together for 3 years


AM Best RatingA+J.D. Power Rating801/1000Pool of Money/Benefit Period2-5 years. Pool of Money: $50,000-$500,000Maximum Daily/Monthly Benefit$1,500-10,000 per monthElimination Period0, 30, 60, 90, 180 or 365 calendar days

Mutual of Omaha offers three types of discounts: 15% for partners who purchase the same policy, 15% for being in good health and 5% for married customers (and whose partners aren’t under the same policy). Discounts are stackable, with premium discounts applied to the total premium amount and additional discounts applied to the remainder.

Mutual of Omaha also came in third place for customer satisfaction in J.D. Power’s 2022 U.S. Life Insurance Study and has a solid financial strength rating of A+.

Mutual of Omaha offers long-term care insurance coverage exclusively as a stand-alone product. Available policy options include the MutualCare® Custom Solution and the MutualCare® Secure Solution, which include:

  • Monthly benefits from $1,500 to $10,000
  • Elimination periods between 0 and 365 calendar days
  • Policy limit of $50,000 to $500,000
  • Waiver of premium benefit
  • Optional inflation protection benefit
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  • Specializes in critical care, life and long-term care hybrid policies, life insurance and annuities


  • Doesn't offer policies directly but connects customers with insurance carriers instead


AM Best RatingN/AJ.D. Power ScoreN/APool of Money/Benefit PeriodVaries by companyMaximum Daily/Monthly BenefitVaries by companyElimination PeriodVaries by company

As an online insurance broker, Golden Care partners with some of the most prominent companies in the market to help customers find the best options for their long-term care needs. It partners with Mutual of Omaha, Transamerica, Aetna, Thrivent, Securian Financial, OneAmerica and National Guardian Life Insurance Company.

The company matches clients with a long-term care specialist that will work with them on their care plan and guide them toward the insurer that best aligns with their situation.

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  • Policies can cover 100% of care costs
  • Premiums are guaranteed not to increase on hybrid (life/LTC) policies
  • Offers a money-back certain for hybrid policies if the insured doesn't use the policy


  • Benefit period options and covered benefits may vary by state
  • Doesn't provide online quotes


AM Best RatingA++J.D. Power Score775/1000Pool of Money/Benefit Period2, 3, 4, 5, 6, or 7 yearsMaximum Daily/Monthly Benefit$50-685 per dayElimination Period0 and 180 days for in-home care and between 90 and 180 for facility

New York Life is our top pick for the best long-term care insurer for financial stability. It has superior financial ratings — the third-highest of any insurance company on our list, regardless of type — and is one of the nation’s oldest mutual insurance providers.

New York Life offers two types of long-term care insurance options: traditional stand-alone policies and combination long-term care and life insurance policies. Maximum daily benefits range from $50 to $400 per day and waiting periods between 90 and 180 days. You can choose a benefit period of two, three, five, or seven years.

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  • Premium Payment option waives premium once you meet the need for care, even if you're not yet receiving benefits
  • Long-term care policies are "participating" policies, eligible for dividends
  • Up to 20% of the maximum monthly limit can be used for caregiver education and training


  • Doesn't provide online quotes
  • Only two benefit periods: three or six years of protection
  • Only covers care services from providers approved by the plan


AM Best RatingA++J.D. Power Score794/1000Pool of Money/Benefit Period3 or 6 yearsMaximum Daily/Monthly Benefit$1,500-$12,000 per month in $100 incrementsElimination Period6, 12, 25 or 52 weeks

Northwestern Mutual makes our list thanks to its superior financial strength and above-average customer service rankings. It also has a remarkably low complaint index for long-term care policies, according to the NAIC’s National Complaint Index Report.

Northwestern’s QuietCare traditional long-term care policy lets you select a maximum monthly benefit from $1,500 to $12,000 in $100 increments. It also lets you choose four elimination period alternatives: six, 12, 25 or 52 weeks. (An elimination period is the length of time between when you first need care and when the policy will start paying benefits.)

One major drawback of this policy is that it will only cover services offered by providers approved by the plan, and not all approved care providers are certified in every state.

Other long-term care insurance companies we considered

While these companies didn’t make our list of top insurers, they offer coverage and features some consumers might find attractive.

Brighthouse Financial


  • Guaranteed death benefit and terminal illness benefit
  • Ability to link the policy to an index and grow LTC benefits
  • Cash indemnity plan pays out base benefit regardless of the actual expense amount


  • No stand-alone LTC policies are available

Brighthouse Financial is an insurance company that specializes in annuities and life insurance policies. Unfortunately, its below-average customer satisfaction score, relatively low AM Best rating and high NAIC complaint ratio disqualified it from our main list.

OneAmerica (State Life Insurance Company)


  • Sells hybrid life insurance and annuity plans with LTC benefits
  • Policies underwritten by State Life Insurance Company
  • Receive LTC benefits for a limited period or opt for guaranteed lifetime benefits


  • No stand-alone LTC policies are available

OneAmerica is a financial services and mutual insurance company that specializes in life insurance and annuity products. It offers hybrid life insurance policies and annuity plans, both of which include LTC benefits. Its relatively high NAIC complaint ratio and low financial strength rating kept it out of our main list.

Lincoln Financial Long-Term Insurance


  • Income tax-free reimbursements are available for approved long-term care costs
  • Benefits are available internationally
  • Two inflation protection options: simple (3%) or compound (3% or 5%)


  • Product features and benefits may vary by state

Although Lincoln Financial has attractive product offerings and a great financial stability rating, its extremely high NAIC complaint ratio (16.31) disqualified it from our main list.



  • Offers a rider to switch from daily benefits to monthly benefits
  • Policies are highly customizable and eligible for discounts


  • Pool of money varies by state

Transamerica allows policyholders to customize their long-term care insurance coverage based on the price range they can afford. However, its low J.D. Power score and high NAIC complaint ratio kept it out of our main list.

LTC Resource Center


  • Works with different carriers
  • Offers hybrid life and LTC, state partnership, and tax-qualified policies, among others


  • Information on the site is scarce is an independent general agency. The company is authorized to underwrite and price policies, administer programs and settle claims. The lack of information about plans on its site kept the company from making our list.

California Long Term Care Insurance Services (CLTC)


  • Works with different carriers
  • Offers critical illness insurance, annuities and life insurance with LTC riders


  • Plan information on the site is lacking

California Long Term Care Insurance Services, also known as CLTC Insurance Services, is an independent insurance brokerage that specializes in selling long-term care insurance and related products in the state of California. Since CLTC’s services are limited to one state, it did not make our main list.

Long-Term Care Insurance Guide

Most people over 65 will require long-term care sometime in their lives, with women needing care longer than men and having to pay more as a consequence.

Despite this, long-term care insurance isn’t as widely known as other types of insurance.

Here’s important information you need to understand and purchase a long-term care insurance policy.

What is long-term care insurance?

Long-term care insurance provides coverage for home health care or facility care if you have a chronic health condition, cognitive impairment and/or can no longer perform at least two of the six basic activities of daily living: personal hygiene, dressing, grooming, using the bathroom, walking or eating.

Many people erroneously believe that Medicare will cover all of these costs when the time comes. However, Medicare will not cover most costs associated with long-term care, and many patients end up paying for these costs out of pocket.

How does long-term care insurance work?

Long-term care coverage pays for costs that regular health insurance doesn’t, such as personalized care in your home by a family member or a healthcare professional, a nursing facility, an assisted living facility or an adult day care center.

It works much like other types of insurance policies — you’ll pay a monthly premium and the policy will pay for your expenses once you file a claim.

The policy will only go into effect after the elimination period (the time between when you first need care and the point when the policy starts paying benefits). This elimination period is also known as the deductible or waiting period and it can be between 30 and 90 days, depending on your policy.

There are specific events that can activate your benefits. These typically include having a cognitive impairment or not being able to perform two to six activities of daily living.

What does long-term insurance cover?

Long-term care benefits cover the following services:

  • Custodial care – Assistance with daily living activities such as bathing and eating. The caregiver doesn’t need to be licensed
  • Skilled nursing – Care that’s provided by a licensed medical professional

Such medical and non-medical services may be provided in a variety of settings such as:

  • Assisted living facilities
  • Nursing homes
  • The beneficiary’s home

Finally, the policy may also cover these specialized services:

  • Hospice care
  • Respite care
  • Alzheimer’s and dementia care
  • Family member training, equipment and home modifications

How do long-term care insurance state partnership plans work?

Most states’ Medicaid programs have partnership programs with long-term care insurance providers. These programs aim to promote the purchase of these types of policies.

As a needs-based program, Medicaid has strict financial guidelines — in other words, in order to qualify, potential recipients’ income and assets must be under a certain amount.

Participants in these state partnership programs, however, can keep assets beyond those limits set by Medicaid. These partnerships may also protect participants’ assets from Medicaid’s estate recovery program.

State partnerships use the “dollar for dollar” model — for every dollar that the participant’s policy pays out, one more dollar in personal assets is exempt when calculating eligibility. So, if you or your loved one’s policy pays $100,000 for long-term care expenses, Medicaid would disregard an additional $100,000 in personal assets when calculating eligibility.

Types of long-term care insurance

Understanding which type of LTC policy is right for you and your loved ones can help you make the right decisions and provide you with peace of mind.

Read on for more information about the two main kinds of LTC insurance policies.

Stand-alone long-term care insurance policies

A traditional long-term care insurance policy can reimburse you for some of the costs of the care you receive at home, at a nursing home or in a residential care facility.

This type of policy usually offers some flexibility when it comes to the kind of care you receive, when and where you receive it and for how long.

Stand-alone long-term care insurance policies provide a monthly benefit amount that is paid out during a benefit period. Benefit periods typically range from two to five years, and benefits are disbursed after an elimination period, which customarily ranges between 30 days to 90 days.

You may add riders to your LTC policy that increase or modify coverage, such as one that adds inflation protection to prevent your benefit from losing value as the cost of living increases.

Hybrid long-term care insurance policies

Hybrid long-term care policies typically combine two types of coverage: a life insurance policy or qualifying annuity and a long-term care rider.

The advantages of a hybrid life/long-term care insurance policy include:

  • The policy will pay out a death benefit to your beneficiaries if the policyholder doesn’t use the long-term care insurance benefits.
  • Premium payments are guaranteed not to increase over the life of the policy.
  • Underwriting is less strict, and pricing for women could be lower.

But hybrid long-term care insurance policies also have drawbacks, at least for some:

  • Premiums can be far higher than those for stand-alone long-term care insurance.
  • Buying life insurance late in life is much more expensive than buying when younger

Ultimately, the choice to purchase a stand-alone policy or a hybrid one will depend on your personal and financial goals. An insurance agent might be able to guide you towards the best option for you.

If you’re in the market for a life insurance policy, click here to see our ranking of the best life insurance companies.

How much is long-term care insurance?

The American Association for Long-Term Care Insurance (AALTCI) says that, in 2022, the average annual premium for a policy benefit equalling $165,000 would cost a 55-year-old couple $2,080 (combined), while individual policies would cost $950 for a 55-year-old male and $1,500 for a woman of the same age.

However, it’s important to compare this to the costs of long-term care itself, as these are rising exponentially.

Between 2020 and 2021, the average cost of assisted living facilities increased by 4.65%, homemaker services by 10.64% and home health aide services by 12.50%.

Long-term care costs can vary depending on the services provided and where they are rendered, whether in-home, at an assisted living facility or at a nursing home facility.

According to Genworth’s 2021 Cost of Care Survey, the daily median cost for homemaker services is $163, while a home health aide costs $169. Assisted living costs are lower, with a daily average of $78 for adult day care and $148 for assisted living facilities.

The average annual cost of various care options are as follows:

  • Homemaker services: $59,488
  • Home health aide: $61,766
  • Adult day health care: $20,280
  • Assisted living facility: $54,000
  • Semi-private room in nursing home: $94,000
  • Private room in a nursing home: $108,405

As for the costs of long-term care insurance, the American Association for Long-Term Care Insurance (AALTCI) says that, in 2022, the average annual premium for a policy benefit equalling $165,000 would cost a 55-year-old couple $2,080 (combined), while individual policies would cost $950 for a 55-year-old male and $1,500 for a woman of the same age.

Long-term care insurance cost factors

The following are some of the many factors that determine your LTC policy premiums:

Age and health

Planning ahead pays off — the younger you are, the less expensive your premium will be. According to a study by the AALTCI, most of the applicants whose requests for coverage were denied were those in the 60 to 79 age bracket. You may need to undergo a medical test to receive coverage.


According to data from the Administration on Aging, on average, women outlive men by about five years. Since the odds of a woman making a claim are higher than those of a man, premiums for women tend to be more expensive.

Marital status

The cost of long-term care insurance tends to be lower for married couples than for single people.

Insurance company

Prices vary depending on how the insurer prices risk and the benefits the policy offers. It’s important to compare at least three quotes from different carriers to ensure you’re getting the best price for the coverage you need.

Selected coverage

The cost of long-term care insurance will also depend on the policy’s term length, the amount of coverage you select and whether or not you purchase additional coverage through a policy rider such as inflation protection or return of premium death benefit.

What can disqualify you from long-term care insurance?

Insurance companies price risk differently, which means some may be more lenient than others when it comes to certain risk factors. In general, long-term care insurers will pay special attention to your medical history and any family history of debilitating illness.

Being in poor health or needing help with daily living activities could make it harder to get approved for coverage or to qualify for lower premiums.

Alternatives to long-term care insurance

If private insurance isn’t the right solution for your long-term care insurance needs, there are a few alternatives available.

Medicare and Medicaid

As a joint federal and state public insurance program for low-income Americans, Medicaid is the largest public payer for long-term care services, but not all nursing homes accept it.

Eligibility for Medicaid is strictly needs-based. However, if you haven’t qualified for the program in the past, you may qualify now (or in the future) if you spend a significant portion of your assets paying for care. For more information on the coverage in your state, contact your state’s Medicaid office.

Medicare, on the other hand, doesn’t cover most long-term care expenses, offering only coverage for short-term care — applicable only in case of illness or injury and if you meet certain conditions, primarily if you need skilled services or rehabilitative care.

Veterans Health Administration

The Veterans Health Administration and other state-run assistance programs offer aid to cover long-term care expenses to qualifying veterans.

Among other benefits, it offers The Veterans Aid & Attendance Pensions Benefit, a federal program that provides long-term care assistance coverage for veterans and their spouses.

The benefit is tax-free and can be used for in-home care, assisted living or in paying for a private nursing home facility.

To qualify, the veteran must meet receive a VA pension, meet certain financial criteria and meet at least one of the following requirements:

  • Needs help in performing daily living activities
  • Has to stay in bed (or spend most of the day in bed) due to an illness
  • Is a patient in a nursing home due to a disability
  • Has limited eyesight even with glasses or contact lenses


People who have plenty of money saved for retirement can likely bear the costs of long-term care without help.

This is especially true if you own the house you live in, are willing to sell it to cover any long-term care costs (and have someone who can help facilitate the sale and help you move into an assisted living facility.)

The best tools to build a retirement nest are long-term investment plans such as the 401(k) or an IRA, but a savings account may come in handy if you need an additional safety net to withdraw from at will. If you’re not sure which savings account offers the best benefits, check out our reviews for best savings accounts and best high-yield savings accounts.

Additionally, if you have a health savings account (HSA), you may be able to claim a large portion of medical expenses associated with long-term care, thus allowing you to tap into the pre-tax benefits associated with HSA accounts. In fact, those who are 55 and older are allowed an additional $1,000 for “catch-up” contributions above the 2022 individual contribution limit of $3,650.

Obviously, self-funding isn’t an option for those who lack such resources, or who prefer not to risk depleting savings to pay for long-term care, perhaps because it’s a priority for them to pass along their wealth to heirs.

Latest News About Long-Term Care Insurance

  • People who have difficulty performing activities of daily living but who still desire to live independently may benefit from having a medical alert system. Our list of the best medical alert systems can help you find the right one for you.

Long-Term Care Insurance FAQ

Is long-term care insurance worth it?

Many people put off thinking about the prospect of needing care later in life or who will provide it, but the likelihood of needing care is high. Research shows that 70% of people aged 65 and older will need some form of long-term care, with women needing 1.5 more years of care than men.

According to financial expert Greg Klingler, "Purchasing insurance is about managing your risk. If you ask someone who has been confined to a long-term care facility if it is worth it, the answer will be a resounding yes. But if you ask someone who never had the need, the answer will be no."

Who should buy long-term care insurance?

Most people will need some form of long-term care, but not everyone is a prime candidate for an LTC policy. Buying long-term care insurance is recommended for healthy people between the ages of 55 and 65.

You'll find that premiums are lower for younger people; however, get the insurance too soon, and you'll be paying premiums a long time before you collect the benefits. That being said, you shouldn't wait too long to make a long-term care plan - almost half of the applications for insurance were declined for those aged 70 or older.

When should I buy long-term care insurance?

Although many people put off purchasing long-term care insurance policies due to the potentially high cost of premiums, many experts recommend you start shopping for policies in your early fifties if possible. The younger and healthier you are, the wider your options and the more likely you are to get the lowest rates.

What is long-term acute care?

Long-term acute care (LTAC) facilities provide specialized, intensive care for patients with serious health conditions. Most patients in these facilities have been transferred from Intensive Care Units (ICUs) and still need 24-hour care, often with specialized equipment.

How much does Medicare pay for long-term nursing home care?

Original Medicare does not cover long-term nursing home care; however, it could cover short-term skilled care at a nursing home or in your own home, provided you meet certain criteria. If you or your loved one is enrolled in a Medicare Advantage Plan (Part C) or other Medicare health plan, you should ask the plan directly whether they'll cover nursing home costs.

How We Chose The Best Long-term Care Insurance Companies

To select the best long-term care insurance companies of 2022, we considered the customer satisfaction ratings from J.D. Power’s 2022 Individual Life Insurance Study.

We also looked into financial strength as evidenced by AM Best’s ratings for each company, along with the number of complaints filed against them with the National Association of Insurance Commissioners (NAIC).

Summary of Money’s Best Long-term Care Insurance of December 2022

  • Nationwide: Best for Customer Satisfaction
  • Mutual of Omaha: Best for Discounts
  • Golden Care Insurance: Best Marketplace
  • New York Life: Best for Financial Stability
  • Northwestern Mutual: Runner-up for Financial Stability

© Copyright 2022 Money Group, LLC. All Rights Reserved.

This article originally appeared on and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer.

Tue, 06 Dec 2022 05:58:14 -0600 en-US text/html
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