Tuesday, February 23, 2016 |
Post written and approved by Peggy Mace.
Did you know that you can get life insurance after suffering a stroke? If you are over the age of 39, life insurance policies are offered that do not ask any health questions. Whether your stroke is mild or severe, these “guaranteed issue” policies will enable you to obtain up to $25,000 of permanent coverage without any exam or phone interview. You don’t even have to be able to sign your name. These policies are truly a godsend for people who wonder whether having a stroke will prevent them from getting life insurance.
Some caveats. Not every state offers guaranteed issue policies under age 50. And I don’t know of any guaranteed issue policies available to persons over age 80. However, by having a number of policies to choose from or refer you to, we are able to find life insurance for nearly every stroke survivor who contacts us.
For those who are still able to perform all their own ADL’s (activities of daily living) after a stroke, there are more options available. Some are called “simplified issue” policies. These ask a limited number of health questions, and as long as you can answer “no” to those questions, you can get the policy. One of those questions is, “Have you had a stroke in the past ___ years?” If your stroke occurred more than that number of years ago and you can answer no to the other health questions, you can get the policy. This type of policy can be obtained by many stroke victims, even under the age of 40. Simplified issue policies come in both term and permanent choices.
Finally, persons who had a very mild stroke at an older age may be able to get “regular” life insurance. The life insurance underwriters will look at their exam and medical records to get the applicant’s total health profile. If their stroke has not caused much damage, and the risk of having another stroke is small, these stroke survivors can possibly get as much life insurance as they want, and at affordable rates. Again, this type of coverage comes in term, universal life, or whole life options.
Having a stroke is a traumatic experience, but getting life insurance after a stroke does not have to be traumatic. Using life insurance professionals who understand when to “shoot for the stars” and when to “take what you can get” can greatly alleviate the stress of finding coverage. Experienced stroke life insurance agents will also ensure that your application results in the desired policy.
I will gladly answer any of your questions or assist you in this endeavor, and applaud you for your courage and hard work in living your life to the fullest after your stroke.
Peggy Mace, CEO and Senior Agent, Outlook Life
866-866-0242 ext 914
Friday, September 25, 2015 |
In a cohort of middle-aged patients with well-controlled hypertension, those who took a long midday nap appeared to have better blood-pressure control that their peers, in a new study.
Asked about the seemingly indulgent amount of midday sleep, Kallistratos admitted to heartwire from Medscape that "people who don't work have the luxury to sleep for about 60 minutes." Sixty minutes also corresponded to a drop in blood pressure that is associated with "a meaningful decrease in risk of cardiovascular events," whereas a shorter nap may not have shown this effect.Midday sleep was associated with a 6-mm-Hg lower average systolic blood pressure, he noted in a press conference today. "Six mm Hg is a small amount, but we have to keep in mind that reductions of 2 mm Hg may decrease the risk of cardiovascular events by up to 10%," he said.
To heartwire , session comoderator Dr JR Gonzalez Juanatey (Hospital Clínico Universitario de Santiago, Santiago de Compostela, A Coruña, Spain) agreed with this potential mechanism. "The message for hypertensive, high-risk patients is that a short nap after lunch could exert a positive cardiovascular effect," he said."The benefit seems to continue after the midday nap, because we observed a change in blood pressure at night and a change in dipping status," he emphasized. "My feeling is this is due to the decrease in sympathetic 'overdriving,' " he said
A Midday Snooze
Is a midday nap just a habit, or is it beneficial for patients with hypertension? This is the question Kallistratos and colleagues aimed to answer.
They performed a prospective study that enrolled 200 men and 186 women with a mean age of 61 years and a mean blood pressure of 129/76 mm Hg. "Their blood pressure was well controlled " Kallistratos noted. The patients had other cardiovascular risk factors: they were generally overweight (mean body-mass index [BMI] 28.8), and 57% had dyslipidemia, 27% had diabetes, and 31% smoked.
Patients were classified as midday "nappers" or "nonnappers," based on their replies to questions asking if and when they napped.
After adjusting for age, gender, BMI, smoking status, salt, alcohol intake, exercise, and coffee consumption, the researchers found that the patients who took a midday nap had a 5% lower average 24-hour ambulatory systolic blood pressure than patients who did not sleep at all at midday.
Compared with patients who did not take midday naps, those who did had lower average daytime systolic BP when they were awake (126 mm Hg vs 131 mm Hg) and average nighttime systolic blood-pressure readings that were 7 mm Hg (6%) lower (115 mm Hg vs 122 mm Hg).
Kallistratos acknowledged that this was an observational study; "however, it would be difficult to randomize patients to sleep or not sleep at midday, he said.
It is possible that the findings would be different in patients with uncontrolled hypertension. "We will continue the study including patients with untreated, uncontrolled hypertension and healthy subjects" to see if the blood-pressure decrease is the same, he said.
Friday, September 25, 2015 |
Your doctor may prescribe medication you can take to lower high blood pressure. It is a good idea to keep the following guidelines in mind when you're taking prescription drugs.
1. Know the names of your medications and how they work. Know the generic and brand names, dosages, and side effects of the drugs. Always keep a list of your medications with you.
2. Let every doctor you see know what drugs you take and if your medication or dosage has changed since your last visit.
3. Take medications as scheduled, at the same time every day. Do not stop taking or change your medications unless you first talk with your doctor. Even if you feel good, continue to take your medications. Stopping drugs suddenly can make the condition worse.
4. Have a routine for taking medications. For example, using a pillbox marked with the days of the week, fill the pillbox at the beginning of each week to make it easier to remember.
5. Keep a medication calendar and note every time you take a dose. Prescription labels tells you how much to take at each dose, but your doctor may change the dosage periodically, depending on your response to the drug. On your medication calendar, you can list any changes in dosages as prescribed by your doctor.
6. Do not decrease your medication dosage to save money. You must take the full amount to get the full benefits. If cost is a problem, talk with your doctor about ways you can reduce the costs of your medications.
7. Do not take any over-the-counter drugs or herbal therapies unless you ask your doctor first. Some drugs may interact with each other causing undesirable effects.
8. If you forget to take a dose, take it as soon as you remember. However, if it is almost time for your next dose, skip the missed dose and go back to your regular dosing schedule. Do not take two doses to make up for the dose you missed.
9. Regularly fill prescriptions and ask the pharmacist any questions you have. Do not wait until you are completely out of medication before filling prescriptions. If you have trouble getting to the pharmacy, have financial concerns, or have other problems that make it difficult for you to get your medications, let your doctor know.
10. When traveling, keep drugs with you so you can take them as scheduled. On longer trips, take an extra week's supply of medications and copies of your prescriptions, in case you need to get a refill.
11. Before having surgery with a general anesthetic, including dental surgery, tell the doctor or dentist in charge what drugs you are taking. An antibiotic may need to be prescribed prior to a surgical or dental procedure. Also, let the doctor know if you are taking aspirin and/or any other blood thinners.
12. Some drugs may alter your heart rate, so take your pulse regularly. Drugs that relax constricted blood vessels may cause dizziness. If you experience dizziness when standing or getting out of bed, sit or lie down for a few minutes. This will increase your blood pressure. Then get up more slowly.
Read more at WebMD
Monday, August 31, 2015 |
Q: Please tell us why you are involved in the Hypertension community? Do you have Hypertension?
A: I am involved in hypertension because it affects my immediate and extended family. I am the first one in my family who does not have hypertension. I made serious changes 11 years ago. I lost 60 pounds over 8 years and completely changed my lifestyle. I first became educated about what hypertension is, and how it happens. I also tapped into resources such as Dr. Ted Broer www.healthmasters.com, Dr. Eric Braverman www.pathmed.com and Life Extension www.lef.org. All of these sites along with my holistic GYN, and General Practitioner, aided in my transformation.
Q: Why are you involved in spreading information about Hypertension on social media platforms?
A: In 2014 and early 2015, I lost 2 family members and 1 close friend in a 6 month period. All were under the age of 55, and 2 died from heart disease, specifically hypertension. One was an athlete, and physically active, he was 44, and his heart stopped in his sleep. His pressure was so high, the medications were not very successful in the genesis of his diagnosis in bringing it down. Once he died, many of my friends and co-workers encouraged me to start the site since I am always asked about health information, what to eat, how to supplement etc.
Q: What interesting research, tips, recipes, or story can you share with our Hypertension Community?
A: Hypertension is a hardening (loss of flexibility) of the arteries. Your blood flow through your arteries is like a garden hose. As the flexibility ceases, the ability of free flowing blood is compromised causing the heart to work harder to pump blood, thus the pressure is raised. Chronic inflammation damages blood vessel walls with plaque formation causing the hardening. Chronic inflammation comes from excessive insulin levels in the body , which derives from the food you eat. Processed foods high in sugar and salt cause this condition. If you eat like this regularly, you are constantly inflamed. All disease originates from inflammation.The great thing is heart disease is totally reversible and preventable. A diet low in sodium, high in vegetables, fiber, healthy fats (olive oil, coconut oil, avocado, walnuts, sunflower seeds), and proteins (organic eggs, grass-fed meats, wild fish (not farm raised), will prevent this. I recommend the book The Amazing Way to Reverse Heart Disease by Dr. Eric Braverman. I took his book to the supermarket and followed The Rainbow Diet, purchasing what he suggested. I bought a blood pressure machine to monitor my pressure, exercise and supplement with herbs in what I eat (ginger, garlic, tumeric, rosemary, thyme etc. ) A great spice rack goes a long way!
Read more at www.chaseitstraight.com