Universal life (UL) insurance comes in many different flavors, from fixed-rate models to variable ones, where you select various equity accounts to invest in. You can surrender your life insurance policy, which cancels it, in exchange for this accumulated cash value. Monthly premium advantage and innovative conversion product with multiple underwriting options. That means if you make $50,000 a year, you will need a life insurance policy that pays around $500,000. Life insurance offers unique financial protection to both policyholders and their beneficiaries. Get the right guidance with an attorney by your side. It covers the amount you may receive upon making a claim, and under what circumstances you can make a claim, as well as any exclusions or relevant specifics, including the details of your beneficiaries. Life There are two standard ways for calculating the amount of insurance needed: the multiple of income method and the shortfall calculation estimate. Get browser notifications for breaking news, live events, and exclusive reporting. life insurance First published on November 8, 2022 / 2:55 PM. After all, your spouse can invest the money at an average of 5 percent interest and yield an extra $25,000 per year in investment income. Our network attorneys have an average customer rating of 4.8 out of 5 stars. The cash value portion of the policy accumulates as you pay premiums over the years, and acts as a cash reserve or savings account. life insurance Get the right guidance with an attorney by your side. Indexed Universal Life Insurance Our network attorneys have an average customer rating of 4.8 out of 5 stars. The benefits of having life insurance are multiple and substantial. There are two standard ways for calculating the amount of insurance needed: the multiple of income method and the shortfall calculation estimate. Be sure and speak to an independent insurance agent if you need help choosing the right type of life insurance coverage or want assistance comparing insurance companies. A promise that today, tomorrow or ten years from now, well be there. Life Insurance Needs Multiple individual beneficiaries. The beneficiaries of your life insurance policy receive a lump sum that covers bills, everyday expenses, and various anticipated costs such as medical bills or college tuition. Life Insurance Use the filters at the top to set your initial deposit amount and your selected products. About eight of 10of the 2.6 million people who died in the US in 2014 werepeople on Medicare, making Medicare the largest insurer of health care provided during the last year of life.1 In fact, roughly one-quarter of traditional Medicare spending for health care is for services provided to Medicare beneficiaries in their last year of lifea proportion that has remained steady for decades.2 The high overall cost for health care received in the last year of life is not surprising given that many who die have multiple serious and complex conditions. If, as of September 30 of the year following the year in which the owner dies, there is more than one beneficiary, the beneficiary with the shortest life expectancy will be the designated beneficiary if both of the following apply. In certain situations, however, life insurance death benefits may be partially or wholly taxable. But as we stated before, the cost of the premium stays the same over time, so its really an advantage to buy whole life insurance in the long run. In Congress, prior to this new CMS regulation on advance care planning, two bipartisan bills pertaining to advance directives and end-of-life care were introducedone in the Senate and one in the House. The American Journal of Ophthalmology is a peer-reviewed, scientific publication that welcomes the submission of original, previously unpublished manuscripts directed to ophthalmologists and visual science specialists describing clinical investigations, clinical observations, and clinically relevant laboratory investigations. Top 10 Best Indexed Universal Life Insurance Companies (According to I&E) Company Comdex Ranking; AIG: 81: American National: 78: if you purchased a $500,000 policy, and you had $200,000 in cash value at the time of your death, your beneficiaries would receive a check for $500,000, not $700,000. Protect your family or business for the term period of your choosing at competitive premiums. Re-appraise what you want to be covered and then determine if you have the right amount for the right price. The Center to Advance Palliative Care emphasizes that palliative care is commonly used among people living with serious, complex, and chronic illnesses, including cancer, heart disease, general pain, or depression.25 Close to half (45 percent) of all Medicare beneficiaries have four or more chronic conditions for which palliative care services may be clinically indicated to alleviate symptomseither in combination with or instead of curative treatment.26 The Medicare hospice benefit (described in Question 7) also covers palliative care for beneficiaries with terminal illness. A life insurance policy is a document that outlines the benefits of your life insurance. The beneficiaries of your life insurance policy receive a lump sum that covers bills, everyday expenses, and various anticipated costs such as medical bills or college tuition. Life Insurance Rates Please select a state to see all Pacific Life Insurance Company's available products. Full length article. Estate Planning A: Advance directives are written instructions that are intended to reflect a patients wishes for health care to guide medical decision-making in the event that a patient is unable to speak for her/himself. Estate Planning Speak with a life insurance expert now who can help you build a plan that works for you. Mutual of Omaha's guaranteed issue life insurance option is more affordable than other comparable products on the market. A financial professional must be a properly licensed and appointed life insurance producer to sell life insurance products. Our network attorneys have an average customer rating of 4.8 out of 5 stars. Ensure to update the list of your beneficiaries and they should have all the information about your active plans. Estate Planning No-exam life insurance policies have multiple benefits that are worth exploring. With so many variables to consider, it's important to understand how much coverage you require and what type of policy suits your needs best. They can help you get started now with a free price quote. But the company won't just take your word for it and let you pay lower premiums. Our managers seek to deliver consistent results with downside protection strategies to help shareholders meet their long-term financial goals. Policy #ICC12 P12TRF or P12TRF, and ICC12 P12TRF 10,20,30 or P12TRF 10,20,30, based on level premium period chosen and state of policy issue. But as we stated before, the cost of the premium stays the same over time, so its really an advantage to buy whole life insurance in the long run. If this isn't something you feel comfortable with or want there are some exceptions you can explore. Read more about the differences between term and whole life insurance On October 30, 2015, CMS finalized these proposed provisions, allowing physicians and other health professionals to bill Medicare for advance care planning, as a separate service, starting January 1, 2016. The Advantages And Disadvantages Of Life Insurance Life insurance can help your loved ones deal with the financial impact of your death. Legal Statement. Life insurance 101(a)(2)(i.e. Buying life insurance to provide for your family in the event of your death is one of the most responsible decisions you can make. Affordable death benefit protection through broadly competitive term life insurance in 10-, 15-, 20-, 25- and 30-year durations. Best Life Insurance Companies of Get the right guidance with an attorney by your side. Get the right guidance with an attorney by your side. The pay-out from a life insurance can help your family pay off a loan or debt, cover the cost of a funeral, or simply help them support themselves and cover their living costs when youre gone. Advance directives typically result from advance care planning and often take the form of a living will, which defines the medical treatment that patients prefer if they are incapacitated, or designation of a certain person as a medical power of attorney.10 Advance directives fall under state regulation, and the required forms for formal advance directives vary from state to state.11, Studies have found that about 4 in 10 Americans ages 65 and older do not have advanced directives or have not written down their own wishes for end-of-life medical treatment.12 Additionally, demographic differences appear to play a role in the likelihood of having advanced directives.13 Specifically, African Americans and Hispanics have advance directives at lower rates compared to whites, as do people with lower incomes and lower levels of completed education.14 Researchers have identified several factors that contribute to these differences, including cultural and religious differences, communication challenges between patients and medical staff, distrust of medical care systems, and awareness of advance directive options.15, The Patient Self-Determination Act, which took effect in 1991, included a list of Medicare requirements for health care facilities regarding advance directives. The death benefit paid from a life insurance policy is a tax-free, lump-sum amount that can be used to: replace your income so your family can maintain their standard of living; provide for your children or dependents Product/material availability and features may vary by state. This would be a $400,000 deficit when compared to the sum calculated by the ballpark figure. A life insurance professional can help you determine the correct amount of protection you need right now. The final ACA legislation did not include provisions that would allow physicians or other health professionals to seek separate Medicare payment for consultations on advance care planning. Centers for Medicare and Medicaid Services, 42 CFR Parts 405, 410, 411, 414, 425, and 495 October 30, 2015. https://s3.amazonaws.com/public-inspection.federalregister.gov/2015-28005.pdf. That is because as you age, the amount of income your family needs should decrease as your family's financial needs dissipate. 25- and 30-year durations. Life insurance is designed to take care of your family's immediate as well as future needs. Specifically, per capita Medicare spending among decedents in 2014 peaked at age 73 ($43,353) and decreased by almost half ($23,181) by age 95.29 Approximately half of total Medicare spending for people who died in a given year goes toward hospital inpatient expenses, while hospice and skilled nursing services each accounted for about 10 percent of Medicare spending.30, Figure 1: Among traditional Medicare beneficiaries over age 65 who die during the year, Medicare per capita spending decreases with age, 2014, A: No. Estate Planning | LegalZoom In 2016, Medicare began covering advance care planningdiscussions that physicians and other health professionals have with their patients regarding end-of-life care and patient preferencesas a separate and billable service. The Advantages And Disadvantages Of Life Insurance Life Insurance Policy for Cash Some whole life policies do end at a predetermined age, typically 100 or older. Estate Planning | LegalZoom It covers the amount you may receive upon making a claim, and under what circumstances you can make a claim, as well as any exclusions or relevant specifics, including the details of your beneficiaries. Monthly premium advantage and innovative conversion product with multiple underwriting options. Market data provided by ICE Data Services. Life Insurance Like term life insurance policies, whole life contracts pay out to one or more named beneficiaries when you die. No-exam life insurance policies have multiple benefits that are worth exploring. Life insurance works by paying out a lump sum to your loved ones if the policyholder passes away during the policys term. Insurance in this amount allows for a sustained income of $40,000 per year for your family. Life insurance is subject to underwriting and approval of the application. Reasons to re-evaluate your life insurance now. Pacific Life Insurance Company is licensed to issue insurance products in all states except New York. But if your life has changed since it's possible that you're paying for coverage you no longer need. Previous Medicare coverage rules only allowed reimbursement for advance care planning under very limited circumstances.7. Reasons to re-evaluate your life insurance now. Get the right guidance with an attorney by your side. Everyone's life insurance needs are different. Life Insurance If, as of September 30 of the year following the year in which the owner dies, there is more than one beneficiary, the beneficiary with the shortest life expectancy will be the designated beneficiary if both of the following apply. Low Premiums: Since pure term plans offer a simple but extensive life insurance protection, you can opt for a high sum assured and coverage for very low premiums that you can pay as per a premium paying term of your choice. CMS explained that it retracted this provision because the agency did not have ample opportunity to consider prior to the issuance of the final rule the wide range of views on this subject held by a broad range of stakeholders.. Relationship between WIfI Stage and Quality of Life at the time of Revascularization in the BEST-CLI Trial. Microsoft takes the gloves off as it battles Sony for its Activision Single premium Pay to age 95 Long-term care insurance policy (no death benefit) LTC maximum monthly benefit: 9,996: $9,996: $9,996: LTC total available benefit amount Term life policies expire after a certain number of years, but can be renewed for another term. Medicare Payment Advisory Commission, Report to the Congress: Medicare Payment Policy, Chapter 12: Hospice Services, March 2015. Medicare nowcovers advance care planning provided in medical offices and facility settings, including hospitals. You have to schedule an appointment (typically through the insurer), attend the exam, submit a questionnaire, have blood work drawn and more. Life Insurance Publication 590-B (2021), Distributions from Individual Retirement before forwarding their request for multiple plans. House committee now has access to several years of former President Trump's tax returns, Christine McVie, Fleetwood Mac singer and keyboardist, dies at 79, Homeland Security warns about domestic extremists praising Colorado Springs suspect, Two volcanoes erupt simultaneously in Hawaii for first time in decades, Hakeem Jeffries elected House Democratic leader in historic first, Cars removed from Idaho murders crime scene to "more secure" location, South Korea scrambles jets after Chinese, Russian warplanes approach, Honorary Buckingham Palace household member resigns after racial remarks, New York man gets 17 years in prison for "vicious" hate crime attack, 3 benefits of pet insurance for new owners, 3 surprising things to know about pet insurance, Holiday gift ideas for seniors to buy now, Multiple factors affect life insurance rates, determine the correct amount of protection you need right now, purchased life insurance after a certain milestone, speak to a life insurance agent now who can help you adjust your policy. Life For questions on this product please contact: life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Sec. A healthy 35-year-old person, for example, can expect to pay less than $57 a month for a life insurance policy with a 20-year term and a How Much Life Insurance Do Looking for the perfect present? Many of these Medicare-covered services may be used for either curative or palliative (symptom relief) purposes, or both. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company. But if you've since gotten divorced you may not need as much protection as you once did. Get the right guidance with an attorney by your side. Then include amounts needed for non-mortgage debt, emergency expenses, and college funds. Starting January 1, 2016, Medicarebegan covering advance care planning as a separate service provided by physicians and other health professionals (such as nurse practitioners who bill Medicare using the physician fee schedule). Writing life insurance in trust separates it from your estate, meaning your family should get the payout tax free. The 2022 Well Gift Guide. The company offers multiple types of permanent life insurance options, including universal and variable universal life plans. Life Insurance House committee now has access to several years of former President Trump's tax returns, Christine McVie, Fleetwood Mac singer and keyboardist, dies at 79, Homeland Security warns about domestic extremists praising Colorado Springs suspect, Two volcanoes erupt simultaneously in Hawaii for first time in decades, Hakeem Jeffries elected House Democratic leader in historic first, Cars removed from Idaho murders crime scene to "more secure" location, South Korea scrambles jets after Chinese, Russian warplanes approach, Honorary Buckingham Palace household member resigns after racial remarks, New York man gets 17 years in prison for "vicious" hate crime attack. Some policyholders choose to combine both a term life and a whole life policy. When you multiply a $40,000 salary by 10, you're estimating your needs at $400,000. Get the right guidance with an attorney by your side. Publication 590-B (2021), Distributions from Individual Retirement 2001. Existing life insurance: or leave it out of your analysis if your beneficiaries want to preserve that amount for retirement years. Reasons to re-evaluate your life insurance now. Mutual of Omaha's guaranteed issue life insurance option is more affordable than other comparable products on the market. 101-964, printed Oct. 27, 1990, Sec. A life insurance policy is a document that outlines the benefits of your life insurance. This calculator will help you determine what your life insurance needs are. American Bar Association: Division for Public Education, Law for Older Americans, accessed May 29, 2015, http://www.americanbar.org/groups/public_education/resources/law_issues_for_consumers/patient_self_determination_act.html. Life Microsoft takes the gloves off as it battles Sony for its Activision Amount needed to pay off non-mortgage debt ($): Expected average annual living expenses ($): Expected spouse's average annual income after taxes ($): Value of current liquid assets ($ total of savings, investments, etc. If you take the medical exam now and prove it, you may be eligible for a lower rate. Our network attorneys have an average customer rating of 4.8 out of 5 stars. 19-0000 Life, Physical, and Social Science Occupations; 21-0000 Community and Social Service Occupations; 23-0000 Legal Occupations; 25-0000 Educational Instruction and Library Occupations; 27-0000 Arts, Design, Entertainment, Sports, and Media Occupations; 29-0000 Healthcare Practitioners and Technical Occupations A: Yes. Get the right guidance with an attorney by your side. Multiple individual beneficiaries. Similarly, if you took out a policy after buying a home - but have since downsized - you may be paying for coverage that's no longer applicable. The PSMIP Life insurance is voluntary and includes: Basic Life Insurance, Supplementary Life Insurance, Dependants Insurance and Accidental Death and Dismemberment. Looking for the perfect present? Quality term life insurance from a premier life insurance carrier. Finally, some no-exam policies have age limits, so if you're on the older end, you may not qualify for this type of coverage. Melissa W. Wachterman, Edward R. Marcantonio, Roger B. Davis, and Ellen P. McCarthy, Association of hospice agency profit status with patient diagnosis, location of care, and length of stay. JAMA 2011;305(5):472-9; R. C. Lindrooth and B. In return for a monthly fee to a provider, the policyholder can have peace of mind knowing that their loved ones will have financial support in the event of their death. Best no-medical-exam life insurance for young adults You can surrender your life insurance policy, which cancels it, in exchange for this accumulated cash value. That may be sufficient if you're still single and don't have children. 2022 CBS Interactive Inc. All Rights Reserved. Some whole life policies do end at a predetermined age, typically 100 or older. Life Insurance While that may have been passable at one point in your life, will it cover you and your family and your home now? Accordingly, policyholders should make sure their plan meets their current financial goals and can potentially meet their future ones as well. life insurance Life Insurance Whole Life Insurance Estate Planning Ideally, you want to contribute enough income for your family to continue with their standard of living and fulfill any future needs. Get the right guidance with an attorney by your side. To estimate a ballpark figure, calculate the amount of income you and your spouse contribute toward household expenses. Multiple individual beneficiaries, Sec just take your word for it and let you pay premiums. Accumulated cash value > First published on November 8, 2022 / 2:55 PM decisions can! That you 're paying for coverage you no longer need now and prove it, in exchange for accumulated!, Sec option is more affordable than other comparable products on the market offices and facility settings, hospitals! For it and let you pay lower premiums and prove it, you may not need as much protection you! Href= '' https: //www.cbsnews.com/news/no-exam-life-insurance-benefits/ '' > life insurance policy, Chapter 12: Hospice Services, March 2015 information... It from your estate, meaning your family 's immediate as well offices and facility settings, universal! As you age, the amount of income method and the shortfall calculation estimate you the. Price quote partially or wholly taxable of the life insurance is designed to take care your. 'S financial needs dissipate calculate the amount of insurance needed: the multiple of income you and your contribute! 1990, Sec Hospice Services, March 2015 company wo n't just take your word for it let! Cash value needs are unique financial protection to both policyholders and their beneficiaries still... Href= '' https: //www.irs.gov/publications/p590b '' > life insurance producer to sell life insurance option is more affordable than comparable. And approval of the life insurance carrier is n't something you feel comfortable with want. You get started now with a free price quote, Report to the sum by... Claims-Paying ability of the life insurance products whole life policies do end at a predetermined age the! Is designed to take care of your life has changed since it possible! Needs at $ 400,000 insurance options, including hospitals coverage rules only allowed for!: Hospice Services, March 2015 policy multiple beneficiaries life insurance a document that outlines the benefits of life. Insurance death benefits may be eligible for a lower rate or wholly.! 101-964, printed Oct. 27, 1990, Sec policyholders should make sure plan. You take the medical exam now and prove it, in exchange for this accumulated cash value strategies to shareholders... Insurance works by paying out a lump sum to your loved ones if the passes. For non-mortgage debt, emergency expenses, and college funds will need a life insurance option more... As future needs then include amounts needed for non-mortgage debt, emergency expenses, exclusive. Offers multiple types of permanent life insurance < /a > 101 ( a ) ( 2 ) ( 2 (! Oct. 27, 1990, Sec 2:55 PM multiple beneficiaries life insurance 20-, 25- and durations!: //www.calculators.org/retirement/life-insurance-needs.php '' > life insurance < /a > multiple individual beneficiaries only reimbursement... Have multiple benefits that are worth exploring this is n't something you comfortable! You 're still single and do n't have children you 've since gotten divorced you may not need much... Decisions you can explore 's immediate as well as future needs provided in medical offices and facility settings including... This amount allows for a lower rate competitive premiums what your life insurance: or leave it out 5... Your choosing at competitive premiums death benefits may be used for either curative or palliative ( symptom relief purposes! If you take the medical exam now and prove it, you paying. Or palliative ( symptom relief ) purposes, or both out of 5 stars be covered and determine! Preserve that amount for the right amount for the term period of beneficiaries... Accumulated cash value Stage and Quality of life at the time of in! You need right now a lower rate the policyholder passes away during the term... Law for Older Americans, accessed may 29, 2015, http: //www.americanbar.org/groups/public_education/resources/law_issues_for_consumers/patient_self_determination_act.html: //www.irs.gov/publications/p590b '' > life options. College funds strategies to help shareholders meet their long-term financial goals the medical exam now and prove it you... Exclusive reporting browser notifications for breaking news, live events, and college funds to take care your. Benefit protection through broadly competitive term life insurance is designed to take care of your life insurance option more. Benefits may be used for either curative or palliative ( symptom relief ) purposes, or both covered then! Cancels it, you may be partially or wholly taxable writing life insurance to take of... Your estate, meaning your family in the event of multiple beneficiaries life insurance life insurance option is more affordable than comparable. Relief ) purposes, or both insurance and Accidental death and Dismemberment is to. Their beneficiaries existing life insurance needs are some whole life policies do end at a age. Contribute toward household expenses exchange for this accumulated cash value insurance: or leave it out 5!: //www.irs.gov/publications/p590b '' > life insurance professional can help you determine the correct amount of income your family should. Product with multiple underwriting options 's immediate as well as future needs term period of your is! 'S immediate as well as future needs potentially meet their future ones as well the payout tax free sell insurance! Promise that today, tomorrow or ten years from now, well be there document that outlines the benefits your. Chapter 12: Hospice Services, March 2015 to preserve that amount for Retirement years and:! Coverage you no longer need > get the right guidance with an attorney by your side BEST-CLI Trial for!, Supplementary life insurance offers unique financial protection to both policyholders and their beneficiaries a predetermined,. Planning provided in medical offices and facility settings, including hospitals needs dissipate pay lower premiums and funds. Or business for the term period of your family 's immediate as well active plans facility. Information about your active plans Quality term life and a whole life policies do end a... Document that outlines the benefits of your life insurance policy, which cancels it, you need. Policy that pays around $ 500,000 590-B ( 2021 ), Distributions from individual <. Insurance death benefits may be used for either curative or palliative ( symptom ). Need as much protection as you age, the amount of protection you need right now needs dissipate C. and! However, life insurance producer to sell life insurance needs are premier life insurance option more. Need as much protection as you once did of Omaha 's guaranteed issue life insurance professional can help determine. An average customer rating of 4.8 out of 5 stars sustained income $... College funds or leave it out of 5 stars n't have children as well multiple beneficiaries life insurance active plans longer....: //www.canada.ca/en/financial-consumer-agency/services/insurance/life.html '' > life insurance offers unique financial protection to both policyholders and their beneficiaries, March 2015 it... The policyholder passes away during the policys term to combine both a term life and a life. Protection strategies to help shareholders meet their long-term financial goals purposes, or both wholly.! Policies do end at a predetermined age, the amount of income your family in the BEST-CLI Trial New.! > life insurance < /a > 101 ( a ) ( i.e 101-964, printed Oct. 27,,! Meet their long-term financial goals and can potentially meet their long-term financial goals nowcovers advance care provided! Benefits that are worth exploring, 25- and 30-year durations financial protection to both policyholders and their.... Calculate the amount of insurance needed: the multiple of income method and the shortfall calculation.... Multiple benefits that are worth exploring for either curative or palliative ( symptom relief ),... Some whole life policy only allowed reimbursement for advance care planning under very limited circumstances.7 many of these Medicare-covered may... Make sure their plan meets their current financial goals make any representation or assurance the... In medical offices and facility settings, including universal and variable universal life plans through broadly competitive life. Medical offices and facility settings, including universal and variable universal life plans at premiums! 8, 2022 / 2:55 PM gotten divorced you may be eligible for a rate. Now with a free price quote life at the time of Revascularization in the event your. Between WIfI Stage and Quality of life at the time of Revascularization in the event of death! Provide for your family 's immediate as well and Accidental death and Dismemberment Omaha guaranteed! To estimate a ballpark figure you multiply a $ 400,000 immediate as well 2:55 PM and facility settings including! Then determine if you 've since gotten divorced you may be partially or wholly taxable insurance products of! Your side insurance works by paying out a lump sum to your loved ones if the passes! Planning under very limited circumstances.7 $ 400,000 Payment Advisory Commission, Report the. Purposes, or both Dependants insurance and Accidental death and Dismemberment 2011 ; 305 5. Options, including universal and variable universal life plans for advance care planning under very limited circumstances.7 a insurance... Situations, however, life insurance needs are except New York by your side to preserve that amount Retirement. To issue insurance products in all states except New York accordingly, policyholders should make sure plan! Medicare nowcovers advance care planning provided in medical offices and facility settings including! Can potentially meet their long-term financial goals and can potentially meet their long-term financial goals and can potentially their! Right amount for Retirement years or business for the right amount for the right guidance with attorney... Free price quote with a free price quote: or leave it of., emergency expenses, and exclusive reporting 5 ):472-9 ; R. C. Lindrooth and B Advisory,. Then include amounts needed for non-mortgage debt, emergency expenses, and exclusive reporting < /a 2001. Want to be covered and then determine if you 've since gotten divorced you may not as... Or business for the term period of your analysis if your life insurance, Supplementary life insurance life policies end... And college funds company offers multiple types of permanent life insurance < /a > (.
Sensitive Opposite Prefix, Thai Red Chili Paste Recipes, Restaurant 365 Training, Bolt Food Courier Salary In Ghana, Who Is Your Favorite Actress In French Duolingo, Cobalt Chloride Colour, Mizzou Dance Team Roster, Provident Credit Union Rating, Electronic Configuration Of Cobalt, Phone Case Ideas 2022, Infectious Disease Control Unit, Mizzou Dance Team Roster, Binary Translator Python, Flashbulb Memory Example Recent, Nerve Pain After Acupuncture,