Posts Tagged ‘Being’

Italy And The Pressures Of Being Champion

 

Italy won the world cup in Germany in the year of 2006 when they in Berlin defeated France on penalties to not only claim the title but the fourth one in their history. All of which making Italy the reigning world champion yet in all this it would be unfair to say that Italy is still the best team as four years have passed since then and many of the players who won are older by the same number of years. This being a long time in the life of an athlete, specially in a sport such as football.

 

I for my part and being of Italian descent am always hopeful of Italy wining whatever tournament they might enter yet I am also well aware that repeating as champion is very difficult even more so than becoming it. This given the fact that other teams tend to be more motivated to defeat the team that is the champ as they can later take more pride in saying they did so. Another factor that makes life harder for those who are champions is that other teams have more time to study their tactics. This being how world cup winners more than likely will be repeating what they demonstrated four years prior specially if they keep the same trainer and most of the same players.

 

Naturally one must not forget that if a team was good enough to win a world cup they by all right ought to be a great team which more than likely they are yet this does not make them invincible. This being more so the case since the teams they played four years earlier did have time to improve their game and even get new coaches with diverse tactics which like the game itself never stops advancing in its progressive ways.

 

Italy undoubtedly however is a great football nation which can always like Brazil, Germany and Argentina produce a team capable of going all the way in any tournament however I ask is this always wise to do so? For is it not sometimes more beneficial in the long run to use a tournament to prepare for another tournament by putting together a team of younger hopefuls in the hope that they might become better as a team for the future even if it be at the expense of more experienced players who are past their prime. With this in mind it is often that great teams will do such for the already mentioned reasons. All of which leading one to ask what exactly does Italian trainer Lippi plan to follow as a strategy?

 

Lippi of course having many great players at his disposal yet perhaps will opt to like Bearzot (in 86 after having won the world cup 82) to leave out many of the aging stars. This being perhaps the reason why Paolo Rossi, who played brilliantly in 82 was left out of the 86 squad in favor of the younger Altobelli. In fact one could even say that perhaps it was this what Bearzot did in Argentina 78 when his team that combined new players and veterans was the one that became the basis for the one that would go on to win the championship in 82.

 

Regarding previous champions only Italy (in 34 and 38) and Brazil (in 58 and 62) have repeated as champions with Argentina in 90 and Brazil 98 being able to at least get back in to the final; only to both end up loosing. Italy for its part after having won the world cup in 1938 was not able to defend its title four years later given that a war put a pause to the world cups till 1950. This being 12 years after, making it that most of their players from 38 would be too old to return to the squad; specially since most had already been on the team in 34. Italy however despite the war managed to build up a great team that would have probably been a factor in Brazil 50 had it not been for the fact that most of these players died in a plane crash.

 

Of course in recalling previous champs we can look at Uruguay who in 34 did not even bother to attend the world cup in protest to Italy; who did not partake in the world cup they organized and won in 1930. Uruguay however would win in 50 and defend their title in 54 where the might Hungarians defeated them after a grand match that extended in to overtime and a score of 4-2. In remembering previous champions perhaps it was France who gave the poorest performance when in 2002  they even failed to score as much as a goal in a performance that saw them obtain only one draw and two defeats. This even in a relatively easy group that contained teams such as Uruguay, Senegal and Denmark. If France however was the worst defending champion then arguably one could

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Buying Life Insurance After Being Diagnosed With Cancer

The American Cancer Society estimates doctors will diagnose over 1.4 million new cases of cancer in the U.S. in 2007, with more than 559,650 cancer-related deaths. If you are among the majority of cancer patients and survive for at least five years following your diagnosis, you may face another fight: buying life insurance.

Buying life insurance for cancer patients is challenging, but not necessarily impossible. Your chances for securing a policy depend greatly on the type, stage and grade of the cancer, and even on the treatment plan. There is a relationship between the rate you’ll receive and the curability of your cancer. Certain types of skin cancer, for example, are considered very low risk by life insurance companies and a skin cancer history may not even impact premiums.

Applicants with common and treatable forms of breast and prostate cancer may be able to get a “standard” rating under ideal circumstances. But patients with a history of leukemia or colon cancer may fall into a “substandard” or “high substandard” rating at best, or receive declines. Anyone with cancer that has metastasized likely won’t be able to obtain a policy.

Dr. Charles Levy, senior vice president and chief medical director of AIG American General Domestic Life Insurance Cos., says, “We’re better and better able to differentiate the risks of individual cancers.” Life insurers like AIG American General have sophisticated tables to determine premiums, where they can factor in cancer types and treatments. The end result is better premiums because applicants aren’t lumped together as an “average.”

Most insurers will not offer a policy to someone who is still undergoing treatment for cancer. Depending on your type of cancer, the life insurer may also want to add a surcharge, also called a temporary flat extra. For example, AIG American General sometimes charges temporary flat extras for two to five years, depending on the applicant’s cancer and treatment. The good news is that although these extra premiums can be expensive, they will automatically disappear after a set period of time.

Cancer insurance risk specialists

While a dedicated life insurance agent will search cancer insurance companies to find insurers that will sell you a life insurance policy, in some cases you may be better off seeking out a broker who specializes in finding life insurance for people who have a history of cancer.

These brokers will know the specific questions underwriters will want answered when considering your application. Many brokers have developed relationships with several insurers, so they know which companies offer the best-priced life insurance policies for cancer survivors. Some brokers have experts who specialize in gathering your medical records and organizing them.

By directing your application to life insurers that will view your application most favorably, these brokers will help you find the most accurate price quotes and the lowest premiums for life insurance. Always check the financial strength of the insurer before you buy any policy and be sure that the agent or broker you choose is licensed in your state.

Life insurance strategies for cancer survivors

If you are a healthy cancer survivor, life insurance is even more feasible. There are things you can do to ensure you’re getting the best premium offers possible for your situation.

1. Gather all possible medical records before you apply, from the first pathology report to medical records to treatment records. That ensures medical underwriters have the most complete picture of you, your health, and your cancer history. Having all those records before you apply for cancer insurance will reduce delays in your application process, because your life insurer is going to request them and will wait for them. The information you provide can garner you better premiums in the end: The less life insurer underwriters knows about you, the more likely they are to have to assume you are the highest risk and offer you high premiums accordingly. According to Levy, “If it’s fuzzy, we’re more likely to err on the side of conservatism.”

2. Make sure you have complied with your doctor’s treatment plans. For example, says Levy, if your doctor asked to see you back in one year and you haven’t been back in four years, get to your doctor for your check-up before you apply for life insurance. Your life insurer is not going to offer you a policy without before seeing the results of that check-up. Similarly, if you’ve had breast cancer and you’re due for a mammogram in December and you apply for cancer insurance in October, your life insurer will likely wait for the results of your next mammogram.

3. Get prices from several companies. Policy costs can vary a great deal among companies.

4. See if you can get group life insurance through a professional, fraternal, membership, or political organization to which you belong.

5. Consider a “graded” policy (one with limited benefits) if you cannot get full death benefits. In the first few years of a graded policy, the company pays only the premiums and part of the face value if the insured person dies of a condition, such as cancer, that existed before the policy took effect. If the insured person dies after the specified grading-in period, the company will pay the full face amount of the policy.

If your cancer has been successfully treated, and you are otherwise in good health, you can likely obtain a cancer life insurance policy. If you can show that you are healthy and your treatments have gone well, several insurers may compete for your business.

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