Fast Track Underwriting - Customer Medical Questionnaire
Stomach and bowel disorders (not crohn's disease or ulcerative colitis) Name of customer applying for cover Application number Financial adviser Guide to filling in this questionnaire 1 Make sure you fill in the customer details above.
2 You should read the important note below about telling us about material facts.
3 Please complete the questionnaire, providing as much details as possible about your medical history.
4 Read through the answers you have given and the declaration and sign it, on the last page of this form.
Important note – Telling us about material facts
Please read the information below carefully – ask your financial adviser if you have any questions.
• You must tell us everything relevant when filling in this questionnaire. If you do not, or if any of the answers to these questions are not true and complete, we could treat the plan as void. If this happens there will be no cover under the plan and we will not refund the payments. In these circumstances we willnot pay a claim. A relevant fact (material fact) includes anything that a reputable insurer would treat as likely to influence their decision to provideinsurance. If you are not sure whether something is relevant, you should tell us anyway. If there is anything not covered by the questions on this form thatyou think we should know, please tell us in the "further medical information" section. • We will rely on what you tell us and you must not assume that we will automatically confirm with your GP or any other doctor any information that you provide. If relevant, you can consult your GP about the questions on this form, but we cannot cover the cost of your doctors time. You can provideany highly confidential information direct to our Chief Medical Officer in a sealed envelope and give this to your financial adviser. In these circumstancesyou must refer to this information when answering your health questions.
• You do not need to tell us about any genetic test (that is, analysis of chromosomes, DNA or RNA to detect genetic abnormalities in individuals) which you may have had. However, you must tell us if you are having treatment for or experiencing symptoms of a genetic condition. We may also ask you to giveus full information about your family history, including all genetic conditions.
• You must tell us in writing about any change in your personal medical circumstances or family history or dangerous pursuits you take part in between the time you apply for cover and the time cover begins.
) 0-12 1VE (R483 5ILA Stomach and bowel disorders (not crohn's disease or ulcerative colitis) What is the nature of the condition you suffer from (for example, reflux oesophagitis, coeliac disease, irritable bowel syndrome, spastic colon,ulcer, Barrett's Oesophagus, indigestion, heartburn, or other)? When was the condition diagnosed or when did you first experience symptoms? Please describe your symptoms when you were diagnosed.
About your current symptoms.
• What are they? • Are these ongoing? • Are they getting worse, more severe, stable or considerably improving? • When did you last have symptoms? • What is the typical length of time between episodes or significant symptoms? Have you ever had any tests or investigations carried out in connection with this condition (examples include blood tests, endoscopy, ultrasound,colonoscopy, gastroscopy, barium meal or enema, biopsy or other)? If ‘Yes', please give details including dates and results. Dates dd / mm / yyyy Results Details of test done Do you currently take medication or other treatments for this condition (for example, Colofac, gluten-free diet, Fybogel, Zantac, Motilium,Tagamet, triple therapy, Proton pump inhibitor, Nexium, Losec or other)? If ‘Yes', please give details including names, doses and how often Names of medication Have you taken any other medication or treatments in the past for this condition? If ‘Yes', please give details including names, doses and how often.
Have you ever been treated in hospital for this condition? Yes If ‘Yes', was it: • inpatient (overnight or longer)? Yes Dates dd / mm / yyyy Details and length of stay • outpatients? Dates dd / mm / yyyy • accident and emergency? Dates dd / mm / yyyy Have you ever had surgery for the condition? If ‘Yes' give dates, details and procedure carried out.
Dates dd / mm / yyyy What has your GP or specialist told you about whether your condition is fully controlled or not? Please give details .
Stomach and bowel disorders (not crohn's disease or ulcerative colitis) Are you waiting for or considering any future investigations or to see a specialist about this condition? If ‘Yes', please give details. Have you ever taken time off work or had difficulty carrying out your normal activites with this condition? If ‘Yes' give the dates and reasons. Dates Reasons Were you given any specific health advice or suggested lifestyle changes by any health professional about this condition ? If ‘Yes', please give details.
Please provide any other information on this condition which you feel may help us assess your application for cover.
) 0-12 1VE (R483 5ILA Doctors and specialists you have seen Please fill in the name and address of doctors and specialists you have seen.
Further medical information Please use this space if you need more space to fill in your answers.
Please review the answers given in this questionnaire and then read, sign and date this declaration.
I agree that this questionnaire will form part of my application for cover to Irish Life Assurance plc.
I have read and understood the note on the first page of this form about telling Irish Life about material facts and I understand that if I do notreveal all these facts, Irish Life could treat the plan as void and in these circumstances Irish Life will not pay a claim or refund my payments. I have read over the answers to all the questions on this form and declare that all statements (including any statementswritten down for me) are true and complete. I understand a copy of this form is available to me if I ask.
I understand that this cover will not start until you have accepted me for cover and I have paid the first premium.
I understand that I must tell you in writing about any changes in my personal medical circumstances, family history or taking part in dangerouspursuits before this cover starts.
Lower Abbey Street Irish Life Assurance plc is regulated by the Central Bank of Ireland. In the interest of customer service we will record and monitor calls.
Irish Life Assurance plc is registered in Ireland number 152576, VAT number 9F55923G.


Alcohol and drug screening of occupational drivers for preventing injury

Alcohol and drug screening of occupational drivers for preventing injury (Review) Cashman CM, Ruotsalainen JH, Greiner BA, Beirne PV, Verbeek JH This is a reprint of a Cochrane review, prepared and maintained by The Cochrane Collaboration and published in The Cochrane Library2009, Issue 2 Alcohol and drug screening of occupational drivers for preventing injury (Review)Copyright © 2009 The Cochrane Collaboration. Published by John Wiley & Sons, Ltd.

A Farewell to Fossil Fuels: Answering the Energy Challenge Amory B Lovins. Foreign Affairs. New York: Mar/Apr 2012. Vol. 91, Iss. 2; pg. 134, 13 pgs Abstract (Summary) Nearly 90% of the world's economy is fueled every year by digging up and burning about four cubic miles of the rotted remains of primeval swamp goo. With extraordinary skill, the world's most powerful industries have turned that oil, gas, and coal into affordable and convenient fuels and electricity that have created wealth, helped build modern civilization, and enriched the lives of billions. Yet today, the rising costs and risks of these fossil fuels are undercutting the security and prosperity they have enabled. The next big shift is to raise electricity productivity faster than the economy grows -- starting with the US' 120 million buildings. Even though US buildings are projected to provide 70% more total floorspace in 2050, they could use far less energy. The US cannot afford to keep waiting for a grid-locked Congress to act while the global clean-energy revolution passes it by.