TOP 10 BEST LIFE INSURANCE COMPANIES IN THE UNITED STATES IN 2018The best life insurance companies change every year. How can you be so sure you’re choosing the top life insurance carrier for you and your family Just because they are highly rated insurers with a strong brand name, how can you be so sure it’s truly the best policy. We are going to attempt to help you make your decision or at least make it simpler so you only find yourself working with the best life insurance providers available to you.
We found those three carriers to be in leagues of their own. But, dont take our word for it just yet.
Lets take a look at who else is on our list of best life insurance companies this year and find out who the closest competitors are. Based on our experiences, financial strength ratings, reviews from clients, and overall product availability, below are our top 10 best life insurance companies in America this year
TOP 10 BEST LIFE INSURANCE COMPANIES IN THE U.S.
Haven Life – Instant Issue!
MassMutual – Full Planning!
Banner Life – Cheap Term!
Protective
Prudential
AIG
Principal
Northwestern Mutual
MetLife
Transamerica
1. HAVEN LIFE INSURANCE
How do you take an entire industry by storm Only by creating the best product on the market, thats howHands down, the best new life insurance company on the market today is Haven Life. Haven Life insurance is the only life insurance you can buy 100 online without any agent interaction. This is a huge step forward in convenience and efficiency, both for you and them. It also helps they are backed by MassMutual ranked 2nd on our list, who is just one of a few life insurance companies who have a nearly perfect score of final strength ratings, by all rating agencies, and over 165 years of history doing business to back it up.
2. MASSMUTUAL
For more than 160 years, MassMutual has been offering life insurance products which are competitive and diverse.After having been ranked 3rd on our list for two years consecutively, they are pushing closer to the top With the addition of backing Haven Life, and having a full suite of financial planning products, its no wonder they are leading the best of the marketplace. You have the ability to, quite literally, get your entire financial portfolio in order, all under one roof. While this may not be necessary, it is possible. The financial strength of MassMutual is virtually unparalleled, so you can feel safe with your decision either way.
3. PROTECTIVE LIFE INSURANCE COMPANY
Making a big jump our list of best life insurance companies at number four is Protective, another company many havent heard of just yet. Despite this, they have a dominant foothold in more than one sector of the life insurance industry. For more than a century now, Protective Life has lived up to its name in protecting households and businesses all across the United States. With more than 5 subsidiaries, an international presence, four separate A ratings, and a huge number of policyholders, Protective is getting noticed for the first time in a major way.
You will have your pick of term life insurance, universal, or variable universal, where Protective is extremely price competitive. Especially with its universal products, Protective is one of the few companies who offer permanent insurance for all tiers of fully underwritten life insurance. If you are considering permanent coverage, like for estate planning, Protective should be among your top considerations.
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Five Most Common Side Effects of Cancer Treatment And Their Management Strategies
More than 2 million people around the world are diagnosed with cancer each year. Depending on the type of cancer that they suffer from, oncologists may suggest a combination of surgery, radiation, chemotherapy, hormone therapy, stem cells transplant, or immunotherapy as a part of the treatment plan.
Each cancer patient and their family members end up spending thousands of dollars to seek good quality cancer treatment. However, there is more than just the financial expenses. They also end up losing a big chunk of their physical and mental energy, primarily because of the aftermath of the cancer treatment.
Cancer treatment often produces a series of side effects that patients find difficult to deal with. Not all patients experience these side effects, but those who do have no idea how they should manage them to make their lives easier.
Cancer treatment side effects can not only make the patient uncomfortable and worst if they are not able to stick to their treatment protocol. In fact, the side effects may even reduce the effectiveness of the treatment if nothing is done to manage them.
The following are some of the most common side effects of cancer treatment and the ways to manage them:
1. Fatigue
It is estimated that more than 70 percent of the cancer patients experience fatigue after undergoing cancer treatment, especially chemotherapy and radiation therapy. Fatigue that is not controlled by resting often ends up affecting the way how the patient conducts his or her daily activities after the treatment.
The following strategies can help manage fatigue after cancer treatment:
Reduce your workload
Rest whenever you feel tired
Exercise everyday
Take a nutritious diet
2. Hair loss
Hair loss is one of the most common side effects experienced by cancer patients after chemotherapy. The high dose of drugs destroy the rapidly growing cells, including cancer cells and hair roots. This is the reason why cancer patients may lose hair from their scalp, armpits, eyebrows, eyelashes, and private regions.
Even though hair grows back normally in a few months the following strategies can help manage hair loss after chemotherapy:
Use a hat, scarf, or wig to cover your scalp.
Try cooling the scalp.
If approved by the doctor, take the drug minoxidil.
Let hair fall out on their own without getting yourself stressed. They will grow back eventually.
3. Diarrhea
Some drugs used to treat specific types of cancer may affect the intestines. The active ingredient contained in the drug may react with the enzymes produced by the intestinal bacteria and cause discomfort and diarrhea is one of them. This side effect is reported in almost 30 percent of the cancer patients.
Here are some of the strategies to manage diarrhea resulting out of cancer treatment:
Only eat food items that are easy to digest
Avoid fiber-rich foods as they can worsen diarrhea
Increase your fluid intake
4. Decreased libido and sex drive
Some patients may experience sexual dysfunction after cancer treatment. This is especially true in the case of patients who have had received treatment for cancers related to the bladder, prostate, colon, and rectum. However, this side effect is not just restricted to males. Females, too, can experience sexual dysfunction after receiving therapies for breast, ovarian, or cervical cancer.
Cancer treatment decreases sexual drive by affecting the nerves, hormones, and vessels that control sexual activity and mechanism. In addition, increased stress and anxiety can also hamper sexual activity of the cancer patient.
The following strategies can help manage sexual dysfunction in cancer patients:
Sildenafil (Viagra) administration for treatment of erectile dysfunction in males
Women are advised to talk to their doctor about the changes in their sexual drive
5. Itchiness and redness
Sometimes the drugs administered may react internally and cause an irritation of the skin. This may lead to excessive dryness, redness, and itchiness. In addition to the changes related to the skin, the nails may become pale, brittle, and dark because of the chemotherapy drugs.
The following strategies can help manage changes related to the skin and nails:
Use mild and fragrance-free lotions, soaps, or cream. It can help treat minor irritation to the skin.
Certain drugs such as cyclophosphamide and methotrexate can cause dark or golden pigmentation. Ask your doctor for more information.
Some doctors ask the patient to wear frozen mittens during chemotherapy. It is believed that it helps drugs from reaching the hand.
