If you are studying for your life and health insurance licensing exam, we have the ultimate study tool for you. Life and Health Insurance License Exam Cram is a great resource to help you learn the concepts, laws, rate calculations and state and federal regulations that will be covered on the exam. You'll also receive a CD that includes a fully-customizable test engine, detailed score report and state-specific law supplement. No matter where you are taking your exam or which area you need to focus on during your studying, Life and Health Insurance License Exam Cram is your smartest way to get certified. Please note The CD-ROM and test engine is NOT Mac iOS compatible.

***Includes Practice Test Questions*** Life & Health Exam Secrets helps you ace the Life & Health Insurance Exam, without weeks and months of endless studying. Our comprehensive Life & Health Exam Secrets study guide is written by our exam experts, who painstakingly researched every topic and concept that you need to know to ace your test. Our original research reveals specific weaknesses that you can exploit to increase your exam score more than you've ever imagined. Life & Health Exam Secrets includes: The 5 Secret Keys to Life & Health Exam Success: Time is Your Greatest Enemy, Guessing is Not Guesswork, Practice Smarter, Not Harder, Prepare, Don't Procrastinate, Test Yourself; A comprehensive General Strategy review including: Make Predictions, Answer the Question, Benchmark, Valid Information, Avoid Fact Traps, Milk the Question, The Trap of Familiarity, Eliminate Answers, Tough Questions, Brainstorm, Read Carefully, Face Value, Prefixes, Hedge Phrases, Switchback Words, New Information, Time Management, Contextual Clues, Don't Panic, Pace Yourself, Answer Selection, Check Your Work, Beware of Directly Quoted Answers, Slang, Extreme Statements, Answer Choice Families; A comprehensive Life & Health review including: Underwriting Principles, Risk, Contract, Producer/Law Of Agency, Policy, Life Insurance Principles, Classes Of Life Insurance Policies, Premiums, Individual Underwriting By The Insurer, Individual Term Life Insurance, Individual Whole Life Insurance, Individual Flexible Premium Policies, Group Life Insurance, Beneficiaries, Disability Riders, Annuities, Individual Retirement Account, Medical Health Insurance, Common Exclusions From Coverage, Employer Group Health, Small Employer Medical Expense Insurance, Indemnity Plans, Health Maintenance Organization, Preferred Provider Organization, Point Of Service Plan Pos, Exclusive Provider Organizations, Medicare & Medicaid, and much more...

The problems of medical care confront us daily: a bureaucracy that makes a trip to the doctor worse than a trip to the dentist, doctors who can't practice medicine the way they choose, more than 40 million people without health insurance. "Medical care is in crisis," we are repeatedly told, and so it is. Barely one in five Americans thinks the medical system works well. Enter David M. Cutler, a Harvard economist who served on President Clinton's health care task force and later advised presidential candidate Bill Bradley. One of the nation's leading experts on the subject, Cutler argues in Your Money or Your Life that health care has in fact improved exponentially over the last fifty years, and that the successes of our system suggest ways in which we might improve care, make the system easier to deal with, and extend coverage to all Americans. Cutler applies an economic analysis to show that our spending on medicine is well worth it--and that we could do even better by spending more. Further, millions of people with easily manageable diseases, from hypertension to depression to diabetes, receive either too much or too little care because of inefficiencies in the way we reimburse care, resulting in poor health and in some cases premature death. The key to improving the system, Cutler argues, is to change the way we organize health care. Everyone must be insured for the medical system to perform well, and payments should be based on the quality of services provided not just on the amount of cutting and poking performed. Lively and compelling, Your Money or Your Life offers a realistic yet rigorous economic approach to reforming health care--one that promises to break through the stalemate of failed reform.

Let the holy Communion revolutionize your life and health! Through engaging Bible-based teaching, Pastor Joseph Prince unpacks a revelation of the Communion that has never been more relevant than right now. Along with showing you why the holy Communion is God’s ordained way to release life, health, and healing to us, Pastor Prince also tackles the tough questions: Is God punishing me with sickness and disease? Is it really God’s will to heal me? Do I qualify for His healing power? What do I do when I don’t see results? Can God heal my loved ones? The enemy wants you to believe that God doesn’t care and that your situation is hopeless. But because of the cross, you can have full assurance in your heart that God wants you healed and whole. Learn how you can access His healing power with just the simple act of eating. In Eat Your Way to Life and Health, discover a God who loves you so much, His Son paid for your healing on Calvary’s cross. Be deeply encouraged as you read powerful testimonies from people who have received healing through a revelation of the Communion, despite being told their conditions were terminal or incurable. Whatever circumstances you are confronted with today, God has a word for you: Don’t give up. There is hope. He has made a way for you!

During the last 25 years, life expectancy at age 50 in the United States has been rising, but at a slower pace than in many other high-income countries, such as Japan and Australia. This difference is particularly notable given that the United States spends more on health care than any other nation. Concerned about this divergence, the National Institute on Aging asked the National Research Council to examine evidence on its possible causes. According to Explaining Divergent Levels of Longevity in High-Income Countries, the nation's history of heavy smoking is a major reason why lifespans in the United States fall short of those in many other high-income nations. Evidence suggests that current obesity levels play a substantial part as well. The book reports that lack of universal access to health care in the U.S. also has increased mortality and reduced life expectancy, though this is a less significant factor for those over age 65 because of Medicare access. For the main causes of death at older ages-cancer and cardiovascular disease-available indicators do not suggest that the U.S. health care system is failing to prevent deaths that would be averted elsewhere. In fact, cancer detection and survival appear to be better in the U.S. than in most other high-income nations, and survival rates following a heart attack also are favorable. Explaining Divergent Levels of Longevity in High-Income Countries identifies many gaps in research. For instance, while lung cancer deaths are a reliable marker of the damage from smoking, no clear-cut marker exists for obesity, physical inactivity, social integration, or other risks considered in this book. Moreover, evaluation of these risk factors is based on observational studies, which-unlike randomized controlled trials-are subject to many biases.

Chap. 1: Introduction to Health and Wellness. Chap. 2: Principles of Physical Fitness. Chap. 3: Nutrition Basics. Chap. 4: Weight Management. Chap. 5: Mental Health. Chap. 6: Managing Stress. Chap. 7: Intimate Relationships and Sexuality. Chap. 8: Reproductive Choices. Chap. 9: Pregnancy and Childbirth. Chap. 10: Infectious Diseases and Sexually Transmitted Diseases. Chap. 11: Chronic Diseases. Chap. 12: First Aid and Injury Prevention. Chap. 13: Consumer Health and Alternative Medicine. Chap. 14: Environmental Health. Chap. 15: Substance Use and Abuse. Chap. 16: Healthy Aging. Chap. 17: Wellness Throughout Life.

This volume brings together a number of scholarly studies on the definition, assessment and measurement of human quality of life. The book contains fundamental analyses of basic concepts such as welfare, wellbeing, happiness and quality of life itself, but contains also discussions on the application of such concepts for measuring purposes mainly in a health care context. Although the approach to these problems in the book is predominantly philosophical, there are also some studies which take a different, mainly sociological and medical, point of view. Most of the authors have a Scandinavian origin and their essays mirror the current debate on quality of life in northern Europe. The book however also contains contributions by distinguished scholars from the U.K., France, Italy and the Netherlands.

Being healthy in this crazy, busy, modern world is not easy. For journalist Shannon Harvey, finding a solution to this problem became personal when she was diagnosed with an autoimmune disease that had no known cause and no known cure. After being told by her doctor that she could end up in a wheelchair, she realised she had to take action.This inspired a ten-year journey, where she spent more than $30,000 on conventional and alternative treatments, searched through thousands of scientific papers, and traveled the world to interview dozens of pioneering health researchers from leading institutions such as Harvard and Stanford. On her road to getting better she met people with remarkable stories of recovery, discovered the truth amidst conflicting medical advice and sorted the quacks from the experts. She has now compiled the latest evidence and her personal experiences into one book to help you find the answers to good health.Discover why:*Meditation can turn off genes affecting disease*Sitting is considered the new smoking*One simple change to your diet can add years to your life*A walk in nature can boost your cancer fighting cells by more than 50%*Getting enough sleep makes you smarter, faster, and even better looking*Being positive can help you heal more quickly from a wound*Loneliness is on par with obesity and addiction as a leading risk factor in chronic diseaseAnd much more...From dealing with work stress, to improving your relationships at home, or making healthy habits stick, understand how your mind, body, and the world around you influences your health more than you think. Whether you are struggling to get well, or simply want to know what you can do today to stay healthy, this book is filled with real-world, simple, evidence-based solutions to improve your health from every aspect, adding years to your life and saving you thousands of dollars in medical expenses.This is a guidebook for anyone who wants to get healthy, find balance, and live better.