Category Archives: life cover

Active Body, Active Brain

Good News from Today’s New York Times:  a medical study has found that regular walking, cycling, swimming, dancing and even gardening can substantially reduce the risk of Alzheimer’s disease.

 

Walk, Jog or Dance: It’s All Good for the Aging Brain

CreditIllustration by Sam Island

More people are living longer these days, but the good news comes shadowed by the possible increase in cases of age-related mental decline. By some estimates, the global incidence of dementia will more than triple in the next 35 years. That grim prospect is what makes a study published in March in The Journal of Alzheimer’s Disease so encouraging: It turns out that regular walking, cycling, swimming, dancing and even gardening may substantially reduce the risk of Alzheimer’s.

Exercise has long been linked to better mental capacity in older people. Little research, however, has tracked individuals over years, while also including actual brain scans. So for the new study, researchers at the University of California, Los Angeles, and other institutions analyzed data produced by the Cardiovascular Health Study, begun in 1989, which has evaluated almost 6,000 older men and women. The subjects complete medical and cognitive tests, fill out questionnaires about their lives and physical activities and receive M.R.I. scans of their brains. Looking at 10 years of data from nearly 900 participants who were at least 65 upon entering the study, the researchers first determined who was cognitively impaired, based on their cognitive assessments. Next they estimated the number of calories burned through weekly exercise, based on the participants’ questionnaires.

The scans showed that the top quartile of active individuals proved to have substantially more gray matter, compared with their peers, in those parts of the brain related to memory and higher-­level thinking. More gray matter, which consists mostly of neurons, is generally equated with greater brain health. At the same time, those whose physical activity increased over a five-year period — though these cases were few — showed notable increases in gray-matter volume in those same parts of their brains. And, perhaps most meaningful, people who had more gray matter correlated with physical activity also had 50 percent less risk five years later of having experienced memory decline or of having developed Alzheimer’s.

“For the purposes of brain health, it looks like it’s a very good idea to stay as physically active as possible,” says Cyrus Raji, a senior radiology resident at U.C.L.A., who led the study. He points out that “physical activity” is an elastic term in this study: It includes walking, jogging and moderate cycling as well as gardening, ballroom dancing and other calorie-burning recreational pursuits. Dr. Raji said he hopes that further research might show whether this caloric expenditure is remodeling the brain, perhaps by reducing inflammation or vascular diseases.

The ideal amount and type of activity for staving off memory loss is unknown, he says, although even the most avid exercisers in this group were generally cycling or dancing only a few times a week. Still, the takeaway is that physical activity might change aging’s arc. “If we want to live a long time but also keep our memories, our basic selves, intact, keep moving,” Dr. Raji says.

Life Cover? Why?

Received this query from a lady whose son is abroad and is dubious about life cover. She asked me to give her some ideas so they could talk about it.
“First of all, the key issue around life insurance is whether or not your son has financial dependants.
If he has, life insurance would replace the income lost in the unfortunate event of his death.
Normally the term of the cover would equate to the term of the financial dependancy, so for children it might be until they reach age 21 for instance. In my opinion the most suitable plans are those (i) priced to simply provide the cover for the term, with (ii) an inbuilt option to continue cover thereafter without having to provide any further evidence of health (important if a person’s health has deteriorated – they can still get cover). Such plans are reasonably inexpensive.
Plans that have associated savings, while seeming like a good idea, don’t really work (again in my opinion) as (i) one normally doesn’t know how much is being deducted from the fund to pay for the cover; (ii) if one suffers financial issues and has to cut back there is only one plan to stop, hence the life cover is lost as well; and (iii) Joe Duffy is making a living from those type of plans. If I thought longer I’d probably come up with more reasons but I believe that it is better to separate savings from life insurance.
So far so good. However I know that your son lives in Australia. Unless he intends to return home in the near term he should probably get his life cover there. We could possibly get him cover here if he has an Irish bank account but I suspect it would be better for him to get his cover where he and any financial dependants live. If he doesn’t have an Irish bank account we would have significant difficulty getting him cover here due to constantly updating Anti-Money Laundering legislation.”
Smiling Client