Life Insurance With No Physical, No Medical, No Exam, No Health Check

Looking for life insurance with no physical required? Some people choose non medical life insurance because they simply don’t have the time or the inclination to go through the rigors of a full medical examination. Others make this decision simply because they don’t like to go to the doctor. Fortunately policies are issued in fairly large amounts today without the necessity of a medical exam.

Insurance carriers always have issued life insurance with no physical required but mostly at younger ages and in smaller amounts. Today you can get larger amounts of coverage at older ages, no medical exam required. Here are some of the reasons why.

People Take Better Care Of Their Health

People tend today to take better care of their bodies. We live in an age where access to medical information is easily accessible. Because of this the public is more aware than ever before of the behavioral and eating habits that are likely to shorten ones life. The insurance companies know this and therefore are willing to issue policies at older ages to apparently healthy people. They do need to answer a few health questions though.

Medical Science Advancements

People that would normally die 30 or 40 years ago from certain ailments are enjoying productive lives with treatment today. Diseases that were considered death sentence diseases are no longer seen in that light.

Easy Access To Information

Life insurance carriers used to send out an inspector to to investigate each person who applied for a policy whether or not a medical was done. This was, in some cases, quite a costly undertaking. You will appreciate that they were committing to what can only be quantified as excessive risk. The applicant pays a small premium but the company has to pay a large sum if this person dies. The risk still exists in similar situations but most of the information required to approve issuance of a policy is accessible by computer.

Because of these things larger life insurance with no physical policies are being issued. Many companies will issue policies up to age 65. A few issue policies to older people. The amounts are limited to $250,000, $500,000 or even $1,000,000 in some cases. Younger people may even get more than that.

The beauty about the whole thing is that life insurance with no physical policies can even be bought online. You complete the application, get an approval in as little as 15 minutes and print out your policy there and then. You don’t need to even see an agent.

It is important that the applicant be truthful when applying for life insurance with no physical exam required. These insurance carriers are very thorough and are likely to uncover any hidden information that may prevent the approval of an application.

The policies issued online are referred to as no physical term life insurance. The favored ones are the 5 year term life policy, 10 year term life policy, the 20 year term life policy and the 30 year term life policy.

As we look ahead things can only get better. With even greater progressive strides in medical science and more easy access to information online it is quite possible that even larger term life insurance with no medical exam required policies will become available online.

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Medical Jobs – Top Ten Job Searches

Top ten hottest medical jobs, training requirements, and the reasons people are running to the medical industry.

1 – Registered Nurse
2 – Home Health Aid
3 – Medical Assistant
4 – Pharmacy Technician
5 – Medical Secretary
6 – Dental Assistant
7 – Healthcare Administrator
8 – Medical Records and Health Information Technician
9 – Physical Therapist
10 – EMT and Paramedic

Registered Nurses – Registered Nurse jobs make up 2.5 million of the medical industry jobs today.

Education And Training: Approved nursing program diploma, an associate degree, or bachelor’s degree.

Home Health Aid – Skill requirements and rate of pay are both low, but, these jobs are expected to have rapid growth due to the home health care industry getting larger.

Education And Training: Most Home Health Aids receive on the job training although, “The National Association for Home Care and Hospice” (NAHC) offers certification for personal and home care aides.

Medical Assistant – Medical Assistant jobs are suppose to be one of the fastest growing jobs over this next decade.

Education And Training: Formal training is not always required. Most Medical Assistants receive on the job training. Some college’s and junior college’s offer certificate programs for medical assistants.

Pharmacy Technician – Pharmacy Technician jobs are expected to be good for those who are certified.

Education And Training: Most Pharmacy Technicians receive on the job training, although certification is available and favored.

Medical Secretary – Secretaries and administrative assistants made up for about 4.2 billion jobs in 2006. It’s expected that medical secretary jobs will keep growing along with the medical industry.

Education And Training: Most secretaries are armed with a high school diploma, and take courses as needed. Medical and legal secretaries need special courses.

Dental Assistant – Job opportunities look great for the feature. The dental industry has seen huge growth and expects to see much more.

Education And Training: While many Dental Assistants are trained on the job many receive training via community colleges, trade schools, technical institutes, or the Armed Forces. Some States require licensure or registration, which may include passing a written or practical examination.

Healthcare Administrator – Job opportunities will be great, especially for applicants with work experience in health care and strong business and management skills.

Education And Training: On-the-job experience may substitute for formal education although most jobs require a masters, or will take a bachelors degree.

Medical Records and Health Information Technician – Jobs are expected to increase faster then average.

Education And Training: Most enter the field with an associates degree.

Physical Therapist – There is an above average outlook for a career as a Physical Therapist. About 6 out of 10 physical therapists work in hospitals.

Education And Training: A master’s degree from an accredited physical therapy program is the minimum level of education for a person looking for a career as a physical therapist.

EMT and Paramedic: Positions are expected to become available fast due to paid positions taking place of unpaid volunteers.

Education And Training: You must have a high school diploma, and obtain training and certification to become a EMT/Paramedic.

This medical jobs overview is for the millions of job seekers that are looking for new stable career options, as we enter into the next century. Also, my heart goes out to the millions of men and woman of the United States who have recently become displaced from their work place, due to these harsh economical times. Good luck on your job quests and God Bless.

Most of the statistics used in this article where obtained from The US Bureau of Labor Statistics (BLS).

About the DoT Physical and Medical Qualification for Truck Drivers

Truck driving is a physically demanding profession. In fact, the general health and fitness of a trucker are not only essential for him to perform his job properly but are also crucial for others’ lives on the road.

It is because of this liability that the Department of Transportation (DoT) has made it mandatory that commercial transportation drivers meet certain physical and medical criteria. Only after meeting this criteria can a potential trucker obtain the Medical Examiner’s Certificate from the DoT which allows him or her to drive trucks or trailers on the roads of America.

The following are the physical and medical qualifications for truckers as laid down by the DoT:

  • A driver must have 20/40 correctable vision in both eyes. This means that he or she may wear glasses or contact lenses to correct impaired vision.
  • A driver must not be an insulin-dependent (type 2) diabetic. However, he or she may be under oral medication or follow dietary regulations to control the condition.
  • A driver must have a blood pressure reading, with or without prescription medication, of 140-159/90-99 to obtain a 1-year certificate and 160-179/100-109 for a 3-month temporary certificate. A blood pressure reading that is more than 180/110 is not accepted by the Department of Transportation.
  • A driver must have a blood sugar level that is less than 200 mmol/L.

As per the DoT physical and medical qualifications for truckers, a driver is required to provide the report of a stress test performed within the past 12 months if he or she has recently been diagnosed with any form of cardiovascular disease. Furthermore, a driver is liable to be disqualified if he or she has had a back injury recently, is recuperating from a major surgery, or suffers from hernia or sleep apnea.

DoT physical and medical qualifications for truck drivers also make it mandatory that truckers be subject to regular drug screenings all throughout their truck driving careers.

Aspiring truckers should ideally obtain a doctor’s certificate proving that they fulfill all DoT physical and medical qualifications for truck drivers before enrolling in a truck driver training program, however if you are confident that you meet these physical and medical criteria, you can always go through truck driver training and get your check up when applying for your first truck driving job.

Medical qualifications are just a small part of the requirements for becoming a truck driver.

Stop Fighting Anxiety With Medication

What do I mean by this title? Do I mean that you should use medication and stop fighting anxiety or that you should stop using medication as a treatment of anxiety? Well, just like with anxiety, the answer isn’t simple and it isn’t black or white. Plenty has been written elsewhere about the different kinds of medication available for help in coping with panic and anxiety and if you’re reading this, then I’m sure you’ve done your research, so I’m not going to go into that here. What I want to talk about are some of the possible consequences of relying solely on medication as a response to any anxiety disorder.

The first thing to make clear is that medication does not provide a cure for either anxiety or panic attacks. What it does is provide relief of symptoms…..that’s all and once you stop the medication, the symptoms will return.
Here are some of the things to bear in mind when considering medication for anxiety and panic attacks are:

What are the possible side effects?

* Addictive/habit forming

* Memory loss

* Impaired concentration with consequent risk of accident

* Drowsiness or lethargy

* Clumsiness or impaired motor control

* Slow or slurred speech

* Low mood or depression

* Impaired thinking or judgment

* Dizziness or lightheadedness

* Dry mouth and/or blurred vision

* Emotional blunting

Another aspect to consider when when discussing treatment of anxiety with your doctor are paradoxical effects. This is when the medication can cause changes in mood and affect that actually make the condition worse. The most usual paradoxical effects to look for are:

* Increased anxiety

* Irritability and short temper

* Physical restlessness and psychological agitation

* Vivid and unpleasant dreams

Less common but more serious effects can include:

* Impulsive/dangerous behaviour

* Aggressive/violent behaviour

* Mania

I must emphasize that these reactions are possible but very rare, with the young and elderly age groups being the most at risk. Most of these possible effects are associated with benzodiazepine use. These include such names as, Valium, Ativan, Mogadon, Xanax and so on. The prescribing of anti-depressants in the treatment of anxiety generally have fewer psychological side effects and and are considered safer, though more subtly effective. They are also not associated with the risk of dependence, unlike the benodiazepines (more commonly known as tranquillizers).

What are the risks of dependence to tranquillizers?

If you misuse tranquillizers you will become dependent

Dependence on a substance can come in two forms, physical and psychological.

Physical dependence occurs when the body develops a tolerance to a substance and responds negatively to it’s withdrawal. This is caused when the body adapts to a substance and changes take place in the central nervous system and brain. Another aspect of this tolerance to a drug is that stronger and stronger doses are required to achieve the same result.

A simple way of understanding psychological dependence to a substance is that the person believes they need it in order to cope, that they would “fall over” mentally, without it. In other words, a crutch.

Unfortunately tranquillizers get you both ways. Depending on which form of benzodiazepine you are taking, physical dependence can begin in as short a time as 2 weeks, depending on dose, frequency of use and physiology. The longer the medication is used for, the harder it is to withdraw from. It is not uncommon for people to gradually increase their dose (against medical advice) because as they become more tolerant of the drug, so they need a higher dose to get the same effect. As physical dependency increases, so the person will start to experience withdrawal symptoms as the drug is broken down in the body.

Symptoms of tranquillizer withdrawal include:

* agitation/irritability

* insomnia

* sweating/trembling

* sensitivity to light/noise

* poor concentration

* preoccupation with symptoms

* headache

* palpitations

And there you have it, all symptoms associated with anxiety and impending panic attack caused by withdrawal from your medication. So the dependency cycle begins. As these withdrawal symptoms begin, the only way to stop them getting worse is to take more medication and that feeling of being out of control of your life gets deeper and you will feel more and more helpless. This is where psychological dependency begins and it is awful. As this is such an important part of anxiety management I am going to talk about it in a separate article, which I will be writing soon.

If you believe you have developed a physical dependency to tranquillizers and wish to come off them, you must seek medical advice and supervision. I cannot say this strongly enough, never try to detox on your own. It is very painful and dangerous and in extreme cases can lead to seizures/fitting or even death. Don’t do it!

I have tried to give a brief overview of this aspect of anxiety and medication. It is meant only as an information resource. If you are thinking of using medication for symptomatic relief of anxiety and/or panic attacks you should always discus this with your doctor and not take advice from friends or attempt to self medicate. I’m not sorry if this sounds preachy, I’ve spent 20 years helping people withdraw from drugs and it is never easy and never something to be attempted alone.

Thank you for taking the time to read my article. I hope you have found something of use to you here. If you would like to know more about fighting anxiety or about me, then please check out my website at or I can be reached on: [email protected]

Thanks again
Simon Fox

Gain Valuable Knowledge and Experience With Physical Therapy Travel Jobs

If you have qualifications in physical therapy, critical care nursing, speech pathology, or other specialized fields in the medical profession, there are exciting travel jobs all over the United States waiting for you! Physical therapy helps children and adults who have suffered from injury or illness lead better quality of lives through regaining or improving movement of limbs and body functionality, which may have been lost as a result of these factors. You can make a difference in these and more peoples’ lives. As a physical therapist you play a vital role in the medical profession, and we believe your skills and those of other therapists deserve quality employment positions with the best benefits possible.

Many travel therapy companies offer physical therapy travel jobs that have excellent remuneration and benefits. Inquire further for specific salary and benefit opportunities. To begin the process of becoming a travel physical therapist, many travel therapy companies simply request that you complete a short application form online listing your skills, after that, you will be able to browse thousands of job listings to suit your field and needs.

High paying physical therapy jobs are available at many prestigious medical institutions and at private clinics where you can provide your vital services to help people lead normal lives again. Live in new, exciting locations that add experience to your profession while you explore different cultures and make new friends. Travel therapy companies can serve as the liaison between qualified staff looking for prime physical therapy jobs and available positions at specialty schools, medical colleges, hospital clinics, and private therapy institutions.

The experience and knowledge that is gained by working in different environments helps you further your own career and abilities, while broadening your horizons and allowing you to learn about different cultures and environments.