Benefit Information For Virginia Citizens Only

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You may qualify for a state-regulated program to pay for your final expenses. It is important you know how to qualify for this life insurance benefit available to you. This benefit will pay for 100% of all funeral expenses up to $35,000. This payment is tax free for Virginia residents. You are entitled to receive no-cost information as a resident of Virginia. IMPORTANT – Return this postage paid card within 5 days.

You or one of your senior parents may have received one of these post cards in the mail. It’s not a scam. It may have come from one of many outreach programs that I use to reach senior citizens here in the Commonwealth of Virginia that need state regulated final expense life insurance programs and burial plans.

Many seniors that receive these cards do not have a dedicated amount of money that can be used to pay for their funeral or final expenses. It’s possible they’ve recently checked into the pricing on what they currently have and want to see if they can find more benefits than what they currently have in place. Or they might want to leave behind a legacy like income for a surviving spouse, money for grandkids, or to a charitable organization or church.

Not in Virginia? We have Agents across the USA and several carriers take applications over the phone using voice signature technology.

These programs have the following guarantees

1. First Day Coverage. You are fully protected the very first day your coverage goes into effect with no exclusions and no waiting period.
2. Ease of issue. No physical exams.
3. Your premiums will never go up. Lock into a rate at your current age and the cost will never increase regardless of changes to your health and age.
4. You benefits will never go down. Regardless of changes to your health and age.
5. All programs build cash values.
6. The benefit is paid to your beneficiary tax free on the worst week of their life.
7. Your policy can never be cancelled as long as premium payments are made.
8. This is a protected asset that you will never be forced to liquidate.

Seniors looking for state regulated final expense life insurance and burial plans often have medical impairments and conditions that may raise the cost of these benefits. I keep track of these medical impairments and conditions and contract with several carriers so I can find the most benefits for the amount of money that you spend.

Medical Impairments and Conditions

Activities of Daily Living

Assistance with Activities of Daily Living – The activities of daily living include feeding yourself, bathing yourself, walking around or mobility, taking your medications without assistance, and going to the restroom without assistance.

Age

Most Final Expense carriers cover ages 50-85 but some provide coverage outside the normal limits.

Alcoholism/Drug Abuse

A physical and mental dependence on alcohol, sometimes resulting in chronic disease and the loss of interpersonal, family and work relationships. Continued daily use can result in permanent damage to the liver (cirrhosis). Other long term effects include: anemia, internal bleeding, impaired thinking, confusion, coma, multiple cancers, and premature death.

Symptoms: Weakness, impaired thinking, poor decision making, depression, separation from family.
Treatment: A history and physical exam will be performed along with other tests which may include: a complete blood count, liver function tests, blood sugar, and electrolytes. Treatment includes individual and/or group counseling (such as AA), talk therapy, and/or medications.

Alzheimer’s/Dementia

The most common form of dementia. Dementia is a brain disorder that affects memory. In its more severe stages, the disease prevents people from performing their daily activities, recognizing their family and friends, and from understanding speech or speaking. It is a devastating disease that becomes worse with time and can progress rapidly in some individuals. In addition, early identification enables families to prepare for the progression of the symptoms and arrange appropriate supportive servicesf. The disorder is more common in older patients although it is not part of normal aging. The likelihood of acquiring the disorder is also increased with a family history of Alzheimer’s, long standing hypertension and previous head trauma.

Symptoms: The beginning of symptoms is usually gradual and progressively worsens. In some the symptoms become worse rapidly. Symptoms include memory problems, inability to perform routine tasks, problems remembering people, change in personality, problems speaking, and behavior changes.

Treatment: Unfortunately there are no medications that have been shown to slow the progression of the disease. Some medications can improve the daily functioning of the patient. These include: donepezil (Aricept), rivastigmine (Exelon), galantamine (Reminyl) and memantine (Namenda). Simplifying the patient’s daily routine can be helpful. As the disease progresses it is important to provide support for the patient and families through caregivers and support groups.

Amputation Due to Disease

A surgical procedure to remove part or all of a limb or appendage. Some reasons for amputation include: peripheral artery disease, long standing diabetes, severe traumatic damage to the limb, cancer and persistent infection despite antibiotics.

Possible Complications: Infection and pain. Rarely a patient continues to feel pain in the removed limb (phantom limb pain). The surgery can result in post-operative pain, infection or blood clots of the legs (deep vein thrombosis) or lungs (pulmonary embolus). Patients can infrequently have bad reactions to the general anesthesia including allergic reactions and very rarely a heart attack or stroke.

Aneurysm

An arterial expansion in the cavernous sinus. The cavernous sinus is one of the venous channels draining blood away from the brain. The carotid artery and cranial nerves pass through this sinus. The cavernous sinus is located at the base of the skull, behind the eyes. An aneurysm (arterial expansion) in the sinus can cause visual problems and headache; if it ruptures, the affected individual may have a red, bulging eye.
Symptoms: Headache, visual problems, seizures, weakness.

Treatment: Treatment may not be necessary but if enlarging or causing symptoms, surgery and/or catheter embolization may be recommended.

Angina

Characterized by spasms of the coronary (heart) arteries causing decreased blood flow. The lack of blood causes chest pain and can result in a heart attack. In this condition the patient’s coronary arteries do not have any fixed blockages (such as cholesterol plaques). Certain drugs or medications (cocaine, ergotamine) can trigger the events. Most events occur without a known trigger.

Symptoms: Chest pain at rest that occurs in cycles, shortness of breath, sweats, nausea.

Treatment: Prinzmetal angina typically responds to medications including “nitrates” and “calcium channel blockers”.

Angioplasty

A narrowing of the aorta, the large blood vessel that travels out of the heart delivering oxygen-rich blood to the body. This narrowing is usually located near where the aorta attaches to the heart. The heart has to work harder to pump blood through this narrowing. The symptoms experienced depend on the extent of the aorta narrowing and how long the condition has been present. This is a congenital abnormality and male infants are twice as likely to be born with this condition as females. Some patients with this disease will have other congenital heart defects as well.

Symptoms: Chest pain, shortness of breath, pounding headache, cold feet, elevated blood pressure with exercise, shortness of breath with exertion.

Treatment: Treatment usually involves surgical repair, but at times balloon angioplasty can be performed. Mild coarctation may not require surgery or angioplasty.

Bronchitis (Chronic)

Inflammation of the mucous membrane of the bronchi. The bronchi are the tubes that carry air through the lungs. Bronchitis can be acute or chronic. Acute bronchitis is usually caused by a virus. Chronic bronchitis occurs most often in current or former smokers.

Symptoms: Cough, sputum production (usually colored), blood tinged sputum, shortness of breath, wheezing, chest pain, fever.

Treatment: Main treatment is inhaled bronchodilators (albuterol, ipratropium). Other treatments may include: antibiotics, corticosteroids and/or oxygen depending on the severity and cause.

Cancer

Cancer is characterized by an abnormal growth and spread of cells. Cancer is not a single disease. It can affect virtually any organ or tissue in the body. Its aggressiveness is highly variable, ranging from aggressive and rapidly life-threatening to slow-growing with little impact on the health of the organ or tissue.

Symptoms: Symptoms depend on the location and severity of the cancer. The most common are fatigue, bloody stool, a change in bowel or urinary habits, vomiting, unexplained weight loss, a breast lump and breathing problems. Cancer may cause no symptoms, especially early in the disease.

Treatment: Treatment depends on the location and extent of the cancer and may include: surgery, radiation therapy, hormone treatments and/or chemotherapy.

Congestive Heart Failure (CHF)

The heart pumps blood through the arteries and veins. With congestive heart failure, the pumping force of the heart is reduced. Left sided heart failure results in fluid backing up into the lungs causing breathing problems, and right sided heart failure produces fluid in the legs (edema) and the abdomen (ascites). Congestive heart failure (CHF) can have many causes with the most common being high blood pressure (hypertension), heart attacks, viral heart infections (myocarditis), congenital heart defects, and valvular heart disease. Patients with known CHF can experience worsening symptoms if they eat too much salt, stop taking their medications or have another co-existing illness such as pneumonia.

Symptoms: The heart pumps blood through the arteries and veins. With congestive heart failure, the pumping force of the heart is reduced. Left sided heart failure results in fluid backing up into the lungs causing breathing problems, and right sided heart failure produces fluid in the legs (edema) and the abdomen (ascites). Congestive heart failure (CHF) can have many causes with the most common being high blood pressure (hypertension), heart attacks, viral heart infections (myocarditis), congenital heart defects, and valvular heart disease. Patients with known CHF can experience worsening symptoms if they eat too much salt, stop taking their medications or have another co-existing illness such as pneumonia.

Treatment: Therapy depends on the extent of the disease and the severity of the symptoms. Treatment includes: controlling the blood pressure and reducing the work of the heart with blood pressure medications, increasing the urine output with diuretics, and maximizing oxygen with supplemental oxygen. Reversing the cause of the CHF exacerbation is essential to recovery. For severe cases that do not improve with standard medications, heart transplant may be recommended.

Chronic Obstructive Pulmonary Disease (COPD)

A disorder that results in chronic blockage of the airways of the lungs. The two most common types of chronic obstructive pulmonary disease (COPD) are emphysema and chronic bronchitis. The primary cause is smoking although not all patients who smoke get COPD. The extent of disease and symptoms experienced can vary widely.
Symptoms: Shortness of breath, cough, cough with colored sputum, chest pain, wheezing, fatigue, bluish discoloration of skin.

Treatment: Treatment depends of the severity of symptoms but may include: bronchodilators (such as albuterol or Atrovent), steroids, and/or antibiotics. Surgery to remove portions of severely affected lung and/or a lung transplant may be necessary for severe involvement.

Cirrhosis (Liver Disease)

A liver disease that persists over a long period of time, resulting in a progressive destruction of the liver. Normal liver function is essential for many reasons, including its production of blood clotting factors and its role in detoxifying the blood. In the end stages patients experience excessive bleeding, and can become confused. There are many causes with alcohol and viral infections being the most common. Hepatitis B and C are the most common viral infections related to this disorder. Less common causes of cirrhosis include autoimmune diseases, medications, hemochromatosis and Wilson’s disease.

Symptoms: Abdominal pain, abdominal bloating, easy bleeding, vomiting, confusion, yellowing skin, weakness.
Treatment: Treatment depends on the cause of the liver failure and the extent of the liver failure but may include: diuretics for fluid overload, lactulose for confusion, blood products or vitamin K for bleeding, and/or antibiotics for infection.

Cystic Fibrosis

An inherited disease that affects the cells that make mucous, sweat and digestive juices. The disorder causes thick, sticky mucus to build up in the lungs and digestive tract. It is one of the most common chronic lung diseases in children and affects 1 in 3000 people. Before modern treatments were available, it was common for affected children to die during their teenage years. However, early identification and better treatment has allowed many people with this disease to live well into adulthood and beyond 50. Most patients die from lung infections and lung failure.

Symptoms: Delayed growth, poor weight gain, abdominal pain, abdominal bloating, nausea, vomiting, no bowel movements in the first days of life, foul smelling fatty stools, excess fat in stool (steatorrhea), cough, increased mucus in the sputum, nasal congestion, wheezing, repeated lung infection, repeated sinus infection.
Treatment: Early detection and aggressive treatment can significantly extend a patient’s life. Treatment includes antibiotics for sinus and lung infections and some patients take these medications all the time to help prevent recurrent infections. Other medications include bronchodilators, and mucus thinning drugs. Nutritional supplements and pancreatic enzymes can help reduce some of the nutritional deficiencies experienced. Chest percussion can help break up the mucus and prevent lung collapse and damage. In the most severe cases, lung transplant and intestinal surgery are required.

Diabetes

A chronic disease of metabolism distinguished by the body’s inability to produce enough insulin, and/or a resistance to the insulin being made. Insulin is necessary for body cells to transport sugar into the cells and to process carbohydrates, fat, and protein efficiently. Patients with diabetes have too much glucose in their circulation causing damage to almost every organ in their body. There are three types of diabetes: Type 1 is usually found in younger patients and requires insulin, Type 2 develops later in life and is more commonly associated with obesity, and gestational diabetes is associated with pregnancy.

Symptoms: Increased urination, increased drinking of fluids, increased appetite, nausea, fatigue, blurry vision, numbness or tingling in the feet.

Treatment: Type 1 diabetes requires supplemental insulin either as an injection or as an intermittent continuous infusion delivered from an insulin pump. The insulin doses required are dependent on glucose measurements performed during the day. Sometimes, type 2 diabetes can be controlled with weight loss, dietary discretion and exercise. Type 2 diabetes often requires oral hypoglycemic medications and may also require insulin.

Diabetic Coma (Previous)

Occurs when there is not enough circulating insulin. This lack of insulin causes elevated glucose levels in the blood and forces the body to breakdown body fats for energy. This results in a buildup of ketones. The increased ketones increases the acidity of the blood and when severe can result in coma and death. This disorder is also called diabetic ketoacidosis (DKA) and is most often associated with diabetes type 1. The most common causes of DKA are not taking the correct amounts of insulin and a secondary stress to the body such as an infection, surgery or trauma.

Symptoms: Fatigue, frequent urination, increased thirst, fruity breath odor, confusion, coma, muscle stiffness or aching, nausea, vomiting, rapid breathing, shortness of breath.

Treatment: Intravenous fluids and insulin are the mainstays of therapy. Correction of metabolic abnormalities such as low sodium or potassium is necessary as well. Treatment of the cause of the DKA must also be reversed.

Drug or Alcohol Abuse or Treatments

A pattern of drinking alcohol (ethanol) that leads to physical harm and/or harm to interpersonal, family or work relationships.

Symptoms: Confusion, depression, poor functioning, separation from family.

Treatment: Treatment includes talk therapy, medications, and/or counseling. Alcohol and Drug Helpline: (800)821-4357 Alcoholics-Anonymous (888)425-2666.

Heart Attack

Damage or death of heart muscle caused by a blockage of an artery (coronary artery) that supplies blood to a part of the heart. Symptoms can vary widely and can be atypical in the elderly, diabetics and women. The most common cause of the blockage is buildup of fat and calcium in the arteries that supply blood to the heart muscle (atherosclerosis). Conditions such as high blood pressure, high cholesterol, smoking, family history of heart attacks and diabetes can all increase the chances of having a heart attack. Rapid treatment reduces, but does not eliminate, the risk of death. Longer term consequences of having had a heart attack include heart failure and stroke.

Symptoms: Chest pain (typically described as squeezing, crushing, or band like), some people may have little or no chest pain (elderly, diabetics, or women). Other symptoms include: jaw pain, arm pain, back pain, abdominal pain, shortness of breath, sweating, nausea, vomiting, apprehension, fainting, dizziness.

Treatment: Treatment is aimed at improving the blood flow to the heart, treating life threatening arrhythmias, and maximizing the heart function. During a heart attack, clot busting medications (alteplase/t-PA) often are used to break apart the blood clot that has stopped blood flow to one part of the heart. In people with angina (and sometimes in people having heart attacks), coronary (heart) artery blockages are reduced by the following: balloon angioplasty, stent placement, surgical bypass, blood thinners and/or anti-platelet medications (aspirin, abciximab/ReoPro, eptifibatide/Integrilin, clopidogrel/Plavix). When arrhythmias are present they are treated with medications (amiodarone), cardioversion or a pacemaker. Medications for blood pressure and cholesterol (statins) are also frequently used.

Sickle Cell Anemia

A disorder that causes abnormal red blood cells, and these cells can clog blood vessels. Sickle cell disease is the most common of the inherited blood disorders, and is seen primarily in black Americans and black Africans. A sickle cell crisis causes pain because blood vessels become blocked and the defective red blood cells can damage organs in the body. The most commonly affected organs include: lungs, liver, bone, muscles, brain, spleen, penis, eyes, and kidneys. Patients also experience chronic anemia.

Stroke

A sudden interruption of blood flow to a portion of the brain causing injury. Some strokes are associated with bleeding into the damaged area. Most strokes are caused by a blocked artery in the brain from hardening of the arteries (atherosclerosis) or from a blood clot that travels from another area (embolus). The symptoms experienced depend on the artery blocked. Survival and the best outcome depend on seeking medical care immediately. Also known as a stroke.

Symptoms: Weakness of an arm, leg, side of the face, or any part of the body. Numbness, decreased sensation, vision changes, slurred speech, inability to speak, inability to understand speech, difficulty reading or writing, swallowing difficulty, drooling, loss of memory, vertigo (spinning sensation), loss of balance or coordination, personality changes, mood changes (depression, apathy), drowsiness, lethargy, or loss of consciousness, uncontrollable eye movements, double vision, nausea, vomiting.

Treatment: A stroke is a medical emergency. Therapy depends on the size of the stroke, its location in the brain, the medications the patient is taking, how long the symptoms have been present and other associated diseases. Treatment may include: blood pressure medication, anti-platelet medications (aspirin, clopidogrel/Plavix), anticoagulants (heparin, enoxaparin, warfarin), thrombolysis (tissue plasminogen activator/t-PA), intravascular thrombolysis, physical therapy, speech therapy, and/or occupational therapy. Blood pressure and cholesterol medications are usually recommended to reduce the risk of recurrence.

Hepatitis C

A liver disease that persists over a long period of time, potentially resulting in a progressive destruction of the liver. In the end stages patients may have problems clotting their blood, and can become confused. There are many causes with longstanding alcohol abuse and viral infections being the most common.

Symptoms: Abdominal pain, abdominal bloating, easy bleeding, vomiting, confusion, yellowing skin, weakness.
Treatment: Treatment depends on the cause of the liver failure and the extent of the liver failure but may include: diuretics for fluid overload, lactulose for confusion, blood products or vitamin K for bleeding, and/or antibiotics for infection. A surgical procedure, called transjugular intrahepatic portosystemic shunt (TIPS) or liver transplant may be recommended.

High Blood Pressure

A termed used for high blood pressure. There are two numbers with the first number representing the systolic pressure (normal less than 140) and the second number the diastolic (normal if less than 90). Hypertension usually causes no symptoms but is a major risk factor for a number of serious long term problems including heart attacks, stroke and kidney failure.

Symptoms: Usually none. If the level is very high the following may be experienced: chest pain, headache, shortness of breath, visual complaints, confusion.

Treatment: Treatment includes salt restriction, loss of excess weight, exercise and, in many cases, medications to reduce the pressure.

High Cholesterol

Elevated levels of cholesterol in the blood increases the risk of having narrowed arteries. The blockage is caused by a buildup of plaque and fat deposits (atherosclerosis). The diseases caused by this narrowing are dependent on the arteries being blocked but include: heart attacks, strokes, and peripheral vascular disease. People with elevated cholesterol also are likely to suffer from high blood pressure and diabetes. There are two types of cholesterol that make up the total level of cholesterol, LDL and HDL. LDL is considered bad cholesterol and HDL is good cholesterol. To know a patient’s true risk of disease the provider must send a blood test that measures both LDL and HDL. In general the LDL should be less than 130 mg/dL and anything greater than 160 mg/dL is considered too high. An HDL level lower than 40 mg/dL increases the risk of atherosclerosis. A person’s cholesterol level is determined in part by inheritance, and in part by the foods he or she eats. Improving one’s diet and/or medications can generally reduce the levels.

Symptoms: There are usually no symptoms related to having elevated cholesterol.

Treatment: Treatment depends on how high the LDL level is and if other risk factors for developing blockage of the arteries (atherosclerosis) are present. Eating healthy foods, exercising more, and losing weight can improve mild elevations of cholesterol. Other treatments include medications such as statins (atorvastatin/Lipitor, fluvastatin/Lescol, lovastatin/Altocor or Mevacor, pravastatin/Pravachol, rosuvastatin/Crestor, simvastatin/Zocor), bile acid binding drugs (cholestyramine/Prevalite or Questran, colesevelam/Welchol, colestipol/Colestid), cholesterol absorption inhibitors (ezetimibe/Zetia) and combination drugs (ezetimibe-simvastatin/Vytorin).

Irregular Heart Rhythm (Atrial Fibrillation)

Normal rhythmic contractions of the upper chambers of the heart (atria) are replaced by rapid irregular twitching of the muscular wall. The lower chambers of the heart (ventricles) respond irregularly causing an irregular and usually rapid heart rate. Atrial fibrillation may come and go (paroxysmal atrial fibrillation) or persist (chronic atrial fibrillation. Atrial fibrillation is common, especially in older people. The main causes of this disorder include mitral valve disease, high blood pressure, heart failure, excessive alcohol use, an overactive thyroid, stimulants (cocaine, methamphetamines), and stress from other illnesses.

Symptoms: Palpitations, racing heart, light-headedness, shortness of breath, fainting, chest pain, anxiety.
Treatment: Electrolyte abnormalities are corrected and oxygen is given if needed. The heart rate is slowed by administering medications such as calcium channel blockers (diltiazem, verapamil), beta-blockers (metoprolol, esmolol), or digoxin. Anticoagulants are given for persistent atrial fibrillation to prevent stroke. When appropriate chemical or electrical cardioversion is performed to restore the normal rhythm.

BiPolar Disorder

A psychiatric disease characterized by a distorted interpretation of reality resulting in hallucinations, delusions, and disordered thinking and behavior. Contrary to belief it does not mean a split personality. Untreated, the disease can cause severe emotional, behavioral, health, and legal and financial problems. Lifelong treatment is needed, and can enable many patients to live normal productive lives. This is a serious mental disorder with about 10% of patients committing suicide. The disease usually first appears in the teenage years.

Symptoms: Symptoms typically begin gradually and worsen with time and include: trouble sleeping, trouble concentrating, withdrawing from family and friends, bizarre motor behavior in which there is less reaction to the environment (catatonic behavior), false beliefs or thoughts (delusions), hearing voices, seeing things (hallucinations), thoughts race between unrelated topics (disordered thinking).

Treatment: Treatment depends on the severity of symptoms but may include: antipsychotic medications (haloperidol/Haldol, clozapine/Clozaril, risperidone/Risperdal, olanzapine/Zyprexa, quetiapine/Seroquel, ziprasidone/Geodon, aripiprazole/Abilify, paliperidone/Invega), psychiatric and psychologic counseling, and/or hospitalizations.

Schizophrenia

Schizophrenia is an altered sensory perception disorder with physical and psychological changes that affect brain functioning, behavior patterns, and all five senses. In the United States, approximately 2.4 million adults have schizophrenia. It is the most chronic and disabling of the severe mental illnesses. People with schizophrenia often experience frightening symptoms, such as hearing internal voices (hallucinations) or believing that others are controlling their thoughts or plotting to harm them (delusions).

Symptoms: Two or more of the following signs and symptoms must be present for at least 1 month, allowing for a significant amount of time for the diagnosis of schizophrenia to be made. The signs and symptoms are classified as both positive, those that are excessive or distortions of normal functions, and negative, those that reflect a loss of or decrease in normal functions. Positive symptoms include hallucinations, delusions, and disorganized speech; negative symptoms include flat affect, alogia (inability to speak owing to a mental condition or symptoms of dementia), attention deficit, and avolition (decreased motivation).

Treatment: Treatment includes psychotropic medications, psychotherapy, and counseling. Newer medications, called atypical anti-psychotics, are effective in the treatment of psychosis, including hallucinations and delusions. Medication levels and dosages must be carefully monitored every 3 to 4 weeks. Long- term psychotherapy may be needed.

Multiple Sclerosis

An autoimmune disorder of the central nervous system (brain and spinal cord). Nerve cells normally are surrounded by an insulating sheath made of a fatty substance called myelin that helps to transmit nerve impulses. In MS, this myelin sheath is inflamed or damaged. This disrupts or slows nerve impulses and causes nerves to malfunction. Scarring (sclerosis) occurs in the white matter of the brain and spinal cord. These areas of myelin damage and scarring are called MS plaques. The disease periodically flares up with episodes of increased symptoms. The disease can be mild, and non-progressive disease, can slowly get worse, or get worse rapidly. It is slightly more common in women between the ages of 20 to 40.

Symptoms: Symptoms vary widely. They may come and go or remain permanently. Symptoms include impaired vision, numbness, weakness, decreased coordination, poor balance, halting speech, muscle spasms (especially in the legs), muscle spasticity, impaired bladder function.

Treatment: There is no definitive cure, but new treatments can help slow the progression of the disease. Medications that alter the immune response include: immune modulators such as interferon (Avonex, Betaseron, or Rebif), monoclonal antibodies (Tysabri), and glatiramer acetate (Copaxone). Short courses of a corticosteroid (prednisone) can decrease the severity of attacks. Medicines to reduce muscle spasms include baclofen (Lioresal), tizanidine (Zanaflex), or a benzodiazepine such as diazepam (Valium).

Seizures Neurological Disorders

There are many different types of seizures. The most common is called a generalized seizure. It has also been called a tonic-clonic or grand mal seizure. Other types of seizures include petit mal seizures, partial (focal) seizures, febrile seizures and alcohol withdrawal seizures. A person may have a single seizure or repetitive seizures. People with recurrent seizures or at risk for recurrent seizures have epilepsy. A seizure results from an abnormal electrical discharge in the brain. Seizures can occur for many reasons, such as a head injury, an infection, a metabolic problem (for example, low blood sugar), a tumor, or drug use. Often the exact reason for seizures is not found.

Symptoms: Symptoms vary depending on the type of seizure. There is a period of decreased consciousness that might only appear as a short staring spell (petit mal seizure). Or the loss of consciousness may be associated with uncontrollable shaking of the arms and legs, loss of control of urine and stool, followed by a period of confusion.

Treatment: Treatment depends on the circumstances of the seizure. If the seizure does not stop on its own anti-seizure medications will be emergently given since a prolonged seizure can cause brain damage. A blood glucose level should be immediately checked and corrected if low. If the patient’s anti-seizure medication level is low, he/she will be given more. If an infection is suspected antibiotics or anti-viral medications may be administered.

Stent (Heart Stent)

A medical device placed inside a blood vessel to hold it open after it is expanded. It is commonly used for keeping coronary arteries open after angioplasty. Some of the coronary stents contain medications to help prevent the vessel from closing again (drug eluding stent). Stents are also used to hold open other narrowed structures, such as a ureters, bile ducts and pancreatic ducts.

Possible Complications: The artery with the stent can become blocked with the formation of a new blood clot or scar tissue. Rarely placement of a coronary stent can tear the artery requiring emergent surgery to bypass the vessel.

Trans Ischemic Attack (Mini Stroke)

A temporary decrease in the blood supply to some part of the brain. The affected part of the brain does not function properly, producing the symptoms observed. The syndrome looks similar to a stroke except the symptoms resolve quickly, usually within an hour. The most common causes of TIA are atherosclerosis and atrial fibrillation. These patients need a prompt work-up to identify and treat the cause of the TIA because of the high risk of stroke, especially within the first week after a TIA.

Symptoms: Sudden onset of weakness or numbness on one side of the face or body, slurred speech, inability to speak, transient visual loss in one eye, loss of balance, and/or lack of coordination.

Treatment: The goal is to prevent the development of a stroke. Specific treatment depends on what is causing the decreased blood flow to the brain and may include: platelet inhibitors (aspirin, clopidogrel/Plavix, aspirin/extended-release dipyridamole/Aggrenox), anti-coagulants (heparin, enoxaparin, warfarin, other oral anticoagulant drugs), and/or carotid artery surgery.

Top Final Expense and Burial Plan Carriers For the Commonwealth of Virginia

The top life insurance carriers that I use to provide these state regulated benefits across this wide array of medical conditions are the following:

Family Benefit Life Insurance Company
TransAmerica Life Insurance Company
Settlers Life Insurance Company
Gerber Life Insurance Company
Aetna Life Insurance Company
United Home Life Insurance Company
Americo Life Insurance Company
Security National Life Insurance Company
5 Star Life Insurance Company
Mutual of Omaha Life Insurance Company
Equitable Life Insurance Company
Foresters Life Insurance Company
Liberty Bankers Life Insurance Company
Oxford Life Insurance Company

With this great line up of life insurance companies I can provide the best benefits for the money spent regardless of the medical impairment or condition. To make sure you get the most death benefits for the dollar spent, be sure to visit us at Virginia Senior Benefits and Family Care.

Quick Tip: Complete the Instant Quotes form to receive an instant listing of carrier quotes – free – with no obligation. You can begin your free online research – right now…