Archive for April, 2012

Light Drinking Boosts Breast Cancer Risk

Thursday, April 5th, 2012

A newly published review of research reveals that even one alcoholic drink a day can boost a woman’s risk of breast cancer by as much as five percent.

Scientists from three leading European countries reported that heavier drinking, which they defined as having three or more drinks a day can increase risk up to 50 percent.

The findings attributed some two percent of breast cancer cases in Europe and North America to light drinking alone, and about 50,000 cases worldwide to heavy drinking.

“The research seems to confirm the expert advice for women to minimize drinking,” explains Jesse Slome, executive director of the American Association for Critical Illness Insurance.   Critical illness insurance pays a cash, lump sum benefit upon diagnosis of a critical illness such as cancer.

Healthy women at average risk of breast cancer should not consume more than one alcoholic drink a day, the study’s authors said.  The connection between breast cancer and alcohol was first suggested in the early 1980s, the researchers noted. To update the research, they searched for more than 3,400 studies and narrowed their focus to 113 that examined the effects of light drinking on breast cancer risk.

Scientists note that alcohol is thought to increase estrogen levels, in turn, perhaps, increasing the risk of breast cancer. Several studies have found alcohol more strongly linked to cancers known as estrogen receptor positive, which require estrogen to grow.

Seitz said the team’s research controlled for various other factors that might affect risk, such as obesity.

The American Cancer Society guidelines say, for overall health, if you don’t drink, don’t start.  If you do, it’s best to limit your consumption to one drink a day if you are a woman.

For more information on critical illness insurance, visit the Association’s Consumer Information Center .

American Association for Critical Illness Insurance
3835 E Thousand Oaks Blvd
Westlake Village, CA 91362

Critical Illness Insurance Sales Tend To Be Small

Tuesday, April 3rd, 2012

More than half (53%) of men and 54 percent of women purchased individual critical illness insurance policies providing benefits of $20,000 or less, according to the 2012 Critical Illness Insurance Buyer Study conducted by the American Association for Critical Illness Insurance (AACII) and General Re Life Corporation.

For the second consecutive year, researchers analyzed data from 10 leading critical illness insurers, which accounted for over 57,200 purchasers of individual critical illness insurance policies made between January 1 and December 31, 2011.  “People increasingly understand they have some financial risk as a result of higher health insurance deductibles or lost income resulting from a dread disease and are selecting nominal amounts of CI coverage because they believe it is both sufficient and affordable protection,” explains Jesse Slome, AACII executive director.

According to the 2012 National Critical Illness Insurance Buyer Study some 29 percent of male buyers and 31 percent of female buyers purchased benefit levels of $10,000 or less.   Fewer than one in 10 male buyers (9%) and only eight percent of female buyers purchased over $50,000 in protection.

According to the Association’s online Critical Illness Insurance Price Calculator, a 40-year-old male non-smoker will pay about $20 monthly for $20,000 of CI protection.  Females pay less, Slome notes.

Critical illness insurance pays a tax-free, lump-sum cash benefit generally upon diagnosis of a covered critical illness such as cancer, heart attack or stroke.  Sold in 54 countries worldwide, the first policies became available in the United States around 1996 and today over one million individuals have such protection in the U.S.

The American Association for Critical Illness Insurance is the national trade association providing information to consumers and insurance professionals.   For further information, visit the Association’s Website:  www.aacii.org/ or call (818) 597-3205.

For long term care insurance information and costs visit our sister organization, the American Association for Long Term Care Insurance.