Month: October 2018

A new meta-analysis has found that people with diabetes have a higher risk of developing cancer than those without diabetes. Also, the risk seems to be greater in women, according to the recent findings.

After analyzing data from over 19 million people who have either type 1 or type 2 diabetes, it was found that women with diabetes were 27% more likely to develop cancer than women without diabetes. On the other hand, men with diabetes were 19% more likely to develop cancer than men without diabetes. When looking at both men and women who had diabetes, it was found that the women have a 6% higher overall risk of developing cancer when compared to the diabetes-affected men.

Different types of cancer

When analyzing different types of cancers, women with diabetes generally still have an increased risk of the developing most of the cancers when compared to men with diabetes. For example, women with diabetes were found to have an 11% higher risk of kidney cancer, a 13% higher risk of oral cancer, a 14% higher risk of stomach cancer, and a 15% higher risk of leukemia.

On the other hand, men who have diabetes were found to have a 12% higher risk of developing liver cancer when compared to women with diabetes. Despite this, women still tend to fare worse than men, at least according to the results of the study.

Why does this happen?

Researchers have some hypotheses about why this may be happening to women. For instance, women tend to have higher blood glucose levels than men. Although this obviously affects diabetes, higher blood-glucose levels can also damage DNA, which could lead to cancer. Researcher Toshiaki Ohkuma explains:

“Women often spend a longer duration than men in the prediabetic stage [of the disease], where glucose levels are high. [After being diagnosed] women are often undertreated or not getting the same level of treatment as men.”

A study from 2015 also showed that women were less likely than men to take the medication required to control their blood glucose levels and keep them low. Due to this, diabetic women are more likely to have blood-glucose levels which are uncontrolled for greater periods of time, wreaking more havoc on their body when compared to diabetic men, who tend to seek treatment and blood sugar regulation much sooner.

Limitations of the study

It is not clear why women with diabetes appear to have inflated risks of cancer when compared to diabetic men, however, the limitations of the study may be somewhat telling. For example, the study highlights that it did not factor in phenomena unique to women such as pregnancy, periods, menopause, and HRT, all of which may have the potential to skew the results according to differing circumstances.

If you have diabetes and you’re worried about your risk of developing cancer or other illnesses, you may also worry about how this will affect your life insurance prospects. For honest and insightful information about insurance which is tailored to your needs, get in touch with our team today!

If a loved one is diagnosed with a terminal illness, needless to say, it is enormously difficult. If the person is the breadwinner of the family, this makes the situation even more complex too. However, final expense plans are a way of making the family’s burdens a little easier, providing them with funds which can be used to pay for things such as funeral expenses. Nonetheless, final expense insurance can be very difficult to acquire successfully, especially if your family member is terminally ill but not deceased.

Difficulties for those with terminal illnesses

Those with terminal illnesses and/or serious diseases are expected to have shorter life expectancies than someone the same age as them who is otherwise fit and healthy. Insurance companies work based on risk calculations, and someone who has been diagnosed with a terminal illness obviously presents a large risk to an insurance company, making them more of a liability financially.

These risk calculations are carried out whatever kind of insurance you end up getting. However, final expense insurance already has death in mind, so you can expect to face difficulties if you’re expecting to have a shorter life expectancy than other people in your demographic. Nonetheless, some insurance providers will offer an insurance plan to patients who are seriously ill, leaving the vast majority of terminally ill people with two options.

Option #1: Life Insurance Plans

Life insurance plans accumulate cash throughout your life, paying out to the beneficiaries upon the death of the policyholder. The money which is paid out can be used to take care of funeral expenses, as well as lifelong debts and other essential expenses related to one’s passing. Life insurance plans come in different forms, such as Whole Life Insurance and Term Life Insurance, and different types of life insurance plan may suit different people depending on their needs, life expectancy, and circumstances.

Option #2: Final Expense Plans

Final expense plans are designed to specifically take care of funeral costs when the policyholder passes away. These plans also allow you to dictate how you want to be remembered when you pass on. For example, you can specify whether you want to be buried or cremated, and you can say whether or not you would like there to be a wake after your funeral.

Although it sounds complex, you simply need to fill out some online forms in order to find the top final expense insurance quotes from a wide range of insurance providers, all of which have their own unique perks and advantages. The insurance carrier you go to will be sure to comply with the requests you made when you took out the policy, and you can adjust your coverage and premiums according to your needs and wishes.

Talking about funeral costs and passing on is difficult at the best of times, but it doesn’t need to be made worse by financial struggles. To talk about final expenses insurance plans for those with a terminal illness, speak to a member of our team today!