How Does Life Insurance Work?

Whether in the middle of a midlife crisis and facing your mortality for the first time, or just worried about securing your family’s financial future, there are many reasons to consider picking up a life insurance policy at any age. If you’re in the market for a life insurance policy and want to know more about what it covers and how it works, read on.

Getting Quotes

If you’ve always wondered whether or not it’s time to get a life coverage policy, you can stop wondering now. The truth is, you need it. We all do. The reason for this is simple. Like it or not, everyone dies and we can’t always predict exactly when that will happen.

Many people put off getting life coverage because they don’t want to worry about the monthly payments, think they’re too young, or view themselves as healthy. Unfortunately, this can have devastating consequences for grieving family members. The average funeral costs between seven and ten thousand dollars in the United States and can put family members under extreme financial strain when their loved ones pass without coverage. In getting a policy while you’re young and healthy, you’ll be giving the gift of security to your family later on or in the event of your untimely death.

The best way to find out what life insurance is all about and how it can protect you and your family is to call for a quote from a licensed insurance sales agent. By calling a company like Big Lous Life Insurance, you’ll have the opportunity to learn not only the ins and outs of that insurance company but how life insurance works in general.

Learning the Ropes

The way life insurance works is pretty simple. Similar to the way you pay into health insurance and car insurance plans, life insurance policies come with a monthly payment that buys you security in the event of death the way other insurances would an accident or illness. Life insurance companies pay out money to your next of kin in the event of your natural or accidental death. They can cover anything from funeral expenses to even paying out money for your minor children’s educations depending on the level of coverage you decide to go with.

Many people don’t know this, but these policies can also pay you back before your death in the event of a terminal illness. Policies can be bought back and give you monthly payments at the end of life with lump-sum checks. When talking to an insurance agent about the coverage options that might work best for you and your family, ask about levels of coverage and what they include before making a final decision. The more thorough you are when signing up for life insurance coverage, the better it will help your family later on.

Asking Important Questions

If you’ve ever wondered about things like what’s an inheritance loan or who are my next of kin, you’ll want to spend more time with your potential insurance agent or doing some research online. The best way to do this is with a pen and piece of paper where you can make side by side comparisons.

No two insurance policies are exactly the same so you’ll want to compare monthly payments against terms of coverage, how much money your surviving spouse or other next of kin would receive at the time of your death, payout ease, and more before making your final decision.

At the end of the day, life insurance is as important as nearly any other type of insurance if your goal is securing your family’s future. Whether your beneficiary is a child or spouse, by taking care of your life insurance plan now, you’re buying them and you peace of mind in the event of your passing. While never fun to think about, knowing your grieving family will be okay long term when you’re gone is worth looking into.


Tech Neck: Excercises To Strengthen Your Neck & Shoulders

This infographic was created by Metro Physical & Aquatic Therapy, an in home physical therapy provider


Back Pain. Here is What You Need to Know

Back pain can range from sharp to severe. Such pain is a result of wear and tear due to our daily activities. Back pain also occurs as we grow older. The pain may suddenly arise and go away with time as you practice remedies such as exercises, physical therapies or medications, and conservative treatments. Back pain is a result of overstretched muscles, ligaments, and injury, among other causes. A pain that lasts for more than 12 weeks and is burning or deep is regarded as chronic pain. In case you are experiencing any type of pain in your back that does not seem to subside, you should seek the immediate intervention of a doctor. Specialists of back pain in Houston at Yancey Pain & Spine offer a wide range of services and use proven therapies coupled with the latest technology to provide a lifelong solution to your pain.

How is back pain diagnosed?

When you visit the doctor, you will receive a physical examination to check the pain. The doctor may also ask you several questions. During the exam, the doctor will check how you stand and walk, the state of the spine, reflexes, leg strength, and other abilities. The doctor may also carry out imaging scans (X-rays) to check your spine, blood tests, computed and tomography (CT), or magnetic resonance imaging (MRI) to check the muscles, ligaments and discs, bone scan, and electromyography to test the nerves. These tests may be necessitated if the pain seems to be caused by an injury, presence of an underlying condition, or pain that doesn’t seem to subside.

What are the risk factors of back pain?

Several factors contribute to the risk of getting back pain. They include:

Daily activities/ Occupational activities

The daily jobs that require us to stand for long hours, sit in chairs that don’t support our backs well, and lift or bend predispose us to back pain.


A pregnant woman carries much weight in front, hence the ligaments loosen in the pelvic region, thus causing pain.


As we age, wear and tear of the discs along the spine may occur, and this leads to neck and back pain. Older people at the age of 40 are more likely to have back pain than young people.

Inactivity or sedentary lifestyle

People who are not active, sit too much, and do not go for regular exercise develop back pain.

Genetic factors

Certain disc disorders are said to be inherited—for example, the degenerative disk disorder.


Excess weight strains the muscles in the back, thus causing pain in the back and even the joints.

Other risk factors include strenuous work, smoking, and some diseases such as arthritis. According to reports, back pain is more prevalent among women than men because of factors caused by hormones. If you would like to avoid back pain, it would help if you address the risk factors. Perform regular exercises, eat a healthy diet, manage body weight, and avoid smoking. While seated, make sure that you have good support for your back and arms. Make sure you have a neutral pelvic position while standing and also ensure your spine is straight while sleeping. Back pain can disappear with treatment or home remedies such as yoga and stretches.


Unlock Your True Potential Through Online TeleTherapy Care in New York

If periodic concerns or other worries make you feel reluctant about addressing your mental and emotional health needs, online video therapy might offer the solution you need. The highly skilled expert medical team at Thriving Center of Psychology in SoHo, NY, Midtown, New York, Miami, FL, and Los Angeles, CA, offers exceptional care from the convenience of your office or home using online-based video conferencing software. To determine if you are the right candidate for online video therapy in New York, call the offices or go online to schedule an appointment.

What Is Online Video Therapy?

Online video therapy is a service that allows physicians at Thriving Center of Psychology to offer top-quality treatments for patients from the convenience of their office, home, or any other location they feel comfortable in. Through the online-based video conferencing software, the psychologist and therapist offer the same therapy forms, which are available in-house, with the same quality and attention as walk-in visits.

What is the Significance of Online Video Therapy?

Online video therapy possesses apparent benefits, such as eliminating parking, travel time, and other issues, which might interfere with in-house visits. However, some patients find that they like video therapy because they feel it’s more effective and relatively easier to open up about one’s feelings from a comfortable, private place such as that of your home.

Is Online TeleTherapy as Effectual as Face-to-Face Appointments?

Several studies contrasting online teletherapy with in-house therapy show that it’s equally effective for particular treatment forms, for instance, cognitive-behavioral therapy. Other research highlights that various mental health issues can be effectively addressed through online video therapy.

What Conditions are to be Addressed Through Online Video Therapy?

The highly skilled and experienced professionals at Thriving Center of Psychology have successfully addressed several mental health issues through online video therapy. These include depression, stress, relationship issues, anxiety, eating disorders, and trauma. Besides, it’s quite useful in life coaching sessions.

How to Prepare for an Online Therapy Appointment?

For you to successfully go through an online therapy session, you’ll require a computer with a good internet connection, a microphone, and a camera. Also, you will have to be in a private and quiet room during this appointment.

Before your initial appointment, you might need to download a special video conferencing software. After an initial consultation, your provider educates you on everything you need to do before your first online teletherapy appointment.

The Thriving Center of Psychology professionals recommend that you talk to your psychologist or therapist face-to-face during this initial consultation. Although it varies according to the patient’s unique needs, they might also suggest that you seek scheduled face-to-face appointments. In some circumstances, in-house sessions are unnecessary if distance or any other personal factors hinder you from making a walk-in visit.

In conclusion, the Thriving Center of Psychology offers you a chance to lead a more fulfilling life. The specialists are welcoming new patients across New York to their practice. Select the therapist who suits you best and schedule an appointment through mobile or use the online booking tool.



The Benefits Of Strengthening Your Core

The Benefits Of Strengthening Your Core from JSCULPT

Chinese Territory Reports 17 New Coronavirus Cases, 15 From Abroad

The Chinese terrain enrolled 17 newly affirmed coronavirus cases on Tuesday, two of nearby transmission in Northwest China’s Xinjiang Uygur self-sufficient district and 15 from abroad, the National Health Commission declared on Wednesday.

New Coronavirus CasesA sum of 128 new asymptomatic coronavirus cases were likewise recorded on the Chinese terrain while 828 asymptomatic patients stay under clinical perception. No coronavirus-related passings were accounted for on Tuesday, the commission stated, while 16 patients were released from medical clinics subsequent to recuperating.

As of Tuesday, the all out number of affirmed coronavirus cases on the Chinese terrain had arrived at 86,087 with 4,634 fatalities.

The absolute affirmed contaminations in the Hong Kong and Macao uncommon regulatory locales and the Taiwan area are as per the following:

Hong Kong: 5,345 (5,109 recuperations, 105 passings)

Macao: (46 recuperations)

Taiwan: 567 (521 recuperations, seven passings)


Corona Cases Set New Record in Iran

In Iran, a new record of daily cases of coronavirus has been set, with 5,616 new cases of corona coming to light in one day.Corona Cases

A spokesman for the health ministry said 312 people had died in Corona in the past 24 hours.

Iranian authorities have warned hospitals in Tehran and other major cities to run out of space for corona patients, urging people not to travel unnecessarily and to stay indoors.

The number of Corona victims in Iran is more than 545,000 and the death toll is 31,346.


Nobel Peace Prize in The Name of The World Food Program

The Nobel Peace Prize 2020 has been announced. The Nobel Peace Prize has been won by the United Nations World Food Program.Nobel Peace PrizeThe WFP was awarded the Nobel Peace Prize for its role in alleviating hunger in war-torn areas.

The Norwegian Nobel Committee has decided to award the Nobel Peace Prize to the United Nations World Food Program.

The World Health Organization, Greta Thunberg, and Jacinda Arden were also considered favorites in the Nobel Prize race.


Hurricane Delta Hit the Coast of Mexico, Knocking Down Several Trees

Hurricane Delta hit the coastal areas of Mexico, a country located between the North and South American continents. The magnitude of the powerful Category 4 hurricane Delta has been reduced to Category Two.

Hurricane DeltaThe 175-kilometer-per-hour storm uprooted trees, crushing them and severely damaging several vehicles.

The tornadoes disrupted the power system and left thousands without power. Thousands of tourists were evacuated from coastal areas in the wake of the storm.

Numerous flights have also been canceled due to bad weather, and oil companies have closed production platforms in coastal areas due to the storm.


Incidents Of Violence And Rape Against Women In India, UN concern

The United Nations has expressed deep sorrow and concern over the incessant incidents of violence and sexual abuse against women in India.

United StateThe United Nations Mission in India said in a statement that it was “deeply shocked and concerned” by the continuing incidents of sexual violence against women and girls in India.

The statement added that it is committed to continuing to support the United Nations, the Indian government, and civil society in combating violence against women.