Content Writer for Health and Medical Articles

Content is king and if you are a webmaster searching for a content writer for health or medical articles to put on websites and get revenues, this piece of information would be really helpful to you.

Before we get on to the topic about who to choose for medical or health article content writing, we should look at the scenario of yesterday and today! Just ten years back, the Internet was considered to be the supreme source of entertainment and information but nobody thought that it would revolutionize the world of business today.

Websites typically related to healthcare or medical niche is on the rage nowadays. This is because most of the computer literate people would search for health tips, causes and treatment online. In addition, they rely on content written for medical and health stuff and go for the treatment accordingly. Ethically, if content related to health or medical care is written by a general (common) writer, it is doubtful. How can you expect a commerce graduate writing genuine stuff about diseases and their treatments? Needless to say that the common writer hired for medical or health related articles would mostly depend upon the blogs and forums available on the Internet. I do not deny that all websites that deal with healthcare or medical science are not up to the par but then, search is search, the process that renders page results depending upon the SEO.

The best way to overcome all such hassles is when you set up your mind to promote health or medical related websites, get content writing service preferably from a doctor or medical domain expert. Though doctors are not so well acquainted with computers and find least time to browse and write genuine content, there are few medical professionals who are in media and publishing services as their hobby or business.

If you want to augment the overall campaign of promoting websites addressing health or medical niche, approach content writer for writing medical health articles in an SEO friendly way. Said this, when you get a final content about healthcare, the information is rich with medical facts and is search engine optimized so as to bring it up on SERPs (Search Engine Result Pages).

A doctor can be hired for writing medical or health articles on different subjects such as diet, home remedies, breast enlargement, penile enlargement, weight loss or obesity, diabetes, signs and symptoms of diseases, causes and diagnosis of the health ailments, alternative medicines and herbal therapies etc.

Health, Wellness and Medical Science – 2007 Top Ten Trends

The Aspen Health Forum just gathered an impressive group of around 250 people to discuss the most pressing issues in Health and Medical Science.

1- Global health problems require the attention of the scientific community. Richard Klausner encouraged the scientific community to focus on Global Problems: maternal mortality rates, HIV/ AIDS, clean water, cancer…

2- “Let’s get real…Ideology kills”. Mary Robinson, former President of Ireland, on what it takes to stop HIV/ AIDS: “I am from Ireland, a Catholic country. And I am Catholic. But I can see how ideology kills..we need more empathy with reality, and to work with local women in those countries.” This session included a fascinating exchange where Bill Frist rose from the audience to defend the role of US aid, explaining how 60% of retroviral drugs in African countries have been funded by the American taxpayer. Which made Nobel Prize Laureate Peter Agre, also in the audience, stand up and encourage the US to really step up to the plate and devote 1% of the GDP to aid, as a number of European countries do, instead of 0.1%.

3- Where is the new “Sputnik”?: Many of the speakers had been inspired by the Sputnik and the Apollo missions to become scientists. Two Nobel Prize Laureates talked about their lives and careers trying to demystify what it takes to be a scientist and to win a Nobel Prize. Both are grateful to the taxpayers dollars that funded their research, and insist we must do a better job at explaining the scientific process to society at large. Both are proud of having attended small liberal arts colleges, and having evolved from there, fueled by their great curiosity and unpredictable, serendipitous paths, into launching new scientific and medical fields.

4- We need a true Health Care Culture: Mark Ganz summarized it best by explaining how his health provider group improved care when they redefined themselves from “we are 7,000 employees” to “we are a 3 million strong community”, moving from being a cost controller with a paternalistic attitude to a health facilitator, looking underneath symptoms to identify and deal with underlying patterns.

5- You can’t manage what you can’t measure. We heard many times how defining and measuring outcomes, so common in the private sector, is critical to ensuring a good allocation of resources in the health and scientific fields, that use so much taxpayer money. For example. NIH funding grew from $9B in 1994 to $29B in 2007, yet the results are not clear. The same happened with health care as a whole, a sector that now consumes 16% of the US GDP with health outcomes (infant mortality, patient deaths in hospitals) worse than other countries that invest far less.

6- The rising role of public-private partnerships: There are multiple initiatives launched to bridge the increasing gap between academia and industry. The Foundation for the NIH has facilitated key conversation between the FDA and pharma companies. The Gates and Clinton Foundations have launched innovative partnership models to tackle global health problems.

7- From Lifespan to Health-span. Population distribution in developed countries is shifting from a “population pyramid” to a “population rectangle”. The point of much ongoing research is not “how to spend more time on the nursing home” but how to slow down the process of aging, so we can live healthier longer.

8- Patient-advocacy groups are having an impact. We heard many examples on how small groups of motivated individuals have built large patient advocate movements that influence public policy. Michael Milken talked about the Cancer March, that helped increase NIH funding from $1.5B to 5$B. Hala Moddelmog, from the Susan G. Komen for the Cure, explained how they have 1 million people engaged in promoting cancer research and prevention. Robert Klein, key advocate of the California Proposition 71 (that will provide $6B for stem cell research through long-term bonds) explained how the proposition was passed, including engaging over 80 patient-advocacy groups.

9- There’s a new emphasis on understanding “how systems work” instead of “how isolated genes make things happen on their own”: Genomics is starting to help predict susceptibility to disease and to therapies. Now, we must keep in mind the role of our experience and environment in turning some genes on or off.

10- The importance of our Lifestyle-Each of us owns our own health. 70% of heathcare costs derive from lifestyle-related diseases (such as smoking-induced cancer). We heard several calls to action for insurance companies to incentivize behavior modification to promote good lifestyle habits that improve quality of life and can delay disease symptoms, resulting in billions of dollars of cost savings.

In short, a very stimulating inaugural 3-day conference. I hope the one next year is even better.

The Winter of Your Life and Life Insurance

It’s funny how our mood can be affected by the changing of the seasons, with the onset of winter usually the one that makes us the unhappiest.

On the flipside, you have the happy times that come when the weather turns once more, and summer makes its return.

The one thing that ties all of the seasons together is the need to prepare for each one.

It can be as simple as changing out your wardrobe for the upcoming season, all the way up to prepping your house to keep the cold out.

When you really think about it, your life is made up of a combination of those seasons, and you need to prepare for whatever comes your way.

One of the ways to do that is to make sure that you take out a life insurance policy.

There are far too many people that allow more seasons to pass than necessary before even considering life insurance cover. It’s almost always because we all believe that bad things only happen to ‘other people’ and that we will always be around to look after our families. That’s not always the case, though, and life insurance is there to make sure that a family never has to struggle through life after a loved one has passed. Here are just a few ways that life insurance can help:

* Even the most basic life insurance policy will ensure that there is enough money for your family to ensure that you have a decent burial. The costs of such can run well into the thousands and can create a real financial hardship if out of pocket expenses are incurred.

* It may sound cold, but a death in the immediate family means that finances are immediately affected, especially if the person who passes is the main breadwinner. A life insurance policy will ensure that the family is looked after in the years that follow the death.

* There are many debts accumulated over the course of a lifetime, and those don’t simply disappear when someone passes. The money received from a life insurance company will ensure that all or some of those debts are met and that the family is not put in a position of financial hardship.

Much in the way that you prepare for the changing of the seasons, a family needs to prepare for the future after a loved one has passed. If those financial preparations have not been made, they may be in for a rough period of time that makes the cold, hard months of winter seem easy in comparison.

Term Life Insurance or Whole Life Insurance: Which Should You Opt for and Why?

What is life insurance? What is term life insurance? What is whole life insurance? Which one should I opt for? Which is the better one? These are common questions an amateur investor on the insurance front faces. The key thing to remember is that the purchase of term or whole life insurance not only depends on your individual financial goals but also on the financial wants of your family. In both forms, the policy holder’s beneficiaries, i.e. loved ones, get a lump sum payment on the policy holder’s death. This payment is called the death benefit. Let us understand each form below:

Term Insurance:

In term insurance, the policy holder’s beneficiaries get a substantial payout in the event of the sudden demise of the policyholder, within a stipulated time period. In the event that the policyholder does not die within the given term, then the person does not receive any kind of payment from the insurance company. Hence the premiums for a term insurance are very low while the payouts are quite substantial.

Is Term Insurance for you?

Term life insurance is ideally designed to ensure that people who cannot buy a complete life cover can also avail protection for their loved ones. The low premium ensures that you can afford insurance and hence protect your family in unforeseen circumstances.

If you are in your thirties, have young children and are the sole bread winner, a term plan would be ideal for you to help your family in your absence. You can choose the term to cover the time period till your children start earning and become self-sufficient.

Whole Life Insurance:

Also known as a universal cover, this category is designed to not only pay the policy holder’s beneficiaries in the event of his/her death but also to provide a lump sum payment to the policy holder at the maturity of the policy or at the policy holder’s retirement. Thus this form of insurance ensures the policyholder with life benefits, peradventure the policyholder does not die till the maturity of the policy.

Benefits of Whole Life Insurance

There are several considerations and benefits to choosing a whole life insurance policy over other different types of life insurance policies. With so many options in the insurance marketplace, it is certainly confusing to choose the best insurance plan for you. However, here are a few advantages of whole life insurance plans to help you decide why this might be the right one for you.

Benefits of Whole Life Insurance

• Lifelong Insurance Coverage: The term whole life insurance is no misnomer! As the name implies, whole life insurance plans are designed to provide insurance coverage for your whole life, unlike term insurance policies, which only offer coverage for a specified period of time.

• Fixed Insurance Premiums: Premiums for other types of insurance policies generally increase over time to reflect the rising cost of protecting older policyholders. But for whole-life insurance policies, insurers average the entire cost so that you pay a predictable and level premium throughout your time. Having a fixed insurance premium can be easier for people to plan around the budget.

• Cash Value: One of the distinguishing features of a whole life insurance policy is “cash value”. It means that the insurance premiums you pay towards your plan accumulate in a cash balance that you can use even when you are still alive! If you do decide to discontinue paying your premiums, your insurance plan may still be worth something to you. This, however, depends on how much cash has accumulated. On the contrary, term insurance premiums (pure insurance policies) only pay out upon a death.

• Encourages Savings: For those who require additional encouragement, paying a compulsory policy premium forces them to set aside cash that can be used at a later date.

• Flexible Money Options: The accrual nature of your whole life insurance plans will offer you several flexible options in the future – should you decide to discontinue paying premiums. There may be a waiting period before you can borrow against your cash value. You can also opt to stop paying new premiums, and stretch your accumulated cash value and existing premiums towards a reduced benefit protection.

• Possible Dividends: If you have a participating whole life insurance policy, you can receive dividends from your company. However, they’re not guaranteed and are only paid out when your agency has excess investment earnings, favorable mortality statistics, or savings on expenses. You can choose how you want the dividends to be used: reduce your premium payments, paid out in cash, accumulate interest, or pay for paid up Additional insurance.

• Tax Deferrals: There are added tax benefits of whole insurance policies. The growth of interest in whole life policy is tax-deferred! In addition, if you have a basic participating policy, any dividends you receive will be considered a return of premium. They will not be taxed for until your total dividends exceed your total premiums.

• Certain Death Benefit: Policy holders are usually guaranteed a death benefit no matter when the holder dies, so long as the plan is active. This assumes the plan wasn’t surrendered, and that premiums were continued. In comparison, under term insurance policies, beneficiaries only receive a benefit if the policy holder passes away within the period covered.

5 Things You Must Know About Endowment Insurance

Until recently, endowment insurance plans were the most popular form of life insurance. With private companies now offering insurance, Unit Linked Plans (ULIP) have slowly grown to be popular with customers.

ULIPs account for around 90% of the new insurance policies sold by private insurance companies. However, endowment policies still form a major part of the insurance policies sold by the Life Insurance Corporation of India. Here are some things you must understand about endowment policies if you are thinking of buying one:

  1. An endowment policy is a combination of insurance and investment. In this, the life of policyholder is insured for a certain amount. This life cover is referred to as the sum assured.

A portion of the premium is allocated towards this sum assured while some is allocated towards the administrative expenses of the insurance company selling the policy. The remaining amount is invested.

  1. The amount invested generates a certain return annually. Hence an endowment policy includes an annual bonus. The bonus is typically generated as a certain proportion of the sum assured or life cover.
  1. The bonus that is declared thereafter is not immediately payable. In the case of a stock dividend or a mutual fund dividend, which is payable right after it is declared, the bonus is payable once the policy matures or in case the policyholder dies.
  1. In an endowment policy the bonus is only accumulated and does not compound. Let us take the case of a 35 year old individual who takes a policy with a sum assured of Rs. 10 lakh with a term of 20 years. The premium for this would be around Rs. 49,000 per year. At the end of the first year, the insurance company declares a bonus of Rs. 50 per thousand of sum assured or 5% of the sum assured. This amounts to Rs. 50,000, which remains Rs. 50,000 for the next nineteen years till the end of the policy. The same thing happens to the bonuses declared for the remaining period of the policy as well.
  1. Chances of an insurance company declaring an average bonus of more than 5%, over a period of twenty years, are very less. This is primarily because endowment policies largely invest in government securities. Also taking into account the administrative expenses of the insurance companies, a greater bonus is highly unlikely.

An endowment plan works for you if you:

  • Want to avail the dual benefits of investment and insurance.
  • Want to receive a lump sum amount at the end of some years of maturity of the policy and you are looking for a long term investment.
  • Would like to pay your premium in a short period and wish to avail the benefits from the plan over the policy term.

Insight on Term Insurance Plans

In today’s age, people always want to secure the financial future of the family, so they can lead a decent lifestyle even after their unfortunate demise. Term plan is the answer to secure your family against financial hardship, when you are not around. Buying a term insurance policy provides a sum insured to the nominee/beneficiary, in the event of death of the life insured.

Benefits/Advantages of buying a term plan

Death Cover: Term plans provide pure life cover and it becomes a must buy, if you are the only wage earning member in the family. In case of your untimely death, it pays an amount equivalent to the sum insured to the family, so their finances are not affected.

Fulfill Financial Objectives: In case of untimely death of the life insured, a one time lump sum payout equal to the sum assured helps accomplish major financial goals like child education and marriage. The payout from a term insurance plan also helps pay off debts such as home loan or car loan.

Ensures Regular Income: Some term plans are available with lump sum payout plus monthly income to the family, when you are not around. These types of term plans help your family meet the regular expenses with ease.

Attains Maturity Amount: Typically, term plans do not offer any maturity benefit, but TROP plans offer the maturity benefit, and thus, returns the paid premiums at the maturity of the policy, provided the insured survives through the policy term.

Opt for Additional Coverage: You also have the option to choose riders with a term plan. Riders such as Accidental Death Benefit, Disability rider, Critical Illness, and Income benefit Rider help enhance protection to your base policy.

Major factors to consider before buying a term plan Want to buy a right term plan that can ensure the financial well-being of the family? Following are the key aspects you should consider prior buying the plan.

Adequate Cover: Choosing a right cover amount ensures that your family gets the payout that can cover day-to-day and other major expenses like children’s education/marriage, paying off debts, etc. Buying a plan with an inadequate cover is of no importance.

Policy Tenure: It is advisable to choose a policy tenure, so you can pay off all major financial liabilities. Avoid choosing a shorter policy that may end up when cover is required the most. It’s best to opt for a policy that offers flexible tenure options, so you can choose tenure depending on your protection needs.

Consider Inflation: When looking to buy a term plan, it is advisable to make an estimate about the inflation and then get a life cover that can easily cover your family’s financial expenses at a time say 20 years from now. You may consider the inflation rate while picking the sum assured for the policy.

Claim Settlement Ratio: Claim Settlement Ratio gives you an idea for the number of claims settled by an insurer. Higher ratio signifies that the insurer is reliable, when it comes to settlement of claims. It is thus advisable to choose an insurer that has the highest claim settlement ratio.

Choose Riders: When it comes ensuring financial protection for the family, you never want to compromise it in any manner. Choosing right riders with the term plan always boost protection. Riders help enhance protection, provided you have opted for the most appropriate rider/s. Riders are available on payment of additional premium, so choose it wisely.

Read Policy Terms: It is advisable to go through the policy benefits & inclusions and term & conditions, so you can assess the suitability of the plan for your family. Choosing the right term insurance plan would help build a secure financial future of your family.