Insect sting allergy potentially something very serious and can lead to anaphylaxis, which is potentially life-threatening. The majority of individuals who receive a sting from an insect experience local reactions. It is estimated that 5-10% of individuals will experience a generalized systemic reaction that can involve symptoms ranging from hives to wheezing and even anaphylaxis. In the United States approximately 40 people die each year from anaphylaxis due to stinging insect allergy. Potentially life-threatening reactions occur in 3% of adults and 0.4–0.8% of children. A 2012 meta-analysis found that venom immunotherapy is an effective prophylactic treatment against insect bite and sting allergic reactions,
Term life insurance person outlives the duration of the term life insurance policy. For example, if an individual owns a 10-year return of premium term life insurance plan and the 10-year term has expired, the premiums paid by the owner will be returned, less any fees and expenses which the life insurance company retains. Usually, a return premium policy returns a majority of the paid premiums if the insured person outlives the policy term. The premiums for a return premium term life plan are usually much higher than for a regular level term life insurance policy, since the insurer needs to make money