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You are now in the third step of your quest for affordable life insurance. By now you should have decided whether you want a term life insurance policy or a whole life

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

policy or a combination of both.

You should also have determined the amount of coverage that you will need to properly cover your situation. Now you are ready to star

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

getting quotes to find out more specifically what your options are.

The first thing you should do is get together all of the information you will need to answer all t

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

e questions so that you can get an accurate quote. Some of the information you need will be obvious; your name, gender and age are the standard information to start a q

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

ote. Most companies will also want contact information; phone number and address.

In most cases they will also request some information that might not seem so obvious

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

if this is your first time requesting a life insurance quote. In many cases they will also request your height and weight. With this information they will calculate y

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

ur Body Mass Index and if this number is outside of what is considered the norm you may find that you have to pay a higher premium. The reason for this is that it has

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

een medically proven that overweight people have a statistically higher rate of many disorders that increase the risk of an early death.

You will be asked if you smoke

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

and frequently how often and how much alcohol you drink. The reason for both of these questions should be obvious; it is a well-documented fact that cigarette smoking

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

is a contributing factor in many life-threatening disorders. Excessive alcohol consumption is also well known to lead to some serious health complications.

You may al

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

o be questioned about your line of work. This can also affect your rate if you work in what is considered a high-risk industry. The insurance companies consider you t

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

be at a higher risk of accidental death.

They may even enquire about your hobbies and activities. If you regularly participate in what are considered to be high-risk

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

activities you might be looking at a higher premium. Some things that they may consider high-risk activities are: rock climbing, skydiving and hang gliding.

The next

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

rea that you can expect to answer a lot of questions about our past health issues. Don’t think that just because you have not had any health issues that you are safe,

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

hey will also ask about your family health history at least two generations (grand parents) back.

They will want to know if you have suffered from seizures, cancer, he

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

rt disease, diabetes, liver dysfunction just to name a few. They will also need to know your family health history for many of the same disorders. You will be asked a

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

out any major surgeries, including when they happened and what they were for.

If you personal or family health history could be an issue or if you participate in activ

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

ties that are considered risky you might be tempted to be less than truthful on your application. Resist the temptation; any failure to honestly disclose your health h

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

story and life style could put your pay out at risk when your family needs to collect. You could end up leaving your family completely unprotected if you are not hones

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

on your application.

Get your information together and be sure that you have the answers to all the most common questions and then it is time to start finding a quote

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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