Wanda K. Vining Alber-Independent Benefits Consultant

Wanda K. Vining Alber-Independent Benefits Consultant Our products and services are designed to help policyholders stop worrying about expenses and start What insurance does for you !

If you've ever been out of work because of an accident or illness, you know there are two things that are increasingly hard to come by; Peace of Mind and REAL Cash Benefits. Insurance policies help provide both. No one wants to think that a serious injury or illness could occur, but shouldn't you consider how you and your family would manage if you were unable to work due to an injury or illness

? Insurance can make a difference to your well-being, your family, and your future. With heart disease being the leading cause of death in the US and strokes affecting 795,000 people each year Critical Care policies can help with the treatment costs. More importantly, the policy helps you focus on recuperation instead of the distraction and stress over the costs of medical and personal bills. That means as a policyholder you've got the security of knowing that you will still receive benefits. As long as cancer is in this world.. Its goal was to help protect families from the damage that cancer can do both physically and financially. By paying cash benefits to its policyholders. Today, millions of individuals and families are still battling cancer, but the fight has changed in many ways. The treatments have improved and so have the costs to treat. One day, cancer will cease to be a threat. In the US, men have a 1-in-2 lifetime risk of developing cancer; for women the risk is a little more than 1 -in- 3. Major medical can help with the costs of cancer treatment; you still have to cover the cost of deductibles, co-payments on your own. Additionally, cancer treatment out-of-pocket expenses that aren't covered by health insurance include; travel, food, lodging, long distance calls to family, child care and household help. Meanwhile, living expenses such as car payments, mortgages or rent, and utility bills continue, whether or not you are able to work. If a family member has to stop working to take care of you, the loss of income may be doubled. Insurance is helping you with the financial consequences of cancer that may not be covered by major medical insurance. Accidents happen to all kinds of people every day. Over 30 million people seek medical attention for an injury and almost 3 million of these were hospitalized. What financial impact of an injury mean to your security? Are you prepared for medical debts in addition to everyday household expenditures and lost wages? Out-of-pocket expenses associated with an accident are unexpected and often burdensome; perhaps the accident itself could not have been prevented, but its impact on your finances and your well-being certainly can be reduced. Becoming disabled is often an unexpected and burdensome experience, and it can happen to anyone. What if a disability interrupted your job, your income, and your financial security? How would you make your house or rent payment, cover day-to-day expenses? It's important to consider these questions because a disability could affect your well-being and your finances at a time when you should be concentrating on recovery. 62 million people in the US have some disability that affects daily living. About two-thirds of those are younger than 65. Around 3-in-10 people will become disabled before retiring. When disabled, you may not only lose the ability to earn a living, but you may also lose savings, retirement funds, or even your home. The financial obligations can be overwhelming. Disability insurance plays an important role in your financial planning.

05/03/2026
05/03/2026
05/03/2026

Quote from PubMed article: Relationship between indoor air pollutant levels and residential environment in children with atopic dermatitis
PMID: 25374751

https://pubmed.ncbi.nlm.nih.gov/25374751/

“Exposure to volatile organic compounds (VOCs) can damage the epidermal barrier and enhance adverse effects of house dust mites on sensitized subjects with
AD (atopic dermatitis).”

“To alleviate AD (Atopic dermatitis) symptoms, identifying aggravating factors including indoor air quality is important.”

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See our website for our interactive poster: www.fragrancefreecoalition.com

05/03/2026

Quote from PubMed article: Long-Term Outcomes after Phthalate Exposure: Food Intake, Weight Gain, Fat Storage, and Fertility in Mice
PMID: 22854284

https://pubmed.ncbi.nlm.nih.gov/22854284/

"Exposure to endocrine-disrupting chemicals (EDCs), particularly in utero, is suspected to contribute to obesity, diabetes, hypertension, and reproductive abnormalities.”

"Di(2-ethylhexyl) phthalate (DEHP), a plasticizer found in cosmetics, fragrances, food packaging, and polyvinyl chloride, is one such EDC.”

"Human studies have found associations between urinary metabolites of DEHP and other phthalates and increased body mass in humans, and maternal exposure to DEHP has been associated with impaired gonadal development and fertility in baby boys.”

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See our website for our interactive poster: www.fragrancefreecoalition.com

05/03/2026

Fragrances and Breast Cancer??

Infographic words:
Evaluation of Pollutants in Perfumes, Colognes and Health Effects on the Consumer: a systematic review

"This study showed phthalates, aldehydes, parabens & aluminum-based salts are most important contaminants in aromatic products that cause side effects such as allergies, Breast Cancer, reproductive disorders, especially in males, skin allergies, nervous system damage & migraine headaches for consumers."

Quote from:
Kazemi Z, Aboutaleb E, Shahsavani A, Kermani M, Kazemi Z. Evaluation of pollutants in perfumes, colognes and health effects on the consumer: a systematic review. J Environ Health Sci Eng. 2022 Feb 3;20(1):589-598. doi: 10.1007/s40201-021-00783-x. PMID: 35669814; PMCID: PMC9163252.
https://pubmed.ncbi.nlm.nih.gov/35669814/




See our interactive poster with research at: www.fragrancefreecoalition.com

Address

110 9th Street SW
Jamestown, ND
58401

Opening Hours

Monday 11am - 1pm
Tuesday 9am - 1pm
Wednesday 9am - 1pm
Thursday 9am - 1pm
Friday 11am - 2pm

Telephone

+17012692225

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