Latex allergy allergy is an IgE (immune) mediated reaction to proteins found in the "Hevea brasiliensis" tree, a type of rubber tree. Testing for type I natural rubber latex allergy is through blood testing to determine if the patient is producing IgE antibodies to latex proteins. Anaphylactic shock can be provoked in allergic persons by the "previous" use of latex in an area: latex is typically powdered to prevent sticking, latex proteins become attached to the particles of powder, and the powder becomes airborne when the latex item is used, triggering potentially life-threatening Type I reactions when the latex-contaminated powder is inhaled
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