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 exam and have less application questions to answer. Many of these policies can be approved within several days. A life insurance policy that is guaranteed approval. Coverage amounts will be lower than traditional policies. Premiums will be considerably higher. Since there are no medical questions and everyone is approved, these policies will have a waiting period before benefits are paid out. If the insured dies during the initial waiting period, only premiums plus interest will be returned. Once the waiting period has been satisfied, the full death benefit will be paid out to the beneficiary. Term life insurance Term life