“Cost is always a critical factor when consumers are considering a purchase and that’s especially true with insurance products today,” states Jesse Slome, director of the critical illness insurance organization.   ”The Association’s new cost calculator will appear at the very top of almost every page on our new website and provide instant costs for $10,000 of cancer insurance.”

The critical illness insurance cost calculator merely requires the consumer enter their sex, age and whether they are a smoker or non-smoker.  “There is no personal information needed to immediately see the cost,” Slome explains.  “The cost appears immediately and we don’t ask or want to gather any personal information.  We merely are striving to show consumers how affordable this important coverage can be.”

Slome noted that the decision to show the cost for $10,000 of cancer insurance was made to be most beneficial to the largest number of young adults.  “For millions of Americans between the ages of 35 and 55, cancer is the critical illness they are most likely to have prior to reaching age 65 to 70,” Slome shares.   “The average critical illness insurance policy purchased today is around $15,000 in benefits, so the modest policy seemed to make the most sense.  Obviously, if someone wants more coverage, they can easily estimate what their potential cost might be.”

The critical illness insurance cost calculator is designed to demonstrate the affordability of cancer insurance and encourage consumers to seek actual pricing for coverage options.   “When consumers hear they can purchase cancer insurance protection for the cost of one or two cups of coffee a month, they’ll be interested enough to take the next steps to learn more,:” Slome predicts.

The calculator revealed that a male, age 45 who does not use tobacco could pay as little as $48 a year for $10,000 of cancer insurance.  A female, age 45 who uses tobacco would pay $108 yearly for the same level of insurance.  “I chose to show smoker and non-smoker rates because it shows the numbers most fairly,” Slome adds.  “When rates are the same for both, the non-smokers are more or less subsidizing some of the added risk of insuring smokers.”

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While researchers note that the research doesn’t confirm that exercise directly leads to improved rest, the findings are mostly consistent with previous research, according to Jesse Slome, executive director of the American Association for Long Term Care Insurance which tracks health related issues pertinent to longevity matters.

Inadequate sleep has been linked to depression, cardiovascular disease and other health problems notes Slome.  Increased risk of cardiovascular disease puts aging Americans at greater risk of needing benefits from their long-term care insurance Slome explains.

The researchers noted that hoping that a daily walk or jog will clear up sleep problems might be a bit too optimistic.   More than one-third of U.S. adults have trouble falling asleep at night or staying alert during the day, according to background information in the study.

The new study by researchers at Oregon State University examined data from a U.S. health survey conducted from 2005 to 2006.   The researchers focused on over 2,500 men and women between ages 18 to 85.  They measured their activity levels and answered questions about sleep.

All study participants wore accelerometers, devices that measure physical activity for a one-week period.

The researchers adjusted their statistics so they wouldn’t be thrown off by unusually high or low numbers of people of certain ages, weight, health condition, smoking history or other factors. Participants met or exceeded national exercise guidelines by getting at least 150 minutes a week of moderate exercise or 75 minutes a week of vigorous exercise or a combination of both.

Those who met the guidelines were 65 percent less likely to report often feeling sleepy during the day compared to those who got less exercise. They were also 68 percent less likely to report sometimes having leg cramps and 45 percent less likely to report having trouble concentrating while tired.

For more information on long term care insurance, visit the Association’s Consumer Information Center at http://www.aaltci.org/long-term-care-insurance/ .  To read a free online guide about reducing costs for long-term care insurance go to long term care insurance costs.

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