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Have you been declined for life insurance? Have you been told that you can only get graded coverage or the rates are very high? The question really is, have you done your homework and asked the right questions from the right people? When your health is not so perfect, selecting a life insurance company and plan is more than just about quotes and financial ratings!

The first thing you need to do is find an agent or a company that you feel comfortable working with and that has many years of experience in the field of impaired health life insurance. You may even want to ask for referrals. Did you know for example that some insurance companies can be great for diabetics who only take a pill but horrible for diabetics on insulin? Did you know that if you have had cancer, the type of cancer can make a difference from company to company and even plan to plan. Did you also know that getting approved for term life insurance can be more difficult than getting approved for whole life or universal life insurance? Yes, I know, as many clients have told us, it does not seem to make any sense. Whether you get a 0,000 term life insurance plan or a 0,000 whole life insurance plan should make no difference in the approval process. Well, it does! The insurance companies are able to be a bit more lenient with someone who will spend 0/month for a whole life policy than with someone who will spend /month for a term life insurance policy. More premiums paid for the same coverage amount, may equal lower risk for the insurance company.

So, what is the next step? Once you have found the right agent/insurance company, you need to ask a lot of questions of course. Make sure that you understand exactly what plan is being quoted to you and the process of approval for your life insurance application. Secondly, and most importantly, since your health has not or is not the best, you need to give the agent as much information as possible about your health history. Don’t hide information! This will only hurt your results now or even worse, if you do get approved, your claim may be denied later for fraud. You see, as opposed to what you may have heard, the more information you give the insurance company when applying for life insurance, the more they will trust you and the better the results. Giving the broker the correct medical history, will also allow him/her to locate the best company for your needs right from the start and avoid wasting your time and his.

This is a basic idea of applying for life insurance when you have or have had health issues. Feel free to contact us for more. There is NO charge to ask questions and you may ask as many as you need to.

Ceylon black tea, like other “true” tea types, come from the tea plant called Camellia sinensis. But what sets black tea apart from its cousins is the way it is processed.

Where green tea is steamed but never oxidized, and white and oolong teas are only partially oxidized, black tea undergoes full oxidation. After picking, the leaves of the tea plant are withered, rolled, and fermented for a number of hours before the black tea is finally dried and packed into different shapes and sizes.

This unique processing method actually accounts for the stronger and more flavorful taste of Ceylon black tea. The way Ceylon black tea is packed is also another reason why its flavor is longer-lasting, making them excellent products for export and shipping.

There are several varieties of black tea. The main difference is in the places or regions where the tea plants are grown. Like wine regions in France, Australia, and California, black tea that come from one region has slight characteristic differences from black tea grown in other regions. Because of this, black tea types are often named after the name of their growing region in order to make it easier to identify them by association.

One important type of back tea is Ceylon Black Tea, grown on an island of the same name in Sri Lanka where extreme climate and rough physical nature of the countryside play an important role in its characteristic taste.

Before Ceylon was ever a tea growing region, it was first a coffee region. Coffee planting in Sri Lanka started around the 1800s, roughly three centuries after the Portuguese first landed in search of spices. In 1837, Sri Lanka recorded a historic 4,000 acres of coffee on the island of Ceylon alone, prompting coffee trade and export in the then British colony. However, nearly forty years later, coffee planting in Sri Lanka suffered a huge setback from which they were never able to recover.

It was in the beginning of 1865 when coffee planters of Ceylon noted a leaf fungus appearing that caused the leaf to die and drop off – the dreaded Hemileia vastatrix or “Devastating Emily.” For a time, planters planted at a faster rate to overcome it, to no avail. By 1867, planters began looking at tea and planted them at fields, rather than at trials. The reversal was dramatic, and Sir Arthur Conan Doyle, himself, wrote in his De Profundis:

“Those were the royal days of coffee planting in Ceylon, before a single season and a rotting fungus drove a whole community through years of despair to one of the greatest commercial victories which pluck and ingenuity ever won. Not often is it that men have heart when their one great industry is withered, to rear up in a few years another as rich to take its place, and the tea fields of Ceylon are as true a monument to courage as is the lion at Waterloo.”

The first Ceylon black tea that was produced in the 1860s was literally rolled by hand or arm, on bungalow verandah floors, or on tables and then fired over charcoal fires. The resultant Ceylon black tea was a fruity, full-bodied beverage with a slightly smoky taste.

Today, Ceylon black tea leaves are processed using developing machines, but quite a few are still made the old-fashioned way.