Justin DiMateo asked:


When a couple is facing an infertility diagnosis and treatment, choosing the right clinic is an important element in making the process as easy and painless as possible. Since most couples are not prepared for the emotional and physical toll that infertility can take, they may not realize that there are choices in treatment, doctors and clinics. By taking the time to take control of this very important decision, a couple can increase their odds of successfully surviving the process.

Fertility clinics are available across the country, so most couple will be able to find at least a couple in their area to consider. It is a good idea to read a book or two before beginning the interview process with clinics, since a little background information will go a long way in ensuring a couple gets the type of care they are hoping for. This will also provide the opportunity for a couple to discuss the process together before getting a doctor involved. That way, they will know exactly how far they are willing to go with the process and they will have a good idea of certain procedures or philosophies they may want to steer away from.

Looking at Statistics

One of the first things worth checking out with fertility clinics is their statistics for success. Listings like these can be found at websites like the Center for Disease Control and Prevention, where the numbers are updated periodically. However, it is never a good idea to simply select the clinic with the highest success rate. Before choosing a clinic, ask about why the numbers might be where they are.

A high success rate may indicate that the clinic is not willing to work with high risk cases - not a good choice for a couple who happens to fall into that category. It may also mean that the clinic is very aggressive in its treatment to ensure patients achieve success at all costs. This is also something to consider, since the risk of multiple births from aggressive treatment can prove to be riskier for mother and babies alike.

Who has Control?

Infertility treatments can produce a few ethical dilemmas, so it is important to ask question about the practices of fertility clinics that might interfere with a couple’s own values. For example, if the doctors at the clinic make all the choices in terms of how far to go with treatment or how many embryos to implant to increase the odds of conception, a couple may be forced out of their comfort zone. Couples who do not feel comfortable with procedures like selective reduction or the risks involved with multiple births need to make those preferences known to every doctor they interview. This will ensure that couples find the fertility clinics that most closely mirror their own values and preferences.

Searching through the multitude of fertility clinics may seem like a lot of work, but it is worth the effort to find a medical team that a couple is comfortable working with over the long term. Choosing the right fertility clinic will make the entire process a bit easier to bear and hopefully increase the odds of a healthy baby at the end.



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Vikram Kumar asked:


As the number of gay couples with a desire to achieve biological parenthood grows, there has been a growing demands for IVF (in vitro fertilization) pregnancy. Through the services of egg, or sperm donors, ovulation induction of egg donors, and gestational carriers, it is now common to utilize IVF to maximize chance of succeed.

Like the heterosexual couples, there are millions of gay people in the world who long to have child. The dreams are often unrealized due to the incapacity to access proper treatment!   With the help of advanced medical science as well as genuinely courteous treatment at XPert Fertility Care, located in San Diego and Orange County, it is now possible to get the solution of almost all the problems for gay couples.

At XPert Fertility Care in Orange County and San Diego, California, the infertility doctors firmly believe that the right to reproduce is a sacred liberty shared by all, irrespective of their sexual orientation. They offer a full range of services for gay, lesbian, bisexual, and transgender family building through IVF, egg donation, and surrogacy.

The IVF procedure involves three main steps: medically induced production of eggs by by ovulation induction of the egg donor, the creation and development of embryos through the harvesting and fertilizing of the eggs in the IVF laboratory, and lastly, the transfer and implantation of the embryos into the uterus of a surrogate carrier. 

The gay couples have the ability to choose either using sperms from one partner or both. Some do so by mixing their sperm before fertilization, while others opt to fertilize half the eggs with each sperm sample, so that the paternity of each embryo can be known, and the children can be chosen accordingly.

At XPert Fertility Care IVF clinics, more than 70% of egg donation or surrogacy IVF procedures yield successful pregnancies.

The American Society for Reproductive Medicine (ASRM), the leading voice in reproductive medicine, reminded fertility specialists of the ethical duty to treat persons with equal respect. It requires that fertility programs treat single persons and gay and lesbian couples equally with married couples in determining which services to provide.

Some claim a child raised by two dads or two moms is unhealthy. However, this perception is unsubstantiated. In fact, the American Society for Reproductive Medicine (ASRM),  found no “persuasive evidence that children raised by single parents or by gays or lesbians are harmed or disadvantaged by that fact alone, the Committee concluded that clinics have an ethical obligation to treat all requests for assisted reproduction equally, without regard to marital status or sexual orientation.”

There are several reasons why IVF clinics at Xpert Fertility Care of California  deserved as the best places where same sex couples can have the ivf pregnancy. 

Surety for best treatment: The main reason why most of the people choose Xpert Fertility Care of California for ivf pregnancy is that it provides surety for the best outcome with  impeccable IVF pregnancy success rates.

Reasonable prices: Xpert Fertility Care of California guarantees its work with Refundable IVF programs, Low Multiple IVF Packages. Unlike other clinics where people care more about the money than the care itself, at Xpert Fertility Care of California, the motive of this fertility clinic is to deliver an unbeatable quality of care at a reasonable IVF cost.



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edward hulse asked:


Confidentiality to the Insurance Prospect

In attempting to qualify a prospect completing a financial questionnaire, analyzing needs, etc., insurance agents are privy to an applicant’s personal and financial information. Personal information about a client should never be released without the prior approval from the client.

Full Disclosure

The agent not only has the responsibility of full disclosure to the insurer but also to the prospect or client.

In this situation, full disclosure means informing the prospect or client of all facts involving a specific policy so an informed decision may be made. This also accomplishes other goals as it helps clients:

•    Evaluate the relative costs of similar plans offered by a competitor.

•    Understand the basic features of insurance.

•    Select the most appropriate policy to meet the needs of the prospect/client.

•    There are two guides that are used by agents to help them comply with full disclosure

1.         NAIC Buyer’s Guide which was developed by the National Association of Insurance Commissioners as an aid to consumers who are thinking about the purchase of life insurance.  It explains the basic types of life insurance and provides the consumer with suggestions to aid in its purchase.  Included in the Buyer’s Guide is an explanation of the surrender cost indexes used in the Policy Summary.

2.       The Policy Summary includes two types of cost indexes; the life insurance surrender cost index and the life insurance net payment cost index.  The surrender cost index is useful to applicants who wish to compare cash values of policies.  The net payment index is helpful when a person compares the death benefits of policies.  Both guides are helpful to agents who wish to explain the features and benefits of the life insurance policy they are presenting.

The underwriting process for an insurance application can take time.  Most companies try to complete their underwriting process in 21 days, however, delays may occur.  Delays such as request for more information from the applicant, doctor reports, etc.  An agent should keep the applicant informed as to the process of the application.  For this reason, it is imperative that the agent be prompt in sending the application, after a thorough review, to the insurer.  Many underwriting delays occur simply because the application is not complete.

When an application is accepted, the agent should deliver the policy promptly.  At delivery the agent should review the policy’s features and benefits.  This will help solidify the sale and also convert the policy-owner into a client.

When an applicant is rated or declined, the agent is responsible to find out the reasons for such action.  Was it medical? Was it something that was overlooked by the underwriter?  Should additional information be provided?  In any event, the agent should be prepared to explain the rating or rejection to the client.

Assuming the rating or rejection is valid, the agent has the ethical responsibility to notify the client promptly.

Washington Insurance Continuing Education

Insurance Continuing Education



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