say 12 months, but the insurer will only pay for ten months. Sorry û it's preventative Your insurance is designed to pay for the treatment and cure of conditions when they arise. It is not designed to pay for treatments that are used to prevent an illness. Again, the problem of definition arises. Sometimes it is arguable whether a treatment is preventative or a cure. Take the drug Herceptin for example. This drug can be used in the early stages of breast cancer. Research shows that Herceptin can halve the incidence of cancer returning for women who have a particularly virulent form of the cancer known as HER2. In this situation, is Herceptin offering a cure or is it a preventative? Insurance companies are split on the debate. Norwich Union, WPA, BUPA and Standard Life Healthcare will pay for Herceptin for HER2 patients whereas Legal and General and Axa PPP will not. Sorry û the drug is not approved Two of the main attractions for taking out medical insurance are: to jump the queues at the NHS, and to get the latest treatments and drugs. But there's a rider. The Institute for Health and Clinical Excellence exists to approve the use of new drugs by the NHS in England and Wales. Until that body has approved the drug your insurer is unlikely to pay for its use. The problem is that the Institute's brief is to perform a cost/benefit analysis to ensure that the financial benefits to the nation from using the drug, outweigh the costs of using it in the NHS. A difficult brief and it has placed the Institute under scrutiny for the extended delays in drug approval. The compromise hit on by the Financial Ombudsman is that if your medical policy won't pay for the use of experimental treatments, then it should meet the cost of an approved conventional treatment with the policyholder footing the bill for the balance if the experimental treatment is more expensive. Sorry û it's a pre-existing condition The basic principle is that if you are already suffering from a condition when you start a policy, then that condition ôpre-existsö the policy and any claims for its treatment are invalid. For this reason, insurance companies insist you complete an exhaustive questionnaire before they agree to insure you. After all they need a clear picture of your medical condition before they quote. For many applications, the insurer will, with your approval, also write to your GP for specific details of your medical history. They like to have a complete picture. So lets say some years ago
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piece is an abstract triptych that I found while I was in Atlanta buying religious paintings The piece was called Guardian Angel and I love it My patrons fell in love with it as well They have asked me to track down the artist and see if he has anymore religious paintings available The only religious paintings that I actually do not buy are ones that reflect the image of Jesus on the cross I don’t have a problem with them some of them are extremely well done and would more than likely sell well but my investors made it very clear when they financed the gallery that I would not put that image into it PPPPP 683 Ajello Candles The motto of the Ajello Candle Company is “It’s better to light a candle than to curse the darkness” This candle making company has been in business since 1775 The business has been family owned for seven generations The candles from Ajello’s are well known for their beauty and quality While they make more candles now than in 1775 their dedication to quality and to customers has never changed The Ajello Candle Company was founded by Rafael Ajello an Italian painter He was also a beekeeper so he tried his hand at using bees wax to create candles He worked hard to create a formula that worked well The formula combined with his outstanding artistic ability lead to the birth of the Ajello Candle Company In 1785 the company earned the honor of creating all the candles for the Vatican He and his wife ran the business keeping their children involved in the processes from an early age As time went on their children and grandchildren kept the business running as well as passed the family business on to their children By 1862 the company had established itself as a leader among the candle making industry They had also added perfumes and many .

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