Often associated with the long-term betterment of personal health, fish oil – which contains high levels of omega-3 fatty acids – appears to have been justified even further by a new study conducted by the Harvard School of Public Health.

The Endocrine Society, a U.S.-based organization that funds medical research, reported in a press release that investigators at Harvard pored over data from a number of clinical trials that focused on the effects of fish oil. Hundreds of participants consumed fish oil tablets on a daily basis, and the researchers found evidence that those who did exhibited fewer signs of diabetes and heart disease.

The key behind the benefit appears to be a hormone known as adiponectin. This compound helps to boost the metabolism in the body while also reducing inflammation levels, the latter of which is a risk factor for conditions such as cancer. The team noted higher amounts of the hormone in participants who were regularly taking the fish oil supplements.

“While prior animal studies found fish oil increased circulating adiponectin, whether similar effects apply in humans is not established,” Jason Wu, the lead author of the study, said in a statement. “By reviewing evidence from existing randomized clinical trials, we found that fish oil supplementation caused modest increases in adiponectin in the blood of humans.”

These developments are a sign that a holistic approach to wellness can be largely beneficial to older individuals. However, while pursuing a healthier lifestyle, it’s important to plan for unexpected events in the future. Part of this process involves buying an affordable life insurance policy, which provides financial assistance to your loved ones when they need it most. Contact us today to learn more about rates and policy specifics. 

Article source: http://www.lifeinsure.com/yet-another-study-connects-fish-oil-with-heart-health/

A recent study conducted by a team at the University of Toronto contained some sobering facts for folks who enjoy eating out at least once a week. According to the findings, the average meal purchased from a restaurant contains far more salt, calories and fats that previously expected. The researchers suggested that rising obesity rates in the United States and abroad could be at least partially attributed to these factors.

Another report, written by a group at Tufts University in Massachusetts, alleged similar results – that most choices from small restaurants contain more than 2,000 calories, which is the daily caloric intake encouraged by the U.S. government to maintain a healthy body weight. By analyzing 157 menu choices in the Boston area, the Tufts researchers concluded that the average person would receive a day’s worth of calories in a single sitting if they selected any of the options tested. Similar findings were noted in the Toronto area in terms of calories.

Salt levels were also very high in the majority of restaurant meals in both Boston and Toronto, accounting for an average of 151 percent of a person’s suggested daily intake. Interestingly, local or small-chain establishments generally served meals with more salts and calories than nationally branded restaurants, the twin studies found.

“In all of the meal categories there are huge ranges in calories, sodium and fats,” Mary Scourboutakos, the lead author of the Toronto study, said in a statement. “You really don’t know [how to avoid these higher levels] unless there is calories labeling or sodium labeling. There is no way to predict which meals are going to be the worst.”

Folks who are actively trying to avoid unhealthy food should scrutinize their choices at restaurants, as excessive salt and calories can lead to obesity, a condition which is a serious risk factor for a number of chronic diseases. However, it’s always helpful to be prepared for the future, which includes a life insurance policy that can protect your loved ones financially should you pass away. To learn more, visit InstantQuoteLifeInsurance.com today and fill out an online life insurance application. 

Article source: http://www.lifeinsure.com/most-restaurant-meals-contain-more-salt-fats-than-previously-thought/

Business Life Insurance for Partners and Succession Planning

When you go into business with other people, it’s important to stop and think about what might happen in the event that you or one of your partners passes away. It’s one thing to start and run a small business with a particular person that you know and trust, but it’s another matter entirely to find yourself owning and operating a business with one of your partner’s heirs in the event of his or her death. However, if one of your partners dies and you haven’t done proper succession planning (a legally binding agreement about what will happen with his or her stock shares), that’s exactly the situation you’ll face.

That’s why it’s so important to have solid, sound buy-sell agreements in place as soon as you take on a business partner. When you go into business, you’ll want to draft a legally binding document that specifies exactly what the partners can and cannot do with their stock. If the partners agree that stock should not be assigned to heirs, the agreement will stipulate that the corporation will buy back outstanding shares in the event of an owner’s death.

Of course, it’s important to have a guaranteed source of funding, so you won’t have any problem buying back your partner’s stock from the estate should the agreement need to be enacted. That’s why business partners and life insurance for business owners go hand in hand. It’s important to take out a key person insurance policy on each of your company’s partners. With proper life insurance in place, there will be no worries about how to enact the buy-sell agreement should the need arise.

Key Person Insurance

When you go into business with partners, you and your co-investors are very dependent on each other — in terms of both finance and a shared workload. Whether your company is just starting or you’ve been in business for years, it’s important to make sound decisions about business partners and life insurance. When you take out key person life insurance policies on each partner, the company will receive a lump sum life insurance payment in the event that one of the covered individuals dies.

Typically, surviving partners use proceeds from key person insurance policies to purchase outstanding stock shares per the terms of the company’s buy-sell agreement, to hire someone to handle the day-to-day duties performed by the deceased partner, and to take care of other operating expenses. When thinking about whether or not you can afford key person life insurance, it’s important to stop and ask yourself, and your partners, if you can afford to go without this important protection.

Article source: http://www.lifeinsure.com/blogsuccession-planning/