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Chances are, you know you need life insurance if you have loved ones who count on you for financial support. A payout from a policy would help them pay the bills and keep them afloat if something happens to you.

But you might be dragging your feet when it comes to applying for life insurance because of the medical exam. Perhaps you don’t have the time or simply don’t want to get poked or prodded.

Don’t let the prospect of a medical test deter you from getting life insurance. The test probably isn’t nearly as bad as you think.

Here’s a look at why life insurance companies require a medical test and what it entails.

Why Life Insurance Companies Require a Medical Exam

Life insurance companies use a process called underwriting, which determines the risk of applicants, including expected life expectancy. This helps insurers price life insurance policies accurately to protect themselves financially.

It also helps prevent healthy people from overpaying for coverage to subsidize those who aren’t as healthy. Healthier applicants are more likely to get lower insurance rates. And those with health conditions and at older ages will pay more or could possibly be declined for coverage.

A big part of the underwriting process involves gathering information about an applicant’s health. Insurers ask you to fill out an application with questions about:

  • Your medical history
  • Your past and current prescriptions
  • Your family’s medical history (parents and siblings)
  • Your driving record
  • Amy dangerous hobbies
  • International travel plans

A fully underwritten policy takes all medical and personal information into account. That typically includes a medical test to verify your information and determine whether you have health conditions that could affect your life expectancy.

Related: Want to skip medical exams? See our list of the Best No test Life Insurance.

What a Life Insurance Medical test Entails

A life insurance medical test doesn’t require you to deliver up an entire day. It can take just 15 to 45 minutes, depending on what tests are included.

You’ll generally be asked questions about your medical history during a phone interview before your exam, and the examiner will review them again in person.

Here’s a sample of the type of information you should have on hand:

  • Names and dosages of medications, for past and current conditions.
  • Names, addresses and phone numbers of doctors visited in the past five years.
  • List of medical conditions, dates of diagnoses, treatment, treatment outcome and treating physician contact information.
  • Driver’s license number and expiration date.

During the exam, your height, weight, pulse and blood pressure will be recorded. You likely will have to provide a urine sample and have blood drawn to test for health issues such as elevated cholesterol or blood sugar levels, and to screen for nicotine and drug use.

If you’re over age 50 and applying for a high amount of life insurance, such as $1 million and up, you might be required to take an electrocardiogram (EKG) which is painless. Electrodes will be placed on you to record the electrical activity in your heart. The guidelines for who needs an EKG will vary by insurer.
You won’t have to undress during the exam, but it’s good to wear loose clothing if your test involves an EKG.

Occasionally some insurers might require an X-ray or treadmill stress test, which needs to be done at a doctor’s office or clinic.

If you’re age 70 or older, you might have to take an additional test of your cognitive ability.

How to Get a Life Insurance Medical Exam

Not only is a life insurance medical test relatively quick, it’s also easy to get. Insurance companies partner with paramedical companies that provide testing services, such as ExamOne and APPS-Paramedical Services.

Typically, a representative from the medical testing service will contact you to schedule an appointment. The insurer will cover the cost of the exam.

You can choose to have the test done at your home or workplace, and a nurse or paramedical professional will come to you. If you choose your workplace, keep in mind that it could be awkward to deliver the urine sample from the bathroom to your examiner.

Or you may be able to have the test done at one of the paramedical service’s test centers.

Delaying the test will only slow the process of getting insurance coverage, so you’ll want to schedule your test for the earliest possible date.

How to Prepare for a Medical Exam

The results of your medical test will play a big part in the rate you’ll pay for life insurance. It’s important to take the test seriously. Granted, you won’t be able to make major changes to your health in the short period between applying for insurance and taking the exam. But there are things you can do to get the best results possible.

  • 24 hours before the exam: Limit salt and high-cholesterol foods such as red meat; avoid over-the-counter medications such as antihistamines and nasal decongestants.
  • 12 hours before the exam: Refrain from alcoholic beverages and strenuous exercise, which can raise blood pressure levels.
  • One hour before the exam: Avoid caffeine and nicotine; drink a glass of water. Being hydrated will help with the blood test.
  • At the exam: Have a photo ID and application paperwork; wear short sleeves or sleeves that can be rolled up so your blood can be drawn and blood pressure can be taken

When scheduling your exam, ask whether you need to fast. You might have to avoid eating and drinking anything other than water during the 12 hours before your exam.

Related: Tips To Prepare For The Life Insurance Medical Exam

Getting the Results of Your Life Insurance Medical Exam

You may be able to access the results of your blood and urine tests, depending on the paramedical company that conducted the test. For example, ExamOne—which is one of the top paramedical services—provides results within seven to 14 days after an exam. Applicants can register on the ExamOne website and be notified by email when their results are available.

To find out whether you can get your test results, ask the representative you speak with when you schedule your exam. Or contact the paramedical company’s customer service.

Other Ways Insurers Get Information About You

In addition to your application and medical exam, insurers gather information about you in a variety of ways. They get information about your health by:

  • Reviewing your medical records
  • Using a third-party company, such as Milliman Intelliscript, to check your prescription history
  • Utilizing the MIB Group database to verify information on your application

Life insurance companies may also check:

  • Your motor vehicle report for violations that would show that you engage in risky behavior
  • Public records to verify your personal information
  • What property you own
  • If you have a criminal record or other information that shows you’re a risk to insure
  • Your credit
  • Your social media, to see if you’re engaging in risky behavior
  • Third-party financial statements, such as tax returns or documents from an accountant, if you apply for coverage worth several million dollars

Insurers use all of this information to determine your underwriting classification—which is also called a risk or rate class. Insurers usually have preferred and standard rate classes but might also have preferred plus and standard plus classes. They usually also have a substandard category for people with more severe health conditions.

Those in the preferred plus and preferred classes get the lowest rates. To qualify for the best rates, you must generally:

  • Be in good health with no tobacco use in the past three to five years
  • Have a clean driving record
  • No history of drug or alcohol treatment
  • No family history of heart disease or cancer before age 60

How to Avoid the Medical Exam

You can avoid taking a life insurance medical test if you’re panic about how your health will affect your rate or ability to get coverage—or if you simply don’t want to bother with an exam.

Many insurers offer no-exam life insurance policies. Companies such as Haven Life even offer a “fully underwritten” policy that doesn’t require an exam. Fully underwritten policies tend to be the most affordable option for many applicants, especially if you’re healthier and younger. That’s because they offer the most information to the insurer, which uses that information to accurately price a policy.

These three types of underwriting don’t involve a medical exam.

Accelerated underwriting

Many life insurance providers today offer no-exam policies and a speedier application process.

There are also options for fast life insurance, where providers use data and algorithms to quickly decide on a term life insurance quote for you. These options are generally available to younger (under 50 or 60), healthier applicants.

Simplified issue life insurance

The simplified issue life insurance underwriting process does not require a medical exam. Applicants have to answer a few questions about medical history and lifestyle. There might be a check of third-party data sources, such as prescription history.

Because less information is gathered and no medical test is required, simplified issue policies will have higher rates than fully underwritten and accelerated underwriting policies—even for healthy people.
It’s also common for insurers to limit the amount of coverage available under a simplified issue policy.

Guaranteed issue life insurance

You don’t have to take a medical test or answer health questions to get a guaranteed issue policy. These policies are a way to get coverage if you’re in poor health. They tend to be tailored to older adults with limited financial resources who are looking for a small policy to provide for funeral and final expenses.
And guaranteed issue policies are usually the most expensive type of policy for the amount of coverage you get.

If you’re young and healthy, push past any fears you might have of taking a medical exam. Then you’ll be more likely to get the coverage you need at the best price.

Compare Life Insurance Companies

Compare Policies With 8 Leading Insurers

Life Insurance Medical test FAQ

Will no-exam life insurance cost more?

No-exam life insurance won’t necessarily cost more, but this will depend on what kind of “no exam” policy you buy.

In latest years many life insurance companies have ramped up their efforts to offer life insurance without an test that’s competitively priced with policies that require exams. By using information they can obtain quickly and electronically about applicants, these companies have sped up their processing time.

Then there are policies such as guaranteed issue life insurance that don’t require a life insurance medical test but that will usually cost significantly more. That’s because they’re not evaluating any medical information on the back end.

Can I “fail” a life insurance medical exam?

You could essentially “fail” a medical test if the results lead to an application denial. But other factors in addition to your current health could contribute to a denial, such as a DUI on your driving record or a dangerous hobby like scuba diving.

Work with an experienced life insurance agent who can direct your application to the life insurance companies most likely to accept you and deliver you the best rate possible, so you don’t end up with a life insurance denial on your record.

What if I don’t feel well on the day of my exam?

Call the paramedical company to reschedule if you don’t feel well on test day. Even run-of-the-mill illnesses can affect your blood pressure and other results, which can impact the rate you’re offered.

The paramedical examiner will also appreciate not being exposed to illness.

Tue, 26 Jul 2022 00:45:00 -0500 Cameron Huddleston en-US text/html
Killexams : SC refuses to stay NEET PG Counselling 2022

New Delhi: While considering a plea alleging serious discrepancies in the NEET-PG 2022 test, the Supreme Court on Monday refused to put a stay on the Counselling Process for the exam, which is likely to commence from September 1, 2022.

In the plea, the MBBS graduates challenged the decision of the National Board of Examinations in Medical Sciences (NBE) of not releasing the answer keys and question paper for the exam.

When the counsel for the petitioner, Advocate Ms. Avani Bansal informed the top court bench about the pending court proceedings regarding a similar plea regarding the non-access to answer keys and question paper for NEET-PG 2021, the bench tagged the petitions.

Therefore, the bench comprising of Justices D.Y. Chandrachud and A.S. Bopanna listed the matter for final hearing on August 25, 2022.

The doctors have also requested the court to set up a High Power Committee for examining the instances of alleged discrepancies in the scores so that fairness and transparency in the evaluation mechanism could be ensured. Apart from this, the plea further requested the court for framing guidelines for publishing question papers and answer keys after the examination.

It also sought direction upon NBE for uploading individual OMR answer sheets in login account along with the question paper and the corresponding answer key, immediately after the examination and provide the candidates with an answer key and question paper for the exam, especially when they file an RTI application.

Also Read: NEET PG 2022 Counselling from September 1

Filed by MBBS graduates registered under the State Medical Council, the plea expressed their grievance that even though there are serious mismatches in their NEET-PG 2022 scores, NBE did not grant them the opportunity for re-evaluation.

It was claimed by the petitioners that they were shocked to notice the huge disparity between the genuine score and the expected score. However, when a candidate approached NBE and raised their grievances in this regard, it clearly stated that they would not provide for revaluation, rechecking or retotaling of responses.

At this outset, the plea categorically mentioned the fact that other prestigious examinations in India including NEET-UG offers the candidates with an option for challenging the answer keys.

As per the latest media report by Live Law, referring to the order in the case of CBSE And Anr. v. Aditya Bandhopadhyay And Ors., the plea argued that the answer sheets are information that come under the purview of Section 2(f) of the RTI Act, 2005. Therefore, the doctors claimed that they are being deprived of their constitutional and legal right to information by such a decision of the NBE.

It also pointed out that NBE was not exempted from providing information under Section 24 of the RTI Act. In this context, the plea referred to Clauses 9.7 and 10.4 of the NEET-PG Information Bulletin which mentioned that the contents of the test are proprietary of NBE and therefore, no re-evaluation, re-checking or re-totaling is permitted.

Therefore, the petition argued that conducting of an examination does not constitute as a private activity and therefore checking and evaluation of answer sheets by an examiner and the marks assigned by them have nothing to do with the issue of privacy and therefore NBE would not attract Section 8(1)(j) of the RTI Act.

Approaching the top court bench the petitioners urged the court to issue directions to NBE for releasing the question paper and answer key for NEET-PG 2022, deliver the candidates and opportunity to re-evaluate their papers, declare Clause 9.7 and 10.4 unconstitutional, and finally allow the candidates to challenge the answer keys.

Medical Dialogues had earlier reported that official sources had informed PTI that the Medical Counselling Committee (MCC), under the Directorate General of Health Services (DGHS), would commence NEET PG 2022 counselling on September 1, 2022. The result of the NEET PG 2022 written examination was announced on June 1

However, this news got confirmed recently by the Medical Counselling Committee (MCC). While notifying the candidates regarding online generation of PwD certificates by the NEET Disability Certification Centers, MCC mentioned in the latest notice dated August 8 that, "...candidates who have registered themselves as PwD on the NBE website and want to avail the benefit of a PwD reservation should get the disability certificate issued from any one of the designated NEET Disability Certification Centres (as per the list attached below) through online mode only before the start of Round-1 of PG Counselling 2022 which is likely to start from 1st September 2022."

Referring to the news report indicating the commencement of NEET-PG 2022 counselling from September 1, the counsel for the petitioner requested the court to provide an interim relief and stay the counselling. However, the top court bench refused granting such interim relief and opined that such a decision would have far reaching consequences.

To view the order, click on the link below.

Also Read: NEET PG Counselling 2022: MCC notifies on online generation of PwD certificates by Disability Certification Centers

Tue, 09 Aug 2022 00:29:00 -0500 en text/html
Killexams : TS EAMCET revised hall ticket 2022 released: Here's how you can download

State Council of Higher (TSCHE) on behalf of JNTU Hyderabad, on Wednesday released the revised State Engineering Agriculture Medical and Pharmacy Common Entrance Test (TS EAMCET) hall tickets 2022.

Candidates who have registered to appear for the EAMCET (AM) test can download their hall ticket from the official website- The EAMCET test revised hall tickets have been released only for agricultural and medical exams. The agricultural and medical exams were postponed earlier, owing to heavy rains witnessed in . The test will now be held on July 30 and July 31, 2022.

The official website reads, "Candidates are advised to note the change in the revised schedule of the examinations and visit website concerned for downloading hall tickets immediately". Candidates have been advised to bring the revised hall ticket with them on July 30 and July 31 for the exam.

Failing to present a hall ticket, the candidate will not be allowed to write the exam, thereby, being barred from the entrance exam.

Check your TS EAMCET hall ticket 2022 here:

1. Go to TSCHE's official website-

2. On the homepage, click on the link that reads 'download hall ticket (AM)'

3. Login using your application number, date of birth, and other details as asked

4. download your displayed TS EAMCET hall ticket

5. Take a printout of the same for future reference

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First Published: Wed, July 27 2022. 23:59 IST

Wed, 27 Jul 2022 06:29:00 -0500 en text/html
Killexams : The Future of CBD research, marketing, and regulation

In this interview, Professor Ted Dinan, Medical Director at Atlantia Clinical Trials, and Asa Waldstein, Principal at Supplement Advisory Group, discuss Atlantia’s expertise in clinical trials for CBD.

The direction of CBD research and marketing in the future is closely linked to the increasing FDA regulation of commercial marketing efficacy claims. Ted Dinan and Asa Waldstein share their industry experiences and advice for companies entering the US cannabinoid market on both marketing their products in a compliant manner and conducting clinical trials for CBD.

Could you both please introduce yourselves and outline your role at Atlantia?

TD: My name is Professor Ted Dinan, and I am the Medical Director at Atlantia Clinical Trials. My area of expertise is very much in the design of research in this field.

AW: My name is Asa Waldstein, and I am the Principal at Supplement Advisory Group. Regarding Atlantia, I represent the US regulatory and practical marketing side of the conversation.

What work does Atlantia currently do in regard to clinical trials for CBD products? 

TD: In conjunction with Supplement Advisory Group, Atlantia wanted to be a part of both the science and the regulatory side of the CBD market. At present, there are three types of studies being conducted by companies in this area; the first is bioavailability, where a formulation is examined to see if the CBD is actually being absorbed. Bioavailability is essential. You want to know if the product is safe and well-tolerated. Then, of course, if you are going to market it, you want to be able to make some structure/function claims. The studies we design fall largely into those three groupings.

Image Credit: ShutterStock/HQuality 

What factors influence the design of the study?

TD: The design of the study is determined by a whole raft of factors. For instance, when conducting an open study, the designs are very simple. This will enable the researcher to see what the outcome of that study will be. However, at the other end of the spectrum, there are complex studies which are randomized clinical trials, where you have a placebo control, a double-blind situation, and a parallel-group design. These are the most expensive studies to conduct.

However, in the middle, there are also other designs that are more complex than an open design but not as complex as an RCT: these are called a “cross-over design”: one that can enable the user to answer certain questions. It has its limitations as an approach, but it is one that, in certain circumstances, can be very valuable. Personally, I am a believer that when you look at the clinical trial process, the best place to start is by asking the question, “How are you going to market the product and what is the market going to be?”

I think the entire design of studies prior to that should be predicated on that fact. There is no point in designing studies and finding out that you want to market in a way for which the design does not deliver you support.

Users put together an appropriate protocol, which goes to the regulator – the Ethics Committee – and then recruitment can begin and the data can be analyzed. Then, of course, you put together the study, write it up, and finally publish it. This is a process that, in some ways,, is complicated but can be made unnecessarily complicated; as all things considered, it is a relatively straightforward procedure.

Recently, the number of registered studies in relation to CBD has increased dramatically over the past 3-4 years. What does this increase indicate about the direction of CBD research in the future?

TD: If you are looking at bioavailability, relatively small studies can be conducted that can deliver you very good data in relation to bioavailability. The therapeutic areas that seem to be attracting the greatest detention at present encompass a range of different fields. Cognitive function is relatively central; joint and bone health are significant; metabolic health and pain management are also key players.

Image Credit: ShutterStock/Roxana Gonzalez

Anxiety is not currently one of the leading fields, but this remains another area in which many companies are investing. There are, therefore, a variety of potential areas and segments of the market that clinical trials are currently addressing.

What are some common mistakes that companies make when they enter the US cannabinoid market?

AW: Many companies seeking to enter the US cannabinoid product market may be looking to enter through a brand extension, an acquisition, aligned launch, or aligned extension. The first challenge is choosing the right manufacturing partner. Next is understanding the nuances of different state labeling and product registration requirements. A lot can go wrong when coming up with a product label and then registering the product. Finally, an important point to keep in mind is how uncompliant marketing is the easiest way to attract FDA and FTC scrutiny.

In 2022, we have already had 20 CBD-related warning letters. To put this in context, there were just seven warning letters from the FDA related to CBD in the entirety of last year.

Thus, the number of letters in 2022 has almost tripled in around half the time. This is a strong enforcement trend to watch.

A further aspect to note is that a large proportion of these warning letters are COVID-related. The guidance currently is that companies should not be marketing a product for COVID - but the really interesting learning curve here is that many of the companies that received warning letters have done so simply for citing COVID and CBD studies on their commercial website.

Image Credit: ShutterStock/Andrii Vodolazhskyi

This is, therefore, a good reminder for companies to exercise caution when using clinical studies on any platform that sells products. Also crucial to note is the fact that the FDA has recently cracked down on Delta-8 products and CBD products marketed for food production in other animals. In other words, it has never been riskier to market CBD products using high-risk language related to PTSD, Alzheimer’s, cancer, and so on.

How can companies successfully market CBD products in a regulation-compliant manner?

AW: When selling CBD, a good strategy is to remove all high-risk words, and buzzwords from marketing. Education is important, but it can easily cross the line into marketing, especially in the digital era. For example, if a company shares a study or a blog on their social media page, this can be considered advertising. This is why we read FDA and FTC enforcement trends, so we can ‘read the tea leaves’ of how they are interpreting marketing in this digital era.

If a company is using clinical studies on their commercial website, the best practice is to remove and possibly replace any high-risk words in the study name in the URL. Another example would be if a study was undertaken regarding anxiety, which is not currently a suitable claim for dietary supplements or in cosmetics in the US.

However, if it is accurate and truthful, changing this to a discussion about stress markers or setting up a study to talk about stress markers can help to lower risk.

What are the benefits of investing in research?

AW: In this crowded hemp space, there are a range of claims such as better bioavailability, rapid onset, and the need for substantiation. These are strong differentiators. These can help differentiate your product from the pack of all the several thousand hemp CBD products out there. Now, the same goes for companies that are investing in proving their product safety. Any company that invests in proving its product safety will be well-positioned to succeed in the future.

With the increased number of CBD products listed as a dietary supplement, is there a strong focus on a compliance standpoint?

AW: When it comes to dietary supplements, compliance is really the key. There are a few different core aspects of GMPs: namely CFR 111 and 117. These involve critical control points, HACCP safety, cleaning validation, and so on.

As a company that may be looking for a manufacturing partner, finding manufacturers that understand GMP compliance is really a strong differentiation point. My advice is for companies to ensure that they are not making disease claims and any marketing, including blogs, social media, tweets, hashtags, and so on.

TD: The real risk, from a company perspective, is where people move from making structure-function claims and into the area of making health claims. There are well-defined boundaries between those particular situations. Structure-function, for instance: a company can say that calcium is good for building strong bones, but if they are going to go into a health claim, they will incur interest from the FDA.

Image Credit: ShutterStock/24K-Production

AW: This idea brings up the idea of how to avoid the temptation to “diseasify”: how to not turn your supplement or hemp cannabinoid product into a drug by making claims hinging on disease. Another good example would be that a product “supports a healthy night’s sleep”- which is what we might call a structure-function - and then a disease-based claim would be that a product “helps insomnia.” These products are essentially saying the same thing, but the former is expressed in a lower-risk manner.

When it comes to CBD products, what should companies consider when it comes to the best doses for each product?

TW: When talking about dosing, it depends entirely on the formulation. One formulation may provide a very high blood level, and an alternative formulation may produce a much lower blood level. I do not think one can have a well-defined dosage in relation to something specific, like anxiety.

Talking about anxiety puts one outside structure-function claims. Anxiety or anxiety disorders are diseases, as far as the FDA is concerned. I think it is important to have surrogates for something like anxiety. The surrogate for anxiety is stress. For instance, we frequently do stress studies, and those stress studies might involve rating measures, like Cohen’s Perceived Stress Scale: it is a good way of rating stress, but it does not veer into the realm of anxiety.

When it comes to biological markers, I have spent 30 years measuring cortisol from saliva. Cortisol is the main stress hormone in humans, so in both saliva and the blood, it is a good indicator of stress, particularly when one wakes in the morning.

I, therefore, think there are ways of making sure that you do not veer into the health claims and that one remains within the supplements area by using surrogates for disease and not using disease categories like anxiety or depression.

Image Credit: ShutterStock/Vectorium

AW: This is one of the best and most important reasons to partner with a contract research organization that understands marketing. Companies can spend millions and millions of dollars studying a dietary supplement for cancer, but at the end of the day, they are never going to be able to talk about that clinical study because dietary supplements - at least in the US- are not allowed to make any of these disease claims.

Partnering with someone like Atlantia, who understands the full scope of how you potentially will be using this in your marketing and how to set up the study correctly, can save you a lot of money and stress, both upfront and in the big picture.

TD: In comparison, partnering with someone like Asa, who is a regulatory expert, to deliver that advice, allows clients to define and set up a well-designed study.

When do you both think the FDA may approve CBB for use that is higher than 0.3 THC?

AW: There are a few progressive bills currently in Congress which are not likely to pass. However, one of the good things is that they continue to move the conversation forward. These bills - such as HRA 41 Congress - get the conversation out there, and more and more people are talking about it. Congress continues to hear from their constituents how a lack of federal guidance is hurting them in this regard. For example,  if we consider Kentucky: there are a lot of hemp growers, but they do not have a way to sell their hemp CBD because of the unclear or unfavorable FDA position on hemp CBD right now. Issues are therefore coming up from a constituent level.

Image Credit: ShutterStock/fukume

TD: Within the European context, of course, there is a lot of variation from country to country. That 0.3% THC is allowed in some countries, 0.2% in others, and 0% in others. I am not currently sure whether there can be any consensus arising from EFSA. However, I do not see EFSA providing guidance that would be in excess of 0.3%: I simply do not think that is going to happen. I think there would be far too much objection to it in too many European countries – there are one or two exceptions where such countries would be quite happy to see higher levels. I think, in general, however, most European countries would not like to see a situation where CBD had more than 0.3% THC.

What is the greatest impediment to global growth within the CBD category of supplements as a whole?

AW: There is still a stigma that is attached to hemp CBD. Believe it or not, many people out there - perhaps even the majority of people-  still think hemp CBD is marijuana. This collective consciousness is only going to change through continued education. As a result of this continued education, we are going to open up new groups of consumers.

From a global governance perspective, no government wants to open up trade for a product that could be dangerous. This is, therefore, one of the reasons why I personally think that broad spectrum extracts have a strong future. Broad spectrum is the full spectrum with the THC removed. Broad spectrum extracts that have safety data to back them up will be well-positioned to continue to grow. Not just in the US market, but globally as well.

TD: I believe that there are serious impediments to CBD moving forward with health claims. The main impediment is that those studies are going to be expensive to conduct. Unfortunately, the companies will take the view that with so many supplements out there, they will never be able to get enough market share to actually recoup the value, the money that they have invested in the studies.

Ideally, we would like to see CBD with appropriate health claims, and I know that some companies are working in this space. However, this is a very high hurdle because you are competing against other companies who will have no such data but will nonetheless take a share of the market from the companies who themselves have the data necessary to market CBD in the health space.

Image Credit: ShutterStock/elenavolf

What is your stance on Delta-8?

AW: The FDA previously sent out a consumer update about the dangers of Delta-8 last month. Now, the FDA do not send out consumer updates like this for anything, so when they do, companies and industries should listen. After this, the FDA sent out five warning letters to companies selling Delta-8 products. I would therefore consider that Delta-8 and others are in the category of biosynthetics or synthetic cannabinoids: they are unfavorable from a federal position, but they are also unfavorable from a state position.

Several states, such as New York State – a large market – have banned Delta-8 products. As a side note, Delta-8 is commonly manufactured with solvents, such as toluene, which can be really dangerous if they are consumed. Some Delta-8 manufacturers also may not have process control. It would therefore be dangerous if a company did not have good process control, included toluene in their product, and then this product was smoked.

Delta-8 also creates a really strong effect. If a child consumed Delta-8, or for instance, a person unaware of the risk took Delta-8 before driving, this could be significant and dangerous. Companies could get sued; people could get hurt; there could be a spike in 911 calls – simply put, the consequences could be terrible.

If companies want to sell Delta-8, there are certainly risks, but the bare minimum of compliance is to ensure that there is childproof packaging, that every lot is tested for solvents such as toluene, and that there is proper psychoactivity warning on the label.

TD: In a European context, Delta-8 is illegal in most European countries.

We’re seeing CBD being used in a lot of different health areas. How can we keep up with the demand, but also do it in a way that will deliver us the sufficient data that we need to market?

TD: You do not have to spend a fortune to come up with good data. If I want to show that a CBD product improves sleep quality, not that it has any effect on insomnia, there are excellent ways of doing that. We have published several studies based on students who were doing exams, and we looked at their quality of sleep over two academic semesters.

It was a probiotic we were testing. We gave them the probiotic or placebo during the test in one semester, and in the other semester, we gave them the alternative treatment. We then looked at their sleep quality during the two semesters. This is considered a crossover design. As a result of that, the number of subjects required in the study is relatively small.

As it transpired, in one study, we found that a particular probiotic that we were working with improved the duration of sleep in the subjects who were doing the test over what we saw with placebo. Of course, one could have chosen an RCT and spent a fortune doing the same thing. However, the quality of the data at the end of the day may not be any better.

Image Credit: ShutterStock/FOTOGRIN

AW: I think a key point here is focusing on things that are not disease-related: occasional sleeplessness; occasional stress. If someone has sleeplessness that is ongoing or chronic, this could be implied that it is related to a disease, such as insomnia. When you consider quality of life markers, these may include feeling refreshed in the morning, having a good quality of sleep, having a healthy inflammatory response, and so on. However, keeping those implied disease words out of the conversation is key.

What is the future for CBD in the US?

AW: The current state of the industry is obviously tough. There have been several companies that came into the industry; there was a low barrier of entry, and now there has been a contraction. To sum up, the industry is really having a hard time. The large companies that are really able to move the dial with sales and marketplace development are waiting on the starting line for clear FDA guidance. As I mentioned, there are a couple of bills in Congress that are fairly strong but not likely to pass. Nonetheless, it is good that they are moving the conversation forward.

Regarding the future of CBD hemp in the US, my advice is for companies to act like they want to be regulated. If you consider an adjustable product – like a dietary supplement product – I suggest that companies that want to have a strong differentiation and market advantage invest in the rapid onset bioavailability studies.

For companies that want to gain market share, when these huge large companies come into the marketplace, having an NDI dossier (a New Dietary Ingredient dossier ready to submit on day one of clear FDA federal guidance) is essential.

So, if HR 841 in Congress passes, I believe it does require a component that companies do have to submit product safety through a new dietary ingredient notification. The timeline that they deliver is 180 days, but it takes longer than that to put together an NDI. Therefore, I would advise companies to plan for the future and act like a reputable dietary supplement regarding hemp CBD future in the US.

Image Credit: ShutterStock/Sunvic

TD: Within Europe, I believe CBD will fall within the category of supplements or novel foods. Now, novel food is a unique label within the European context because it refers to any food that was not consumed in any significant amount prior to May 1992.

Now, if a company wishes to promote CBD as a novel food, they have to make an application to EFSA, and they will certainly need good data in relation to bioavailability, they will need good safety data, and they will need good structure-function claim data as well. The barrier is, therefore, quite high for a novel food. I do believe that, with the right data, EFSA will deliver authorization to a company for a novel food.

If a hemp CBD company is not a market leader or key player with a net worth of millions, how can they strive to be responsible and invest in a key aspect to Improve their product?

TD: If a company really wanted to differentiate itself, I think there are a number of areas where that is possible without spending a fortune. We have alluded to one or two of them already. It is, therefore, one area in which it is possible to generate very high-quality data that the FDA or EFSA would be more than happy to regard as of a reasonable standard, and that would help to differentiate the product.

For instance, a client could spend millions on an RCT and it might end up with a negative study. In contrast, a judiciously conducted study in an area such as stress can yield quality data that differentiate the product from other CBD products on the market.

AW: It can be confusing for companies to know where they should start. Companies could start with an initial call with Atlantia and receive a sense of their future direction. It is good to know that you do not have to spend an arm and leg to get some good quality clinical data.

If studies are used in marketing on websites, are before-and-after photos acceptable? Secondly, as you generate information from studies and your data, how can you safely use that information on your website to know that you want to best market the data that you have, without running the risk of infringing the guidelines?

AW:  Imagery is considered marketing in the eyes of the authority. For example, let us consider a before-and-after picture: if it was some type of skin condition, such as acne, a before-and-after picture is considered marketing. We have to think of the consumer expectation or the totality of the advertisement.

Latterly, imagery has not been scrutinized as much as it has in the past, but it is certainly considered marketing. It is therefore important to be careful with before-and-after pictures, but really, the key point here is removing those ‘disease words.’ If we want to talk about clinical studies, it is vital to make sure that you do not have any high-risk disease words in your abstract, posted on your website,  in the study name or in the URLs.

URLs are considered marketing if they have a high-risk disease word within them.

In my opinion, several years ago, the FDA was a little more tolerant than it is today. Recently, however, in the hemp space, in particular, mentioning studies on commercial websites could invoke a hemp CBD warning letter. In my opinion, if COVID CBD studies had not been cited, no warning letter would have followed.

Image Credit: ShutterStock/Dionisvera

TD: It is good that the FDA is taking a negative approach to people using health claims and before-and-after images on their websites because if this were not the case, there would be no incentive to do research. This field will not move forward without data.

Data is what will drive the field forward. If you disincentivize people from doing research, then it clearly will damage the entire field. This is why I think it is positive that the FDA is imposing relatively strict standards and are not allowing certain companies who have no data to verify claims on their website to imply that their CBD product has helped users beyond their data.

Are there any final words of wisdom either of you would offer in terms of setting up your trial? What are the types of science and trials that a new company might start with as they look at entering the dietary supplement space with CBD?

TD: The essential point, in my opinion, is to engage in adequate discussion before you do any studies. Asa is the qualified representative in relation to the regulatory landscape, whilst Atlantia is obviously happy to discuss the potential designs relative to the market you wish to enter.

I think discussion is key: before you do any trials or before you design anything, make sure that you get enough information and discuss with the appropriate people so that the study you do put together is actually the study that will enable you to enter your chosen market.

From the regulatory position, what are your key takeaways for those starting in this space, or that have been established in this space and looking to grow?

AW: Companies that are looking to grow need to consider formulation, and differentiation, backed by some scientific substantiation. Essentially, this means coming up with really thoughtful formulas that bring together the best in nutraceuticals and what I like to call “the phyto-alliance.”

There are hemp cannabinoids; there are terpenes, and these are wonderful. When you put them together with other herbs, this can have a positive effect. Herbs like passionflower and skullcap work extremely well in combination with hemp cannabinoids and terpenes.

The phyto-alliance is undeniable. When we add other nutraceuticals-  such as GABA – the sky is truly the limit, but we need to have some data to prove that our product works and that it is safe. That is where a great CRO relationship such as this with Atlantia comes in.

About Atlantia Clinical Trials

Atlantia Clinical Trials Ltd is a CRO that specializes in conducting studies on foods, beverages, and supplements for companies worldwide that want to scientifically validate their functional ingredients to support an: EFSA (European Food Safety Authority) Health Claim; FDA (Food & Drug Administration) Structure Function Claim; or General Product Marketing Claim.

Atlantia works with world-leading scientists (among the top cited 1% internationally, in the areas of digestive health and functional foods) at the: APC Microbiome Institute in University College Cork, Ireland; Teagasc, Moorepark, Ireland, and recognized centers of excellence globally.

Atlantia runs and operates its own clinic sites and conducts all studies to ICH-GCP standard (International Council for Harmonization of Technical Requirements for Pharmaceuticals for Human Use - Good Clinical Practice). Its team includes physician experts in digestive health, mental health (psychological stress and cognition), cardiovascular health, sports performance, metabolic disease, bone health, immune health, and healthy ageing. The clinical team also includes project managers, research nurses, nutritionists, certified sports trainers and lab researchers.

Atlantia manages all elements from protocol design, placebo manufacture, recruitment, and study execution, to sample and data analysis, statistics, and report/dossier preparation to provide a service that is technically, scientifically, and clinically superior.

The clinical studies cover a broad spectrum of functional food and beverage categories, such as dairy, cereal, probiotics, different protein forms, infant-specific foods, vitamins/minerals, plant or marine extracts, and medical foods.

Mon, 01 Aug 2022 01:24:00 -0500 en text/html
Killexams : NEET UG 2022: National Testing Agency may release answer key tomorrow, check details here
The National Testing Agency (NTA) is likely to release the answer key for the NEET UG 2022 test on Friday. The same can be accessed at the official website -

It is pertinent to mention here that NTA has not released any specific date for the declaration of result or answer key yet.

Steps to check answer key:

- Visit the official website-

- click on the link that reads, “NEET UG 2022 Answer Key.”

- Enter your credentials and click on submit button.

If candidates have any objections related to the answer key, the same can be raised on the official website.

As per unconfirmed report, NTA is expected to announce the result on August 18.

NEET-UG is the qualifying entrance test for admission to Bachelor of Medicine and Bachelor of Surgery (MBBS), Bachelor of Dental Surgery (BDS), Bachelor of Ayurveda, Medicine and Surgery (BAMS), Bachelor of Siddha Medicine and Surgery (BSMS), Bachelor of Unani Medicine and Surgery (BUMS), and Bachelor of Homeopathic Medicine and Surgery (BHMS) and BSc(H) Nursing courses.

This year, about 95 per cent attendance was recorded in the medical entrance test NEET held on July 17. A total of 18,72,329 candidates had registered for the largest entrance test in the county, as per the NTA. This was the first time that the number of registrations for the NEET medical entrance exam surpassed 18 lakh.

The test was conducted at 3,570 centres in 497 cities, including 14 cities (Colombo, Kathmandu, Bangkok, Kuala Lampur Singapore, Dubai, Abu Dhabi, Muscat, Sharjah, Kuwait City, Doha, Manama, Riyadh, Lagos) outside India on Sunday. This year, a large number of aspirational districts were also added for the first time.

Disclaimer: This content is authored by an external agency. The views expressed here are that of the respective authors/ entities and do not represent the views of Economic Times (ET). ET does not guarantee, vouch for or endorse any of its contents nor is responsible for them in any manner whatsoever. Please take all steps necessary to ascertain that any information and content provided is correct, updated and verified. ET hereby disclaims any and all warranties, express or implied, relating to the report and any content therein.

Wed, 27 Jul 2022 20:25:00 -0500 en text/html
Killexams : Gaps in Representation of Women and Younger Scholars Among Medical Educators

(WASHINGTON, July 27, 2022) – Women make up just 37.7% of all speakers at hematology and medical oncology board review lectures, according to a study published today in Blood Advances. Its findings call attention to the many barriers people underrepresented in medicine face in obtaining educational opportunities that can be vital to career advancement and job security in academia.

Each year, students, trainees, and practicing physicians attend a collection of lectures given by leading practitioners in their selected medical specialty, in preparation to sit for their boards, a set of exams they must pass to practice medicine in the field. Speakers are selected based on their experience in medicine, interest in education, and professional accomplishments. Through their lectures, they inform their audience on what the board test will look like, how to tackle varying question styles, review test content, and offer test-taking strategies.

“Hundreds of people attend these lectures and speaking at them brings faculty tremendous visibility in their field,” said the study author Samer A. Al’Hadidi, MD, MS, a hematology and oncology physician at the Winthrop P. Rockefeller Cancer Institute. “Being selected as a speaker at these lectures is a prestigious opportunity that enhances professional development and advancement.”

Dr. Al’Hadidi and colleagues collected speaker data for all board review lecture series conducted annually or biannually between 2017 through 2021. They analyzed lecture titles, speakers’ names, gender, and institutional affiliation, lecture series location, and whether it was related to board certification in hematology, oncology, or both.

Their results showed that women make up roughly 37.7% of all speakers at hematology and medical oncology board review lectures. Notably, researchers found that these gender disparities only became more pronounced when sorted by subject area, with women representing 24.8% of speakers presenting on malignant hematology, 38.9% of those presenting on solid tumors, and 44.1% of speakers lecturing on classical (benign) hematology.

Investigators did observe an overall increase in female speakers over the years throughout the study period, suggesting that the field is becoming increasingly diverse.  In fact, women constituted over 50% of speakers at ASH’s courses in 2020 and 2021. In latest years, several institutions and medical societies have aimed to address this disparity by implementing working groups to promote the contributions of underrepresented minorities in hematology and oncology.

Notably, Dr. Al’Hadidi and colleagues also found that most speakers had more than 15 years of field experience since their initial certification. Choosing older and more experienced speakers over junior faculty not only keeps young professionals from engaging in educational opportunities but also poses a disadvantage for lecture attendees. Dr. Al’Hadidi explained that physicians who took their boards more recently are more likely to remember the broad scope of content the test encompasses. They will also be more familiar with the format of the test and be more likely to anticipate questions or content syllabus that could appear on the exam.

Limitations of the study include that authors were unable to weigh the perceived prestige of certain conferences over others, and how this may affect the value of lecture opportunities. They also did not factor in the varying levels of institutional support speakers may have been given to leave work and deliver the lectures, which may also have been a barrier to entry for those invited who could not take leave.

Looking forward, Dr. Al’Hadidi explained that one way to Improve speaker representation is to work with academic institutions to get more women and junior faculty on lecture organizing and planning committees. He also pointed out that while women make up nearly half of medical students in the U.S., and more than half of physicians in select practices like family medicine and pediatrics, they still face disadvantages in many specialties and in obtaining academic opportunities.

“I’m hopeful that when we reassess these findings five years from now, we’ll continue to see improvements, and hopefully have reached or be close to reaching that 50:50 ratio of male and female lecture speakers,” said Dr. Al’Hadidi. “Increasing female and junior faculty representation in this space will help junior faculty and women obtain academic appointments, stay in academia, and increase career satisfaction.” 

 # # # 

Blood Advances is a peer-reviewed, online only, open access journal of the American Society of Hematology (ASH), the world’s largest professional society concerned with the causes and treatment of blood disorders.

Blood Advances® is a registered trademark of the American Society of Hematology.


Kira Sampson, American Society of Hematology; 202-499-1796

Disclaimer: AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert system.

Wed, 27 Jul 2022 02:12:00 -0500 en text/html
Killexams : Administrative measures relating to medical devices in China

On October 1 2021, the Administrative Measures for Registration and Record-Filing of Medical Devices came into force. The Administrative Measures for Registration of Medical Devices, effective from October 1 2014, was terminated at the same time.

Under Chapter 4 of the new measures, Section 1, Special Registration Procedures, is closely related to IP rights. This section provides the registration procedures for innovative products under Articles 68 to 72. Below are the details of these articles.

Article 68 of the measures regulates the scope of the innovative products that are eligible for registrations. Specifically, there are three requirements:

1. Core technology of the invention

The measures put forward requirements of novelty for the core technology of the products. The article stipulates that:

  • The applicant should have obtained the patent ownership in China;

  • The applicant should have obtained the right of use for the core technology of the invention in China, and the application for the core technology invention patent should have been made public; or

  • A retrieval report should be issued by the Patent Retrieval Consulting Centre of the China National Intellectual Property Administration (CNIPA) to indicate that the core technology applied to the product is novel.

2. Finalisation of product

The measures specify the completeness of an innovative product and the authenticity of its research and development. The essence of the product should be finalised, the research process should be authentic and controlled, and the research data should be complete and traceable.

3. Pioneering in China and leading the globe

The measures define the advancement and clinical application value of an innovative product. These measures require that the working principle or mechanism of the product should be the first of its kind in China, and that the performance or safety of the product shows a fundamental improvement compared with similar products.

The technology applied to the product should also advance the existing technology globally, and the product should have significant clinical value.

Article 69 of the measures regulates the time for applying the registration procedure for innovative products, instructing that the applicant should apply for the examination of innovative medical devices to the National Medical Products Administration (NMPA) after the product is substantially finalised.

Article 70 states that the NMPA and its relevant departments should assign a specific person to provide timely communication and guidance to the applicants for the registration.

Articles 71 and 72 respectively provide for the circumstances in which the procedure for the registration of innovative products can be terminated, and the circumstances in which the registration of innovative products is no longer applicable.

Advice for overseas applicants

The above innovative product registration procedures do not limit the eligibility of applicants. Both domestic and overseas applicants are eligible to submit corresponding technical data and supporting documents to register their products.

Overseas medical device enterprises should utilise this innovative product registration procedure to accelerate the registration process for their medical devices. According to the recently introduced measures, these procedures put a strong focus on the novelty of the products. The IP authorities determine the novelty of a product mainly on the grounds of whether the core technology has obtained an invention patent.

Therefore, if overseas enterprises consider utilising these procedures, they should be mindful of the patent mapping relating to the core technologies of their pioneering products in China, and seek to apply for a Chinese patent as soon as possible.

If any medical enterprise applies for patents in China by taking advantage of the Paris Convention for the Protection of Industrial Property or the Patent Cooperation Treaty (PCT), they should try to expedite the process for the application to enter into China. If necessary, they may regard China as a priority country or CNIPA as the receiving agency for PCT applications.

During the application, overseas enterprises should entrust the Patent Retrieval Consulting Centre of CNIPA to issue a retrieval report to prove the novelty of their technologies, thus shortening the registration time. In addition, the process data and test data of the research and development should be properly kept for reviews during the registration process.

The innovative products registration procedures are latest introductions, replacing the Administrative Measures for Registration of Medical Devices. The implementation of this special approval procedure, and the appointment of a specific person at the NMPA to provide timely communication and guidance, fully shows the importance of these procedures.

Companies that possess advanced technology products should take advantage of these procedures to accelerate the registration of their innovative products to seize market opportunities. The administrative measures also encourage research and innovation around medical devices in China, and foster the rapid and high-quality development of the medical device industry.

Tue, 02 Aug 2022 03:10:00 -0500 en text/html
Killexams : NEET 2020, JEE Main Exams Dates Announced; Here Are The Details

New Delhi: Union Human Resource Development (HRD) Minister Ramesh Pokhriyal ‘Nishank’  on Tuesday announced dates fros  engineering entrance test (JEE Main) and medical entrance test (NEET). While JEE Main examination will be held from July 18-23, NEET will be conducted on July 26.Also Read - JEE Main Admit Card 2022 LIVE: NTA To Release Session 2 Hall Tickets Today at Here's How To download

Also Read - Free Coaching For NEET, JEE Launched in Jammu Kashmir| Details Inside

The candidates who have registered for the test can visit the official website to download the admit cards which will be released soon. The admit cards will have details of the test centre, test city and session of the exam. Also Read - Asia University Rankings 2022: IISc Bangalore Only Indian Varsity to Make it to Top 50, 2 IITs in Top 100 | Check List

Interacting with students during a live session, Pokhriyal said that around 2000 online contents are available at online platform- Swayam, Swayam Prabha. Besides, candidates can also take help from the digital library for their study.

Preparation tips for JEE Main, NEET

– Revise syllabus from NCERT

– Limit usage of social media

– Solve mock tests

– Designate a separate place to study

– Online classes and youtube for doubt solving

The HRD minister also informed that the dates for CBSE class 10 and 12 exams will be announced soon.

Sun, 17 Jul 2022 11:59:00 -0500 en text/html
Killexams : Court sentences five people to 7-year jail term in MP Vyapam case

A special court here on Saturday sentenced five people to seven years jail term for rigging a Pre-Medical Test (PMT) conducted by the Professional Examination Board in 2009, known by its Hindi acronym Vyapam.

CBI Special Public Prosecutor (SPP) Ranjan Sharma said that in the year 2009, Sanyogita Ganj police had registered a case of cheating against six people during the PMT examination. In the examination, 2 students had sent two other people to take the examination in their place.

The accused are identified as Ravindra Dulawat, Satyapal Kustawar, Ashish Uttam, Shailendra Kumar and Sanjay Dulawat.

The court of Additional Sessions Judge (CBI) Sanjay Kumar Gupta convicted Shailendra Kumar, Satyapal Kastawar, Ashish Uttam, Ravindra Dulawat, Dr Sanjay Dulawat and Rampriya Das under sections 419, 420, 471, 467, 468, of Indian Penal Code and Examination Recognition Act provisions.

The court also imposed a fine of Rs 10,000 each on them.

CBI Special Public Prosecutor further said that the court found the five guilty after examining 70 witnesses.

"Shailendra Kumar was found giving the examination in place of Satyapal Kustawar, a student of MGM Medical College and in place of Ravindra Dulawat, Ashish was giving the best exam. Both of them were approached by middleman Dr Sanjay Dulawat and Rampriya Das," said Ranjan Sharma.

After the came to light in 2009, the Special Investigation Team (SIT) was formed in this case, as the investigation progressed, the cases went on increasing and the CBI had taken over the investigation following a Supreme Court order in 2016.

The court however acquitted Rampriya Das because of lack of evidence against him, he added.

(Only the headline and picture of this report may have been reworked by the Business Standard staff; the rest of the content is auto-generated from a syndicated feed.)

Sat, 30 Jul 2022 18:07:00 -0500 en text/html
Killexams : NEET UG 2022 Exam: Medical test records 95% attendance with record 18.72 lakh applicants
  • About 95 per cent attendance was on Sunday recorded in the medical entrance test NEET
  • Breaching the 18-lakh mark, a total of 18,72,329 candidates had registered for largest entrance exam
  • This was first time that number of registrations for NEET surpassed 18 lakh

NEET UG 2022: About 95 per cent attendance was on Sunday recorded in the medical entrance test NEET, which had received the highest number of applicants ever, according to National Testing Agency (NTA) officials.

Breaching the 18-lakh mark, a total of 18,72,329 candidates had registered for the largest entrance test in the county of which 10.64 lakh were female.

“About 95 per cent attendance was recorded today,” a senior NTA official said.

This was the first time that the number of registrations for the NEET medical entrance test surpassed 18 lakh, a considerable increase of over 2.5 lakh from 2021.

Last year, the NEET-undergraduate test was held on September 12, with over 95 per cent of the registered candidates appearing for it. Over 15.44 lakh candidates appeared for the exam, which was conducted at 3,858 centres.

Of these, at least 8.70 lakh students had qualified.

Sun, 17 Jul 2022 04:33:00 -0500 en text/html
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