Monday, August 31, 2009

Ankle Circulation Can Warn Of Strokes

A simple test of blood circulation in the ankle could help physicians identify individuals at higher risk of suffering another stroke according to the American Heart Association.  Strokes are a major critical illness impacting almost 800,000 Americans annually according to the American Association for Critical Illness Insurance, the national trade organization.

According to researchers, a simple test to compare blood flow in the ankle to that in the arm is all that's needed.  A significant difference between the two readings could suggest that a patient suffers from peripheral artery disease, caused by fatty plaque buildup in the arteries of the extremities.

Stroke survivors and those who have experienced transient ischemic attacks -- also known as TIAs or mini-strokes -- are at high risk of stroke if they have peripheral artery disease according to the scientists.

Researchers screened survivors of strokes and mini-strokes using a device similar to a blood-pressure cuff to check circulation in their ankles. They found that 26 percent of the patients had peripheral artery disease without symptoms. Those patients were three times more likely to suffer from stroke, heart attack or death within the next two years compared to those who didn't have the condition.

Wednesday, August 26, 2009

One Million More Women Will Survive Breast Cancer

More women are surviving breast cancer in situ according to a report in the current issue of the Journal of the American Medical Association is welcome news for millions of American women.  There were 610,171 in situ survivors in 2005 and researchers expect that by 2016 the number will exceed one million.

Breast cancer in situ now accounts for 20 percent of newly diagnosed breast cancers. It is the early stage of the disease, when it is still confined to the layer of cells in the ducts or lobules of the breasts.  Cancer is one of the three primary critical illnesses that strikes Americans resulting in billions of dollars of lost productivity and medical expenses according to the American Association for Critical Illness Insurance.

Researchers at the University of Wisconsin-Madison explained that while there were 2.5 million breast cancer survivors in the United States in 2005, the number of breast cancer in situ survivors was unknown.

Women with breast cancer in situ are four times more likely to develop invasive breast cancer compared with the general population, the researchers explained.  The scientists study found that women with ductal breast cancer in situ, one of the more common forms, were more than five times more likely to be survivors compared with women diagnosed with lobular breast cancer in situ.

The researchers also reported that more white women survived than black women and women from other ethnic groups.  "Current epidemiologic evidence regarding predictors of subsequent invasive breast cancer after breast cancer in situ is limited," the researchers noted in their report. "Guidelines are necessary to help the increasing number of breast cancer in situ survivors choose the best treatment and lifestyle strategies while still maintaining high quality of life."

SOURCES: Barbara A. Brenner, executive director, Breast Cancer Action, San Francisco; Aug. 26, 2009, Journal of the American Medical Association

Friday, August 21, 2009

Critical Illness Insurance YouTube Site Established

The American Association for Critical Illness Insurance has established a new YouTube page and posted initial videos as part of the organization's commitment to consumer and insurance producer education.

Two videos have been created and posted by the organization.  Both focus on providing basic information on this important protection and providing consumers with preliminary information.

The website address is: http://www.youtube.com/criticalillnessinfo

Saturday, August 15, 2009

Declines In Cancer Deaths Not All Good News

A new study shows some improvement in cancer death rates.   Improvements in cancer screening and better treatments have resulted in the steady decline over the past three decades according to U.S. researchers. 

The scientists note that younger adults between ages 35 and 45 years old experienced the steepest declines in cancer death rates.  They noted that all age groups showed some improvement.  The findings of the study appear in the journal Cancer Research.

The news has both positive and negative implications some experts note.  Surviving cancer often results in an enormous financial toll on both the survivor and their family.  According to the American Association for Critical Illness Insurance the industry trade group, uncovered medical costs are a leading cause of personal bankruptcies in the United States.

While U.S. government estimates suggest there had been little improvement in cancer death rates throughout the 20th century, scientists noted the government reports did not tell the whole story.  Researchers used a different way of looking at cancer death rates that measured improvements in cancer deaths by age.

By comparison, government data tends to average all age groups together to produce a composite rate.

Because most cancer deaths occur in older Americans, the average was weighted toward experiences of older people.   Instead, the researchers looked at improvements in cancer deaths among groups of individuals born in five-year intervals starting in 1925.

Using this methodology, they found that everyone born since the 1930s has enjoyed a decreased risk of cancer death, at every age.  People in the youngest age group (between 35 and 45) had a greater than 25 percent decline per decade in cancer deaths.

Thursday, August 13, 2009

Chocolate Helps Heart Attack Survivors

Eating chocolate can reduce a heart attack survivors' risk of dying.

Researchers followed more than 1,100 Swedish men and women who were hospitalized with their first heart attack.  The individuals studied were between the ages of 45 and 70.

In the United States some 785,000 individuals will have a new coronary attack and about 470,000 will have a recurrent attack according to the American Association for Critical Illness Insurance.  The American Heart Association reports that the average age of a person having a first heart attack is 64.5 for men and 70.3 for women.

The Swedish heart attack survivors who ate chocolate two or more times a week were about three times less likely to die from heart disease than those who never ate chocolate.  The study also found that when smaller amounts of chocolate were consumed, the individuals were also offered some protection.

Findings of the research appear in the September issue of the Journal of Internal Medicine.  Researchers noted that this is believed to be the first study that demonstrates that chocolate can help prevent death in heart attack survivors.

Chocolate is made from plants and, as a result, contains many of the health benefits of dark vegetables. These benefits are from flavonoids, which act as antioxidants. Antioxidants protect the body from aging caused by free radicals, which can cause damage that leads to heart disease. 

Dark chocolate contains a large number of antioxidants -- nearly 8 times the number found in strawberries. Flavonoids also help relax blood pressure through the production of nitric oxide, and balance certain hormones in the body.

Wednesday, August 12, 2009

Asprin May Reduce Risk Of Coloreactal Cancer

Researchers report that aspirin may not only reduce the risk of getting colorectal cancer, but it also could lower the odds of dying once you have it.  According to the American Association for Critical Illness Insurance, hundreds of thousands of Americans who are diagnosed annually with cancer, do survive.  

Study participants with colorectal cancer who took aspirin regularly had nearly a 30 percent lower risk for death from the cancer and a 21 percent lower risk for death from other causes, according to the research, reported in the Journal of the American Medical Association.

 The researchers reported that following an average of roughly 12 years, 35 percent of the 549 people with colorectal cancer who took aspirin had died. That included about 15 percent whose death was attributed to the cancer.

 However, the study notes, among the 730 people with colorectal cancer who did not take aspirin, 39 percent had died, including 19 percent from the cancer.   The overall five-year survival rate was 88 percent for people who used aspirin, compared with 83 percent for those who did not. The 10-year survival rate was 74 percent for aspirin users and 69 percent for those who didn't use aspirin.

Researchers at Massachusetts General Hospital and the Harvard Medical School used data on 1,279 men and women with stage 1, 2 or 3 nonmetastatic colorectal cancer who were participating in two large studies, the Nurses Health Study that began in 1980 and the Health Professionals Follow-up Study that began in 1986.

Among 719 participants who had not used use aspirin before their cancer diagnosis, starting to take it once they'd been diagnosed was associated with a 47 percent lower risk for dying from the cancer and a 32 percent lower risk for dying prematurely from any cause.

Previous research has shown that aspirin might reduce the chances of developing colorectal cancer. Despite mounting evidence of aspirin's potential cancer-fighting properties, some medical experts have still stopped short of recommending that it be used to prevent or treat colorectal cancer.  Aspirin, they note, can cause side effects, including gastrointestinal bleeding. Further studies, including placebo-controlled trials of aspirin and other anti-inflammatory agents, are needed they explain.

SOURCES: Andrew Chan, M.D., M.P.H., assistant professor, medicine, Harvard Medical School, and gastroenterologist, Massachusetts General Hospital, Boston; Alfred I. Neugut, M.D., Ph.D., professor, medicine and epidemiology, Herbert Irving Comprehensive Cancer Center, Columbia University, New York City; Aug. 12, 2009, Journal of the American Medical Association

Monday, August 10, 2009

Hispanic Market Has Prime Need For Critical Illness Insurance

I believe the Hispanic market provides an outstanding opportunity for the marketing of critical illness insurance in the United States.  The following news item  reinforces the need for critical illness planning by this growing segment of the population.

Hispanics who move to the United States increase their risk for cancer by as much as 40 percent and thus have an even greater need for health insurance coverage.

Researchers blame the American lifestyle.  Of three Hispanic subgroups studied by researchers at the University of Miami Miller School of Medicine, Puerto Ricans had the highest cancer rates and Mexicans the lowest. The risk of cancer among Cubans was close to that of whites, the researchers found.

An estimated 745,000 men and nearly 700,000 women are diagnosed with cancer every year according to the American Association for Critical Illness Insurance, a non-profit industry organization which advocates health insurance planning for all individuals.  Some 565,000 Americans die each year from cancer.

The study took place in Florida, home to about 2.7 million Hispanics and an ideal setting for a study on immigration and cancer, the study's authors noted.  Using data from the Florida cancer registry for 1999 to 2001 and the 2000 U.S. Census, the team looked at cancer rates in the places of origin and compared them with cancer rates for those groups in Florida.

Hispanics had lower cancer rates than whites and blacks in Florida, but researchers found that Cubans and Puerto Ricans quickly acquired higher risk for diet-related cancers. Cuban men had more tobacco-related cancers than seen in their homeland, Puerto Rican men had higher rates of liver cancer, and Mexican women had higher rates of cervical cancer, the researchers noted.  Health insurance industry experts note cancer is one of the more costly conditions to treat.

Among Cubans and Mexicans in Florida, the risk for colorectal cancer was more than double the risk in Cuba and Mexico. The same was true for lung cancer among Mexican and Puerto Rican women in Florida compared with women in their homelands, the researchers found.

These differences should be taken into account when developing cancer prevention programs and educational programs which include discussions of health insurance and critical illness insurance for Hispanic groups in the United States.

Amelie G. Ramirez, director of the Institute for Health Promotion Research at the University of Texas Health Science Center at San Antonio, applauded the report.  "This study is significant in that it confirms some trends we've been seeing in the last few years, mainly that different U.S. Hispanic population groups -- Cubans, Mexicans and Puerto Ricans -- have higher incidence rates of certain cancers than they do in their homelands," Ramirez said. "They also tend to have worse cancer outcomes due to less access to health care and late diagnosis."

Population projections indicate that about one in every three people in the United States will be Hispanic by 2050. 

Insurance agents and brokers interested in free membership in the American Association for Critical Illness Insurance should visit the organization's website, www.aacii.org/

Sunday, August 9, 2009

Why Don't Agents Sell Critical Illness Insurance

When I founded the American Association for Long-Term Care Insurance back in 1998, it was commonly believed that only insurance agents who specialized in the field would be successful.  A decade later, more than 80 percent of all LTCi sales are made by incidental agents and brokers who sell a policy or two every so often.

Now as we start building a new trade organization, the American Association for Critical Illness Insurance (AACII), I face a dilemma.  Why haven't sales of CI products been more robust?  Critical illness insurance was first introduced in the U.S. in 1996.

So, I am using this blog as one way to reach out to insurance agents and brokers.  Both those who have sold CI ... and those who haven't.  Your replies to a few questions (below) would be most appreciated.  It will help me build the industry and your sales.

A major initiative for AACII will be providing agents and brokers with the information and marketing / sales tools they need to find more prospects.  By the way, for an initial period of time these will all be available free of charge via the Association's website.  You can sign-up to receive E-alerts as the website adds features.

The questions.

If you have not sold a critical illness insurance policy, why not?

If you have sold CII, what marketing or sales tool would make it easier for you to sell it more often?

What one question about CI insurance do you want answered (we'll have lots of information on the website).

Please feel free to send me an E-mail to: mailto:jslome@aacii.org and all comments are welcome.

Thank you.  I believe there is enormous potential for the sale of critical illness insurance in the United States.  And, the American Association for Critical Illness insurance will play a vital role in making that happen.

Tuesday, August 4, 2009

Study Examines Gaps In Cancer Survival Between White and African Americans

New research findings may explain the racial gap in cancer survival, providing clues to why white patients often outlive blacks even when they have what appear to be the same cancers.

While the American Cancer Society reports that U.S. cancer deaths continue to decline compared to prior years, the news has been a mixed bag for one segment of the population, African-Americans.  While, they are dying less of cancer, the disease still kills them more often according to the American Association for Critical Illness Insurance.

Now, new insights from researchers at the University of Maryland reveal some insight into the gap.  Throat cancer and cancers of the head and neck have increased sharply in recent years, apparently because of the human papillomavirus.  This is the same sexually transmitted virus that causes cervical cancer and is the target of an increasingly popular vaccine for girls.  The virus can also be spread through oral sex, causing cancer of the throat and tonsils.

The new research commenced when University of Maryland scientists discovered that their white patients with throat cancer were surviving 70 months on average, compared with 25 months for their black patients, even though all were treated at the same hospital.

The racial disparity in survival for oropharyngeal cancers explained most of the gap between blacks and whites for all head and neck cancers, the researchers said.  “We were shocked to see this in our own institution, where more than half of the patients we treat are African-American,” said Dr. Kevin J. Cullen, director of the Greenebaum Cancer Center at University of Maryland and senior author of the new study, in the September issue of Cancer Prevention Research.

The gap between white and African American patients has often been explained as a result of late diagnosis among African-Americans, lack of access to care and less aggressive treatment, but experts said that in the case of oropharyngeal cancer, there appeared to be distinct biological differences between the tumors.

This suggests that the racial gap in survival for this particular cancer may trace back to social and cultural differences between blacks and whites, including different sexual practices, experts said.   At a briefing for reporters, leading cancer experts called the new report a landmark paper that would transform the treatment of oropharyngeal cancers and challenge doctors to develop new treatment options for patients with HPV-negative tumors.

Critical Illness Insurance Trade Organization Established

A new professional insurance trade organization has been established to increase the number of insurance and financial professionals successfully marketing critical illness insurance protection.  The new organization, the American Association for Critical Illness Insurance  (AACII), was founded by Jesse Slome, founder and executive director of the American Association for Long-Term Care Insurance.

 "There is an enormous opportunity in the United States for sale of quality critical illness products," states Slome, who will direct the new association.  "Our initial focus will be on creating heightened awareness among professionals and support their efforts to successfully market and sell this important protection."  The new producer-focused association will work closely with the National Association for Critical Illness Insurance (NACII), which promotes industry policy, industry education and industry position.  

"We look forward to supporting the efforts of the new organization, recognizing the enormous contribution to long-term care insurance marketplace Slome's organization has provided," expressed Ken Smith, NACII President and Director of Health Insurance for Assurity Life Insurance Company.

 The American Association for Critical Illness Insurance will be headquartered in Los Angeles.  For further information, visit their Website: or call (818) 597-3205.