General Insurance Topics


Advantages of Getting Auto Insurance Quotes Online

Today the Internet has become an important tool when doing any research about products or services. This includes auto insurance. The auto insurance industry has adapted to take advantage of the communication and Internet revolution. In the past obtaining rates from carriers required both time to do it and money to facilitate your efforts in dong the research, i.e. pay phone bills, transport costs.

Once you got the primary data you then needed to analyze the information. Putting insurance quotes and policies side by side to see their differences required a lot of patience and a high level of attention to details. Due to the monotony and tedious nature of the task many people forfeited altogether doing any research on these insurance products. Towards the end of the 90s, insurance companies saw the potential and benefits involved in making use of the Internet to conduct insurance research online.

Auto insurers discovered that they could make the auto insurance process more effective and efficient online for the consumer. Some of the benefits of going online include: Online rate comparisons make it easier and faster for people to compare the insurance products of many companies as opposed to individual inquiries for quotes. Going online also helps the market have the ability to analyze and research several factors individually, feedback history and more.

Another benefit of the auto insurance industry adapting to this technology is that it has made the insurance cover cheaper; the facility to buy a policy without using the services of a broker has eliminated some costs that you would have otherwise incurred.

Here's a tip...

Most people know that the Best Way To Get Cheap Car Insurance is to compare insurance rate quotes.

Auto Insurance - What to Know Before You Ask For a Quote

When you're looking for a quote on auto insurance, there are a few questions you need the answers to before you make your final choice. You don't want to take whatever insurance is the cheapest, you want to be an informed driver. You'll want to know what the minimum coverage laws are for where you live. It's your responsibility to make sure you're protected. The insurance company will only offer you quotes based on what you've told them.

You'll want to ask if you can get immediate coverage. If you need insurance fast, you aren't going to want to choose a company that can't guarantee coverage right away. Fortunately, most companies can give you a policy-some within minutes of you filling out an application or form. If you're looking to insure a motorcycle, you'll want to ask up front if they cover motorcycles since a few companies choose not to. They consider motorcycles to be a higher risk because of possible serious injuries in the event of a collision.

Ask the representative if you can get a better payment if you go with a higher deductible. If you're a fairly safe, defensive driver, there's nothing wrong with having a higher deductible but if you or someone who drivers your car is accident prone, this won't be the best choice for you. That's why you'll want to know if the policy has provisions to cover your teenage children if you let them drive your vehicle. Some policies have this blanket coverage while others do not.

Know if the auto insurance company you're looking at for a quote offers any bundle servicing. Find out if they'll give you a discount if you also put your home insurance needs with the company as well. Make sure you specifically ask about discounts as some insurance companies will not automatically offer them.

Ask what type of payment options they have. One of the most convenient ways to pay bills today is either as an automatic withdrawal through a bank account and if you don't have a bank account, you'll want to be able to pay it online for convenience sake.

You'll want to have the above questions answered but you'll also want to make sure that you fully comprehend what it is your state requires (the minimum) versus what will happen to your financial security if you have an accident and the costs exceed the minimum. For example, in the state of California, motorists are required to carry 15/30/5. That's $15,000 for injury or death, $30,000 when it involves more than one person and $5,000 is for property damage. That's just the minimum. You can run into serious financial trouble if you have an accident and there's a greater injury or property damage cost.

When you get auto insurance, keep in mind that it's for your protection and if you can afford a policy with more than the minimum requirements, you might be better off to go with that one. It's always better to be prepared.





Insurance Laws

What happens when there is an insurance claim?
Payment of claims is the reason that insurance exists, yet policyholders often perceive that insurance companies resist paying legitimate claims make the claims process unduly difficult. Both insurance companies and policyholders have contractual obligations which must be understood and performed to ensure the timely and satisfactory resolution of claims. The insured is required to give prompt notice of claims the insurer and to send the claim to the place specified in the policy. The insured is also required to provide documentation to the insurer and cooperate with the insurer's efforts to investigate the claim. On the other hand the insurance company has an obligation to pay valid claims and not try to avoid paying them with bad faith conduct. In some cases, the insurer may be required to defend or settle claims made against you.

What Consumers Should Expect When Purchasing Insurance Through An Agent
Purchasing insurance sounds like a simple task. Contact the company, find out what your desired coverage costs, pay for it and you’re done. Not so fast. Consumers should realize that choosing an honest agent – one who’s forthcoming and knowledgeable – is a very important part of the process.

Agents: The good, the bad and the ugly

We spoke with Charles Surrano, an Arizona attorney and member of the Advocate Law Group network who has been working in the insurance industry for 30 years. According to Surrano, choosing the right agent can make all the difference. “When it comes to agents, one can expect the good, the bad and the ugly. There are agents who are very professional and very honest who will be forthright with the insured, will explain the policy terms, will quite clearly go through the policy and answer questions the insured might have about the policy and its coverages and benefits. Just as importantly, they will review the limitations under the policy, make sure that the insured has a firm understanding of exactly what it is they’re purchasing and when the policy will pay – and when it might not.”

Unfortunately, there are many agents that don’t always act appropriately. Surrano continued, “On the opposite end of the spectrum, you have the agents who will simply gloss over policies, engage in what you might call the rapid fire sell approach such as, ‘You need this because…,’ and will deflect questions and focus on simply closing the deal. That often leaves policyholders with a substandard understanding of what their rights are and what their coverages would be under the policy.

Those types of agents often create problems for insureds later when they make a claim under their policy because they were either misrepresented on what the policy purported to cover or their understanding in general is simply deficient because of the inadequate way in which the agent explained the terms.”

Shop around for a reputable agent

Shopping around for a reputable agent will give you greater peace of mind. “In shopping for insurance, it’s just as important to make sure you go to an agent that has a good reputation, if you can ascertain that either from talking with people who have purchased insurance or general discourse in the community about what agents or agencies provide better services than others because in the long-run, the agent is the person who puts a face on the insurance company.

Dealing with an honest agent and one who’s forthcoming and knowledgeable will make you feel more comfortable about the insurance product that you’re purchasing – and you’re going to have fewer problems with the insurance company because of it.” Surrano said.

Standards

Consumers should hold an insurer, and its agents, to a certain standard. Surrano thinks that good faith and fair dealing are not only standards applicable to insurers, but also encompass how their agents service customers. “Every insurance policy, in addition to the written words, contains an unwritten promise from the insurer to the insured that the insured will be treated fairly and honestly by the insurer,” he explained. “What that duty encompasses, this implied duty, is the obligation of the insurer to investigate claims made by the insured promptly, fairly and honestly.

In the course of administering any claim filed by an insured, the insurer must treat the insured’s interests at a level equal to its own; in other words, not to place the insurance company’s financial interests ahead of the insured’s in terms of evaluating whether or not to pay the claim. They’re supposed to be open, honest and reasonable in their evaluations. Any deliberate effort by the insurance company to deny an insured those implied entitlements to fair treatment, to honest treatment, to equal treatment, can result in a breach of the duty of good faith and fair dealing.”

Can You Sue Your Insurance Agent For Misrepresentation?

If your insurance company misrepresents their product, you can sue them. However, if your agent misrepresents the product, can you sue them? Generally, the answer is yes if you relied on information that he or she gave to you that resulted in a lack of coverage or no coverage at all. Unfortunately, proving misrepresentation can become a ‘he said / she said’ exercise in futility. The key is to avoid any type of misrepresentation by doing your homework.

Attorney Charles Surrano, a 30 year insurance practitioner from Arizona and member of the Advocate Law Group network, explains that there are two things insurers can do to protect themselves. “[Number one], make sure you’re dealing with a reputable agent. Number two, during the course of your conversations with the agent, ask questions. Do the thing that most policyholders refuse to do, take some time, review the policy, review the declarations page and ask the agent what the terms mean.

Likewise, if the agent is explaining a promise in the policy of a benefit that’s being provided and that representation is more explicit than what is contained in the policy, see if he will reduce it to writing and tell you what the policy means. At a minimum, make your own memorandum at the time of what the agent told you, so that later on, if you go to present a claim against the insurer, and the insurer says ‘That’s not what that provision provides’, you’ll be able to say, ‘You may be claiming that now, but at the time you sold me the policy, this is how it was represented to me. This is what the agent told me it means.’

Shop around for a reputable agent

Shopping around for a reputable agent will give you greater peace of mind. Surrano explained, “In shopping for insurance, it’s just as important to make sure you go to an agent that has a good reputation. You can ascertain that either from talking with people who have purchased insurance or general discourse in the community about what agents or agencies provide better services than others. In the long-run, the agent is the person who puts a face on the insurance company.

Dealing with an honest agent and one who’s forthcoming and knowledgeable will make you feel more comfortable about the insurance product that you’re purchasing –and you’re going to have fewer problems with the insurance company because of it.”


Why you should compare auto insurance company rates annually.

Auto Insurance companies are always looking for reasons to increase what you pay for auto insurance. If you have an accident. If you have a teen driver. If you file certain types of claim. If you don't have a garage. If you buy a car that happens statistically to be stolen more often. If you change jobs and have a longer commute to work. These are all reasons that an insurance company may decide gives them the right to raise your auto insurance premium. The only way for you to stop them from increasing your rates is to make them compete for your business. As in all negotiations, Information is Power and more importantly, you have to be willing to Walk Away from a bad relationship.

INFORMATION IS POWER - The Internet provides consumers the opportunity to learn about their insurance options. First of all, you can get multiple insurance quotes without having to talk to an insurance agent or sales representative. There are many sites now that allow you to provide driver, vehicle, claims and violations information online in order to show you insurance quotes from multiple companies. You can also visit each company site individually and request a single quote from each. You should be wary of individual companies that promise to give you other company's rates, in insurance, there are people they want to sell policies to and people they don't want to sell policies to, can you really trust them to provide quote information that isn't in their company's best interest. Secondly, just because you shop online with out talking to an agent doesn't mean you have to buy online without talking to an agent. Most online services give you the option of talking to a licensed agent before you buy.

WALKING AWAY - if you aren't willing to end a bad relationship, then the abuse will never end. We need to show insurance companies that they can't just raise rates when ever they feel like it. Insurance companies know that a rate increase will only motivate a small number of their policyholders to look else where. They count on your apathy. Don't let them get away with it. Shop your auto insurance today.

Life insurance: what types are available

Why do we need life insurance? Well, the fact is, we don’t all need it. But if you have a family or people who depend on your income, it is definitely something you should consider buying in order to protect your loved ones. Life insurance can be difficult to grasp due to the different types that are available. This table lists some of the similarities and differences to help you figure out which way to go. Do consult a professional before you make your final choice.

There are three main types of insurance and two variations. The basic policies are term life, whole life and variable life. Variations are universal life and variable universal life.

Term

- Least expensive

- Pays beneficiary lump sum when you die

- Policy limit and death benefit one and the same

- Premium likely to go up periodically
Whole

- More expensive than Term

- Offers low-risk cash value account so money is invested to grow over time

- Insurance company manages account

- May not invest or split money into separate accounts

- Premium is fixed, not flexible

- Some policies have option to receive dividends or apply dividends to premium payments

- May withdraw money

- Pays either death benefit or cash value, not both (cash value is the amount available if you surrender a policy early or borrow against it)
Variable

- More expensive than Term

- Also invests money into cash account


- Pays death benefit

- Low-risk, tax-free account

- May be riskier than others because allows death benefit to vary in relation to fund returns of cash value account

- May borrow from it during your lifetime

- No guarantees regarding value of cash account

- Premium fixed, not flexible
Universal

- More flexible than whole or variable

- Low risk cash value account

- Tax deferred accumulation of funds

- Market rate of interest on cash account

- Borrow or withdraw during lifetime

- Premium flexible

- Face value flexible

- Like whole life, may not invest or split money into separate accounts

- May not move money from one account to another
Universal Variable

- Most flexible and expensive

- Low-risk, tax-deferred cash accounts

- You have more control of cash value accounts

- Offers separate investment accounts, like money market, stock, and bond funds

- Requires you to manage your own accounts

- Value rests on your investments

- May withdraw or borrow money during lifetime

Free advice investigates homeowner's insurers of last resort

Home owners in many coastal states have been asking: “Why is my insurance company dropping my homeowner’s policy?” Others are questioning why their rates are rapidly going up or they are being subjected to surcharges.

The answers lie in past losses and fear of future losses by the insurance companies and a related move by states to provide coverage, often at rates that are too low for the risks involved. The result is to drive people increasingly to state operated plans. These state plans operate like insurance companies, but have different objectives. They often do not have adequate reserve funds set aside for unexpectedly high losses, and sometimes have less expertise in setting rates, settling claims and dealing with customers.

Because states require the private companies to contribute to losses by the state plans and because ultimately the taxpayers will be responsible, fears are growing that risk is being shifting from the private insurers to the state plans. This shift makes policyholders, even in areas not affected by the risk, and state taxpayers bear some of the risk of losses. Furthermore, as the concentration of risk in these state plans grows, it poses the possibility of large losses in the wake of future storms – risks that might have been borne largely by private insurance company previously.

The problem has developed as insurers, have been cancelling homeowner’s policies, in areas that might be at risk – primarily shore areas. Increasingly, the companies are worried about the possibility of large losses from hurricanes and other severe storms and concerned that regulators will not allow them to raise rates enough to cover potential losses. While no one can predict how many storms there will be or how much damage they might cause, insurers know that states from Texas along the Gulf of Mexico and up the Atlantic coast to Massachusetts could be subject to crippling financial losses if a major storm such as Andrew or Katrina were to strike an area where they have many policyholders. Katrina payments by insurers have totaled more than $40 billion to 1.7 million U.S. policyholders in 6 states.

In addition, continued development in at risk areas has placed even more properties and higher property values at risk. For example, more than 2,100 new condominium units are scheduled for completion in South Miami Beach by the end of 2009. Other rapidly developing coastal areas include Galveston Island, Texas, Hilton Head and Myrtle Beach, South Carolina, the Maryland shore, eastern Long Island and Cape Cod. As the private insurers retrench to cut their risk, the states have attempted to fill the market need with “insurers of last resort.” In a June 7, 2007 article, The Wall Street Journal reported that such insurers in 16 states have seen a rapid growth in the number of policies and potential liability for damages since 2001. The plans could have serious losses that require bailouts by taxpayers or force policyholders who are not in the affected areas to backstop the losses.

The state plans have tended to change from providers of insurance coverage to those with no other possible carrier to major providers of insurance in high risk coastal areas. This shift of high risk exposure away from private property insurers is placing an enormous financial burden on state-run insurance plans and leaving them operating at substantial deficits while shifting the long-term risk of hurricane related losses to policyholders and taxpayers who do not live near the coast according to Dr. Robert P. Hartwig, president and chief economist of the Insurance Information Institute. Others see it as representing a shift away from the prevailing federal government’s efforts to make individuals assume more risk in areas such as retirement and health care.

Just as investors must be wary of having “all their eggs in one basket” insurance companies that insure too many properties in one geographic area are subject to the danger of concentrated losses. The concern that climate change may exacerbate the severity of the storms only increases the possibility of severe losses in coastal areas. As a result private insurers have moved to limit the number of policies they have in threatened areas and “insurers of last resort” have picked up the business of many of those they dropped. More than 30 “insurers of last resort” are operating in the United States. Some cover other risks such as earthquakes or wildfires and some provide insurance in inner cities where poverty and high crime rates mean that private insurance is not available.

States need to assure that coverage is available in order to continue economic growth in their territory, hence the need for “insurers of last resort.” In addition, there is often political pressure to keep rates for the plans lower than actuarial realities might call for. In some areas, the state plans have been directly competing with private plans and exacerbating the shift away from private insurance. The rapid growth of the plans since 2001 means that potential liability for claims has tripled to over $650 billion.

Florida is the state most vulnerable to coastal storms. It has 27% of all hurricane exposed property in the U.S. and is expected to gain almost 13 million new residents by 2030 according to the U.S. Census Bureau. Coastal exposure in Florida is estimated at more than $2 trillion. New York (primarily Long Island) has almost as much exposure, but the probability of a major hurricane hitting its properties is lower.

In addition to these state plans, the Federal Flood insurance plans liability has grown by two-thirds since 2001 to over $1 trillion.

A prime example of the problems:

Florida operates one of the largest of these coastal “insurers of last resort.” Its problems illustrate the problems faced by such organizations. Citizens Property Insurance Corp. started in 2002 with the idea that it would cover only those who could not find coverage elsewhere and would ultimately shrink and perhaps disappear as the need for it declined. But as market realities and nature intervened to require higher premiums private companies dropped policies or moved out of state. State politicians have reacted by allowing Floridians to opt for coverage by Citizens if private coverage would be significantly higher than what Citizens would charge and offering guarantees of rate stability for several years.

As Citizens is currently the largest homeowner’s insurer in Florida, critics say a major hurricane could cost other Florida policy holders and ultimately Florida taxpayers. Floridians are already paying surcharges on their property insurance bills to pay off deficits from 2004 ($516 million) and 2005 ($1.7 billion). If Citizens charges rates that are insufficient to cover future claims because of political considerations or misjudgments of future losses, there could be large future deficits to cover.

Critics fear that Citizens will get the highest risk customers at unrealistically low rates, thus competing with private companies that might want to insure Florida homes and moving the storm risk to the state plan and away from private carriers. Problems with service to customers and administrative problems have also elicited many criticisms about the organization’s capabilities.


In califonia, companies that provide medical insurance must review the application of an insured at the time the policy is written. Insurance companies may not wait until the insured submits a big claim and then review the application for an excuse to cancel the policy. This illegal practice is called post-claims underwriting and is considered a violation of the insurance companies’ duty of good faith to the policyholder.

People who have their insurance policies cancelled after filing a large claim can bring a legal action against the insurer for bad faith.When the company issues a medical insurance policy, the person insured thinks he or she has medical coverage and relies on it. If the company has a legitimate reason for denying coverage and tells the person at the time of the insurance application, the person can find other coverage. If the insurance company doesn’t review applications until claims are filed and then retroactively cancels the policies, the people insured by the company find themselves without insurance and liable for all the medical expenses that they thought were covered by their medical insurance. This is a very serious injury caused by the insurance company’s bad faith failure to review the application in a timely manner.

It’s also bad faith for an insurance company to make up excuses to cancel a policy that would not have been sufficient to refuse coverage at the time of the insurance application.

Identity Theft

A friend of mine got a letter in the mail in 2006 telling her she owed money for a department store bill that had gone unpaid for several months. For our purposes, we’ll say her name is Kathleen Robinson. The letter came addressed to Katherine Robinson; but when she inquired and told them the first name is different, they read her the credit card number. Yup, same number. She informed them that they weren’t her charges and the store did not pursue it. Weeks later she received a phone call from a collection agency. Apparently, someone owed money on a gas credit card that had been taken out in her name. She didn’t have a gas card. Subsequently, the garbage company threatened to stop collecting her trash. It had become apparent to her that someone had stolen her identity. How does this happen and what can you do about it?

How it Happens

Identity theft occurs when someone gets your name, address, credit card number (with or without the card itself), possibly your social security number or other personal information, and uses them to open accounts, charge merchandise, and run up big bills by pretending they are you. They don’t pay the bills, leaving you with collection agencies calling and your credit in ruins. It’s a nightmare and very difficult to correct and reverse the damage.

It’s quite easy how it happens actually, and a wonder that it doesn’t happen even more frequently. Think about the information you give out to people every day. Have you ever given your credit card to someone and shown your driver’s license with your address on it for identification? Of course; we all do it. At a minimum, we share this information at stores and restaurants all the time. Any one of those sales people or store clerks or waiters or cashiers could pocket your number for their own purposes and use it to charge merchandise, apply for other credit, and simply pass themselves off as you. Even when you pay your rent by check and put your driver’s license number on it, your landlord could use (or sell) that information.

This article is not to make you paranoid and believe everyone is out to steal your identity for financial gain, but it is to make you aware that this does happen and how you can protect yourself. (Also see “What Is Identity Theft and How Does It Happen?”.)

How You Can Protect Yourself

You can’t protect yourself completely, but there are some things you can do to reduce the likelihood that someone will steal your identity. If it does happen, a little planning in advance will help you cover your losses.

Tips to protect yourself:

You would be wise to only carry the information with you that you absolutely need for day-to-day dealings. For example, don't carry that platinum credit card with $50,000 limits to the supermarket.

Try to collect your mail as soon as the mailman drops it off, or get a mailbox with a lock. One of the easiest ways for a thief to get your personal information is by stealing your mail. If you don’t receive your credit card bill on time, call the company and find out why. It may have been stolen out of your mailbox and by the time you find out, some hefty charges may have been made.

Shred documents that you no longer need to keep. Don’t simply put old credit card statements into the trash or recycling bin. Thieves will go through garbage to get your personal data.

Ask why someone needs your personal information before you give it to them. Don’t just give it automatically. Never give an individual or a company your personal information if they just call you or email you out of the blue, even charitable organizations. Have them send you their request in the mail.

Don’t fall for online scams. Take to heart the old adage--if it sounds too good to be true, it probably is. If there’s no way to contact the company offline to see if they are legitimate, forget it. Don’t give them any information about yourself.

If you store personal information on your computer, keep it safe. Use a personal firewall and current anti-virus software.

Don’t post personal information online in any chat rooms, bulletin boards, on instant messaging, or on your Facebook or My Space pages. You never know who may be reading it.

Use good passwords on your computer. Give up on the obvious family birthdays and pet and children’s names. Make them lengthy and combine letters and numbers; then rotate your passwords regularly.

Place a fraud alert on your credit reports. It’s a good idea to contact these three credit bureaus: Equifax (800-525-6285, www.equifax.com); Experian (888) 397-3742, www.experian.com); TransUnion (800) 680-7289, www.transunion.com). From each credit bureau, get a copy of your report. Victims of fraud can usually get their report for free. Request in writing that no new credit is granted without your approval. Also in writing, ask that your account be flagged with a fraud alert tag and a victim’s statement, which you should provide. Keep a copy for yourself. When you get your reports, go over them thoroughly and check for any inquiries you didn’t initiate, accounts you didn’t open, and any unexplained debt.

Contact the proper authorities. You can report the theft by calling the Federal Trade Commission’s (FTC) toll-free Identity Theft Hotline at (877) ID-THEFT or (877) 438-4338. Counselors there can advise you on how to deal with the credit-related problems that can result from identity theft. File a report with your local police department, as well.

Buy identity theft insurance—plan for the possibility

Many insurance companies sell identity theft insurance these days to provide reimbursement to victims for the cost of repairing credit reports and restoring one’s identity. Some insurers include it under homeowners’ insurance, and others sell it as either a separate, stand-alone policy or as an endorsement to a homeowners’ or renters’ insurance policy.

These policies are not inexpensive. They average about $25 to $50 for up to $25,000 worth of coverage. They provide compensation for phone bills (for all the phone calls you will have to make), lost wages, (for all the time you will have to spend), notary and certified mailing costs, (for all the letters you will have to mail) and sometimes even attorney’s fees should you require legal assistance.

Which insurance companies sell identity theft insurance?

BESIDES AND BELOW are the companies that currently offer BEST insurance. Not every company sells this insurance in every state. Where we have a review of the company on this site, click on the link next to the insurance company name. They are all in the section called Insurance Company Reviews. Each review will tell you in which states that company does business, the company rating from A.M. Best and a company overview.

Monday, February 3, 2014

There are a number advantages associated with using herbal medicines as opposed to pharmaceutical products. Examples include the following:

PUBLIC NOTICE:- THE FACTS TO KNOW ABOUT YOUR HEALTH


There are a number advantages associated with using herbal medicines as opposed to pharmaceutical products. Examples include the following:
  • Reduced risk of side effects: Most herbal medicines are well tolerated by the patient, with fewer unintended consequences than pharmaceutical drugs. Herbs typically have fewer side effects than traditional medicine, and may be safer to use over time.
  • Effectives with chronic conditions: Herbal medicines tend to be more effective for long-standing health complaints that don't respond well to traditional medicine. One example is the herbs and alternative remedies used to treat arthritis. Vioxx, a well-known prescription drug used to treat arthritis, was recalled due to increased risk of cardiovascular complications. Alternative treatments for arthritis, on the other hand, have few side effects. Such treatments include dietary changes like adding simple herbs, eliminating vegetables from the nightshade family and reducing white sugar consumption.
  • Lower cost: Another advantage to herbal medicine is cost. Herbs cost much less than prescription medications. Research, testing, and marketing add considerably to the cost of prescription medicines. Herbs tend to be inexpensive compared to drugs.
  • Widespread availability: Yet another advantage of herbal medicines are their availability. Herbs are available without a prescription. You can grow some simple herbs, such as peppermint and chamomile, at home. In some remote parts of the world, herbs may be the only treatment available to the majority of people.

Revive is a pre herbal product that boost sexual performance. It enhances the relaxation of the corpora cavernosa and delays the lengthen period of the tunica albuginea, thereby increasing libido and sustaining erection firm enough for sexual satisfaction. Scientifically, research has proven that this product boost the excitability of impulses from the brain and local nerves, hence allowing blood to flow in and fill the spaces within the tissue.
  • Poor Sexual Drive
  • Weal sexual organ
  • low sperm count
  • Premature ejaculation
  • Prolong sexual act
There are several reasons why a man may ejaculate prematurely. For some men, the cause is due to an innate reflex or psychological predisposition of the nervous system. Sometimes it can be caused by certain drugs, such as non-prescription cold medications. Psychological factors, such as stress, fear, or guilt can also play a role. Examples of psychological factors include guilt that the sexual activity is wrong or sinful, fear of getting caught, or stress from problems at work or home.
In general, symptoms are when a male reaches climax in less than two minutes or when it occurs before the male or couple want it to occur.


  • Magilim is good for people who wants to loose weight or control their weight and keep slim.
  • Magilim is also very effective in weight control, expelling toxin and balance blood sugar. It also monitors sugar consumed in the diet by releasing them into the blood gradually. This protects the pancreas from over-exertion, by normalizing blood sugar levels, it can prevent diabetes and helpful for diabetic patient.
    When Ingested, magilim turns into a gel-like substance able to expand up to fifty times its weight, causing a feeling of fullness, which prevents excessive eating.
    • Weight Control
    • Detoxification
    • Balance Blood Sugar


    Golden Hypha contains advanced noninflammatory protein that restores immune system with the ability of boosting CD4 cells which could have been weakened due to the treatment of cancer and chronic hepatitis.Natural flammulina velutipes contains very small amount of active ingredients: it contains 2/10,000 of anti-cancer protein and immune protein; and contains 3/1,000 of polysaccharide, EA6. Using natural mushroom and adopting Bio-technology, Chinese Biotechnological scientists of pharmaceutical University invented an efficient method to culture it and receive in mycelium rich of proflamin. FIP-five, and Polysaccharide, EA6. The contents increase 200 to 400 times.
    • Activate immune cells
    • Restore Immune system
    • Relieve side effect of
    • radiotherapy and
    • chemotherapy.
    • Protect liver
    • Dermatitis
    • Cure Hepatitis B
    • Relief Neurodermatitis
    • Anti virus
    • Fibroid
    • Tumor


    GYNAPHARM CAPSULE is a Female Health Solution FOR
  • PELVIC INFLAMMATORY DISEASE
  • Pelvic Inflammatory Disease (PID) is an infection of a woman's reproductive organ. It is caused by bacteria that travels up the reproductive tract. PID can result in inflammation of the uterus, ovaries, and fallopian tubes which could lead to infertility and ectopic pregnancy.
  • PID can also lead to long-term health problems if left untreated, and it can even be life threatening.
    1. Inflammation of the ovaries
    2. Inflammation of Uterine tracks
    3. Appendages of the womb
    4. Pelvic Inflammatory Disease PID
    5. Unusual or heavy vaginal discharge
    6. Abnormal Uterine bleeding
    7. Lower abdominal pain
    8. Bleeding between periods
    9. Back pain
    10. Painful sexual intercourse
    11. painful frequent urination


    Golden Six is amongst the most regarded ancient Chinese herbal formula. It contains six golden herbs that when put together are able to balance the Yin-Yang principles which is the foundation for many other Chinese Medicines. When these Yin-Yan principle is balance, it provide a robust basis of good health. Hence Golden six is able to address several health challenges, this is why is very good for anti aging and promotes longevity.
    • Female Infertility
    • Rheumatism
    • Stroke
    • Back pain due to Kidney problem
    • Menstrual cramps
    • Diabetes type II
    • Arthritis
    TestimoniesTHE POWER OF KEDI PRODUCTS
    My name is Mrs Cynthina Ikwu, I have been married since six years ago. I am thirty-five years old, ever since I was a child till last year when I knew Kedi, I did not see nor eperience my monthly period. My husband and I visited many hospitals in and outside Anambra State including teaching hospitals.
    The doctors  after running several tests gave me one injection or the other including tablets and pills, which I took to no avail. One wednessday afternoon, a friend invited me to a seminar going on at the Peoples Club National Headquarters Owerri Road, Onitsha. At the seminar, the resource person talked about Kedi Chinese Products and how they worked in human body. He called some life essentials  and the other products special solutions, eventually he started picking the products one after another and naming diseases and sicknesses they could take care of, he mentioned Golden Six and said something about it taking care of irregular and painful menstruation. After the seminar, I approached him in Camera an told him my problem. He gave me a bottle of Golden Six and advised me to take it for one month with plenty of water and rest in the process. This happened in February 2008, by the middle of the following month, I started feeling funny around my waist with some severe pains. When I put a call to him, he advised me to continue without worry, two days later, I felt warm fluid dripping out of my private part; I was alarmed and was rushed to the hospital where doctor confirmed it was my monthly period. Initially it was smelly with dark blood. It rushed for five days and stopped. The KEDI doctor as I later called him advised me to take my Golden six for another one month which I did and after that, I've been observing my period every other month ever since then.
    Kedi Products has no rival and I've been recommending it to many people, Mrs Cynthia.

    FIVE YEAR OLD PREGNANCY SAFELY DELIVERED WITH THE HELP OF GOLDEN HYPHA, REISHI AND GOLDEN SIX
    My name is Mr Augustine Akpan married to Mrs Dollar Udorikpa Akpan. We have been married since early 80s. We  had our first child in 1985, the second in 1987. After the second child in 1987, my wife could not get pregnant again. So we decided to stop child bearing. Then early 2000, my wife started suffering from fibroid. The fibroid grew so big that she was restless and uncomfortable with her health. We went for scan and we were told that the fibroid is 19cm big and something else is beside the fibroid. Several scan revealed that there is a baby beside the fibroid in the stomach for over 5 years. We were scared but someone introduced  Kedi products to us and asked us to see one their medical consultants Dr Joshua who collected the test result from us and gave my wife Kedi Golden Hypha, Reishi and Golden Si. He advised us not to operate the fibroid but the products according to his prescription. After taking the products for few months, we went back for test and were told that the baby was then developing like normal baby while the fibroid is reducing in size.
    Nine months later, she gave birth to a baby boy safely. The five years old baby that fibroid has pressed down became a normal baby and was delivered sound and healthy. My wife and the baby are alive and healthy... Kedi products performs miracle. Thanks to Kedi Healthcare for their wonderful products.
    Mr Augustine Akpan

    KEDI GOLDEN SIX WORKS FOR DIABETES
    My brother had chronic diabetes that prevented him from eating normal food. In fact, he was subjected to unripe plantain and beans. I tried convincing him that golden six would make the difference. Eventually, he agreed to take this product. I gave him a jar of Golden Six that contains 30 Capsules, After few days, he called me that he had improved tremendously. He could eat anything now and he is always asking for more Golden Six. I am very proud of this Kedi Products.
    KEDI MAGILIM AND GOLDEN SIX DID THE MIRACLE
    A man from Benin has been suffering from diabetes for the past four years: he has been taking other products and medications without improvement. His sister introduced him to me and I gave him one golden six and one magilim. After one month, he called to express his joy. He went for a medical check up and his sugar level has been reduced to 30%... Not just that, all the symptoms of diabetes have disappeared. He now believes that kedi Product can cure his disease. from Lagos.






    Eve's Comfort Granules is effective for Menstrual Disorder.
    Promotes Blood Circulation
    Removes Blood Stasis
    Alleviates Menstrual Pain
    Cure Amenorrhea
    Dysmenorrheal
    Irregular Menstruation
    Early Menopause
    Cures abdominal pain
    Cures painful Menstruation

    Vigor Essential is Premier Tonic for Virility and Vigor......
     This product is designed for balancing the function of human body. For a long time use, it can treat diseases like nephritis, emphysema, asthma, cardioparthy, hypertension and weakness of sexual organ.
    • Male Infertility
    • Prostrate Disease
    • Accelerated Aging
    • Virility and Vigour
    • Boost Sperm Count
    TESTIMONIESGOLDEN SIX AND VIGOUR ESSENTIAL GAVE A "KEDI BABY"
    My name is Ogechukwu Ekemezie from Iruayika Awkuzu Oyi L.G.A Anambra State. I was childless for over 11 years. My husband and I went to all places that I can't mention here in search of child all to no avail. At a time my husband got tired of trying and married another woman, people called me unprintable names and I was avoided by my inlaws. One day, I was invited to KEDI Healthcare seminar by my church mother. Initially I refused, having lost hope of getting pregnant but my church mother persuaded and even pressurized me to attend. At the seminar, the TCM doctor rolled out all sorts of diseases one can treat with KEDI healthcare products, I was not interested until until he took on infertility. I listened with rapt attention as he enumerated causes of infertility.
    Two products he mentioned caught my attention, Golden Six and Vigour Essential. I bought the two and went home. I persuaded my husband to take vigour essential for low sperm count and I started taking the Golden Six. Two months later, I couldn't see my monthly period and a visit to a doctor confirmed me pregnant. Initially I could not believe it and that made me visist 3 other doctors for confirmation, my husband after hearing of my pregnancy could not believe it, he took me to 3 teaching hopitals and it was positive. Today I am 5 months gone. I also gave to my neighbour Nkiruka Golden Six and Reishi, she is now 3 months pregnant after being childless for seven years. KEDI is God Sent.
    PROSTRATE DISEASES ARRESTED WITH KEDI VIGOUR ESSENTIAL
    I had an operation  long ago due to enlargement of the testicles. The operation was successful, but later after sometime, the inflammation began again. I began again I became so confused, my meeting with a Kedi Top Distributor who introduced me to Kedi Vigour Essential was divine. I experienced changes when I started using the product I am relieved. Mr Chizuwo
    CATHETER THROWN AWAY AFTER VIGOUR ESSENTIAL
    My name is Akinriyibi Samuel, I had Prostrate cancer and went for two surgeries, the doctor advised me not to go for the third one when the pain was so unbearable, they gave me pain killers and I was using catheter to urinate. One day, a friend of my introduced me to Dr KEDI and he gave me Vigour Essential and Reishi, three weeks later, my urine started coming through my organ, I was amazed because I have been told that I could not get cure for prostrate cancer. Three months later, I no longer need the catheter. I thank God for my life and my meeting KEDI. I now share Kedi products with my friends who has prostrate diseases. Lagos.



    Vagicare Lotion is an effective Anti-Bacteria Lotion for women.
  • Vagicare is a formula validated over thousand years' usage, containing 100% herbal ingredients through modern technology. The active ingredients contained are distilled very well for the benefit of endearing ladies. Vagicare lotion combined has proven  effective for the management of urinal tract infection, Candida albicans, staphylococcus aureus and bacillus coli.
  • Vagicare lotion is also good for women with vaginal dryness. It is most common among women during  and after menopause, the condition can affect women of any age, often accompanied by itching and burning sensation, vaginal dryness can contribute to pain during sex or an increase in urinary frequency.



    Reishi is Premier Tonic for Self-Defence System and Anti-Virus.
    Red Reishi (Ganoderma Lucidum), commonly known as Ling Zhi in Chinese, is a herbal mushroom known to have miraculous health benefits.Regular consumption of red Reishi can enhance our body's immune system and improve blood circulation, thus improving better health conditions. Generally, Reishi is recommended as an adaptogen, immune modulator, and a general tonic. Red Reishi is also used to help treat anxiety, high blood pressure, hepatitis, bronchitis, insomnia, staphylococcus and asthma
    • Anti infection
    • Anti Virus
    • Stable Blood Pressure
    • Anti HIV allergies
    • Female Infertility
    • Anti Staphylococcus
    • Cancer
    TESTIMONIES
    I was diagnosed 4 months ago with stage III breast cancer, I started Chemotherapy right away but at the same time I got the recommendation (from an Angel I would say) to take Reishi, at the beginning just to handle better the Chemo side effects, I started researching and decided to start taking high doses of the mushroom along with vitamin C, the tumor started shrinking at amazing speed and after 2 months the lymph nodes were clean again, and now, 4 months after my tumor is not visible by sonography or palpable, and I went through a very harsh chemotherapy with my inmmune system in normal levels, something that my doctors cant explain. I recommend Reishi to everyone now!!!    Ana C. - Germany


    Thanks for putting out a great product -- it has been instrumental for my physical recovery during a 3 week move -- and helps my body recover from high stress -- I feel my body getting stronger, my muscles getting tighter and my posture being more upright. Thanks!  Cheryl J. - Lincoln, Nebraska


    Thank you for the wonderful customer service. Actually I forgot to mention that I bought the Kedi Reishi. As you know they sell these capsules here in Germany but I know it will never be the same quality as yours. This tablet is God sent. No need to compromise on quality. I have no idea what it takes to make these capsules but I trust you guys doing the hard work. I am the only person who knows how wonderful I feel now. I just hope that my High blood pressure soon normalizes. I intend to use this product as long as I am alive. Just keep up the good work and do not let profit affect your good work and dedication.   Kevin O. - Germany

    As a secondary school English teacher, long nights and constant stress are a given part of my everyday experience. I have always been interested in alternative forms of medicine, especially TCM ( traditional Chinese medicine) and as a result, I have experimented with various herbal remedies and tinctures. For a long time, Ginseng was a great partner of mine for helping to deal with stress and giving boosts in energy. About two years, ago, I decided to start trying a Ganoderma product called Kedi Reishi Capsules. It took some time before I began to feel any effects – about a month or so in fact – but with a little patience, the payoff was terrific. I began sleeping better, dealing with stress better and had a constant and uplifting euphoric state of mind, as long as I kept up my regiment. I then switched to the Cordy Active product found on this site to see how it fared. As I am the Duke of nowhere and know the Duchess of no particular place. I have found that Cordy Active is an affordable and extremely effective product and will continue to use it, and recommend it to anyone interested in good mental health, healthy boosts in energy and the acquisition of longevity. Long live the Reishi and thank goodness for Cordy Active.
    (Remember to always take your Reishi with the accompaniment of Vitamin C, as this helps with the absorption of various polysaccharides found within the Reishi. I like to take my Reishi, wait 5 minutes and then have a shot of fresh lime juice washed down with water... lovely stuff).
    Mark H. - Toronto, Canada


    My daughter bought the reishi from your store. As I never heard of such supplement, she did a lot of research and insisted that I'd give it a try. You see, I have Asthma almost my entire life. I am now 63 and I have been on all kind of medications you can imagine. The side effects of most of them are unbearable and made my life miserable for as long as I remember. At the end of the first week taking Cordy Active red reishi, I started to notice my asthma symptoms subdued. By the third week, I reduced my prescription meds and started to enjoy a brand new me. I don't know how it works, but to me, it is Godsent. Thank you so much for such a wonderful product.
    Susan P. - Toronto, Canada


    I have chronic Lyme Disease, which can cause multi-symptomatic neurological, hematological and immunological problems. I must take doxycycline every day. HOWEVER, until I started taking the KediReishi, my quality of life, energy, vitality and pain; were intractable. I was very lethargic, unable to engage in most of my activities of daily living. I was basically; a Dead Man Walking. As I titrated the dosage to my optimal dose of five, five hundred milligram capsules a day I have noted extremely GOOD results. I am able to hike my mountains, garden, go on camping trips with my wife and dog and be as active as I was before I contracted Lyme disease. It really works, as when I have reduced my optimum dosage, or ran out, I noted a significant change within one week. I also, no longer take Viagra. I realize that Lyme Disease is a lifetime ordeal, but now, I have weapons to fight it, and enjoy life again.
    Kirk A. - New Port Richey, FL


    The Ganoderma (Reishi) mushroom has literally altered my entire state of disease into a transformation of positive health and vitality! The product Cordy Active is a key in this process that saved my life and gave me back my youth! I think more publicity and free samples for some will help get people using it. And finding out the benefits. Ethan A. - Minneapolis, MN


    I am a scientist with a PhD in cell biology, so the first thing I did after breast cancer entered my life, I researched alternative medicine (my research has long convinced me that traditional medicine often does more harm than good) including various mushrooms and different brands of Reishi, and this place became the source of Kedi Reishi for two rounds of treatment as well as for two friends overseas whose fathers had prostate cancer. As some research suggested, we used the high dose three times a day with vitamin C -- up to 10-12 capsules, or 2.5-3 mg (for older patients 2-4 capsules a day). It was a part of other more conventional approach, in my case -- a part of neoadjuvant therapy (the conventional part was anti-estrogen treatment), and Resihi were alternated with Qhinhao. After six months of combined therapy (two cycles of Kedi Reishi, two cycles of Qhinghao) the tumor shrank from 4x5 cm to undetectable by MRI or physical examination. Unfortunately, the pathological response wasn't achieved (still cancer cells throughout the tissue), so surgery is still on the list, and I intend to continue the "Reishi protocol" (lower dosage, 2-4 times a year) and of course take it around my surgery. As an unexpected benefit, my blood pressure that has been on the rise for several years (above 120/80) went down to 110/70 as 30 years ago, and elevated cholesterol also decreased. One friend's 80+ year old parent with six year-old prostate cancer and bone metastases was hiking up the hills keeping the same pace as her and her husband.
    Irene K. - Worcester, MA


    I have chronic cankor sores, if I lose sleep, get anxious, different time zones, or excited over upcoming events, i get so many painful mouth and cankor sores and sometimes on my tongue. I took Kedi Resihi once a day and it`s now been 2 months and there's no cankor sores. I sure hope this is the reason and I am pain free from those cankor sores.
    Anna M. - Calgary, Canada


    After months of failed diagnoses and medications from various physicians, my chronic bronchitis was just not going away. After taking matters on my own hands, I did extensive research and decided to try Red Reishi extract. I am so glad to say that after 2 months of the Kedi Reishi, my bronchitis is gone!! No more coughing and chest congestion that made my life miserable. Thanks for your bulk pricing, I now buy your Kedi Reishi at a really good deal.
    David C. - Cleveland, OH
    I found Reishi Essence through a referral and I am glad I acted upon learning more about Reishi. Today most of my family members are taking the Kedi Reishi extracts. I definitely notice that none of my family members were sick for the last 10 months. We usually catch the common cold and flu throughout the year. My 73 year old mother is praising the Reishi for giving her more energy and the overall well being feelings she is having. I am pretty sure I will be a long term customer of Kedi Reishi. Adrianna R. - Eugene, OR


    Just wanted to say a quick thank you for sending the two jars of "Kedi Reishi" right out. It arrived this afternoon, and of course I've already begun the product that I hope "changes my life" for the better! Over the past few weeks, my husband and I did ALOT of researching as we virtually knew nothing about the different qualities of reishi mushrooms. When we found your site, and started learning, it was then that we contacted you with our initial questions. Your premium product and fast reply (within hours) is what convinced us that your company was "the one!" It is rare these days to get a fast reply to one's questions, let alone a REPLY AT ALL!!! So, thank you again for shipping the Kedi Reishi right out, and I look forward to one day appearing on your testimonial page!
    Iris F. - Wellington, FL


    AMAZING could be the best word I can use to describe my situation. I have had high blood pressure for more than 10 years. I have been taking 2 different drugs to control it to an acceptable level. About six months ago, I heard about Ganoderma and its potential effect on my high blood pressure. I started taking it regularly, about 6 a day. Last week during my semi-annual checkup, my primary physician was stunned to see that my blood pressure to be 120/81. Even with the drugs, I was at 140/90. This was confirmed again with my dentist during my cleaning routine. I can't think of anything else but that Reishi Ganoderma is really helping regulating my blood pressure. It is really benefiting my case as claimed. Thank you Reishi Essence for providing the quality Reishi at an excellent price. I am now a regular customer for life.
    Lily W. - Los Angeles, CA


    During my checkup last week, my doctor was pleasantly surprised that my cholesterol level went way down. He told me to just do what I have been doing. The only thing I thought I did different is the intake of your Kedi reishi regularly for the last 2 months. Thanks Reishi Essence.
    John C. - Buena Park, CA

    My mother was diagnosed with lung cancer. I heard about Reishi and its properties so I convinced her to take it as a supplement. Along with chemotherapy, I am glad to say that she is now in remission. Not knowing what really worked, I can safely say that the combination of traditional medicine and Reishi does it for my mother. I would like to thank you for your excellent customer services and professionalism in processing my orders and get them deliver to me promptly. She is now taking the Kedi Reishi at a lower dosage as a part of her regular regime.

    Richard Y. - Orlando, FL


    My work took a toll on my well being as I work 12 to 14 hours daily. Fatigue was a daily annoyance to say the least. Aside from not eating right, my sleeping patterns were very unhealthy. A colleague of mine told me about ganoderma products and how it enhanced his general health. Since I have been taking your reishi product regularly, I can definitely tell the difference. I do have more energy now and am able to focus better at my work. I also have a healthier personal life as a result. I would definitely recommend your product to anyone else in my situation.

    Michael C. - San Francisco, CA


    Hi Reishi Essence. I would like to tell you that my father's brain tumor is officially in remission. Radiotherapy along with Reishi as recommended by his physician allow me to enjoy his company much longer. Per your recommendation, he will still take Reishi at a lower dosage as a continuous therapy. Thank you so much for making this product available. I am definitely a believer now.

    Marisol D. - San Antonio, TX


    I can literally write a novel about the results I experienced taking reishi. To make a long story short, I am a 60 year old cancer patient and I am the type of person that is very skeptical about natural remedies in general. However, under my son's suggestion, I started taking your Kedi product 3 months ago. Not yet knowing what the impact it has on my cancer, but I can tell you that my other discomfort and illnesses have been significantly subdued. I have more energy, all different swells on my body have gone away, and this general well being feelings I can't explain. I can't think of anything else but the effect of taking the reishi. Regardless of how long I will live, thank you for making this available to people in my situation. I already referred your product to 5 of my friends and they all reported great results on their conditions. Please make sure you spread the word so more people can benefit from reishi.

      Refresh (Herbal Tea) is good for Computer Users etc.
    Do you feel tired at work time? Do you feel it is so difficult to concentrate in the meeting or class? Do you always feel dehydrated even with less speech? Are you always exposed to long time radiation from computer? Do you always experience sleepless night? All these problems comes from the imbalance of yin-yang in our body, it is not caused by our work efficiency or personal working ability but with disorders inside our body. Refresh tea is effective to correct the problems above.
    • Refreshes the spirit
    • Clears throat
    • Clears heat
    • Improves the eyes
    • Clears radiation
    • Good for Computer users
    • Anti Stress
    • Anti fatigue

    Qinghao is a Multi-Drug Resistant for Malaria esp Falciparum Malaria, MalariaStaphylococcus Parasite...
    Artemisinin has a strong effect in killing plasmodium in erythrocytes so as to control malaria outbreak and symptoms rapidly. It is thought to affect the function of membrane mitochondria system. Artemisinin works on the ultra-structure of parasites in the erythrocytes phase, including working on the food vesicles.
    The parasites died rapidly due to losing most of the nutrition and cytoplasm without supplement. The mechannism was unstable organic free radicals or other electophilic media, which was produced by the peroxide bridge mediated by the free ferrous ions produced by haem metabolism, combined with parasite prot.


    Cordy Royal Jelly mainly contains cordyceps sinensis, gingko leaf extracts, and royal jelly freezing powder. Cordycep sinensis is a powerful life enhancing tonic and an extremely effective and unique herb, it is highly beneficial to the body. Recent observatuiobs have shown that cordyceps can improve performance and muscle-building capability, even though it does not contain any steroidal ingredients. Cordyceps benefits the vascular system by improving blood circulation, and it helps to regulate blood pressure and strengthen the hear muscle.
    Cordy Royal Jelly is a Premier Tonic for Reducing Blood Fat.
    • Blood Fat
    • Cardiovascular Disease
    • Improves Memory
    • Geriatric disease
    • Improve hypomnesia
    • Maintains existing normal cholesterol levels
    • Supports a healthy circulatory system
    • Promotes normal triglyceride levels
      V-Ca is a Nutritious way of adding Calcium and Vitamin C fruit drink.
  • V-Ca facilitates calcium absorption, making it more bio-available to the cells.
  • V-Ca is important in many other critical functions such as the absorption of iron. stimulation of immune system and as an antioxidant to strengthen the immune system.
  • V-Ca neutralizes potentially harmful reactions in the watery parts of the body, such as blood and fluid both inside and surrounding cells.
  • V-Ca may be useful as an immune stimulator and modulator in some circumstances. It promotes resistance to infection through the immunologic activity of leukocytes, the production of interferon, and maintaining mucous membranes.
  • V-Ca increased intake is required to maintain normal plasma levels under acute emotional or environmental stress such as trauma, fever, infection, or elevated environmental temperatures.
  • It helps you replace vitamin C lost through colds and flu.

  • Cordy Active is a Premier Tonic for Stamina and Vitality.
    This Product main ingredients are Cordyceps sinensis, Zinc-accumulated yeast, powder of vitamin E, and carotin. Zinc which can protect procreation system and is good for the eyes. Vitamin E and carotin are very good antioxidants. Its functions have been widely known. Cordyceps sinensis has been considered the premier agent in the Chinese culture for restoring energy, promoting longevity and improving the quality of life.
    • Emphysema and Asthma
    • Anti-virus
    • Nephritis
    • Delay the process of aging
    • Boost vitality
    • Anuria (Kidney Failure)
    • Fatigue, Stress, Depression
    • Immune system
    • Improve appetite
    • Alleviate hematuria
    • Pneumonia, Bronchitis, cough
    TESTIMONIES   THE POWER OF CORDY ACTIVEA young man had a cardiac arrest and was panting, the father rushed him into the clinic and complained, we opened four capsules of Cordy active into a warm water and gave him to drink, in less than five minutes, his pulse became normal and he started talking. He took more of cordy active and cordy royal jelly for the treatment and he is cured of cardiovascular disease. Dr Osmond.
     
    Colon Cleanser (Herbal Tea) serves as a protector and cleanser for the digestive system.
    • Cleanses the Colon
    • Accelerate Excretion
    • Improve Stomach  peristalsis
    • Improve intestine peristalsis
    • Boost Appetite
    • Increase Digestion

    Brightening Essence is Herbal and Natural with extracts from natural plants.
  • Helps to visibly fade existing skin discolorations and inhibits melanin production
  • Helps to brighten skin and improves skin radiance
  • Helps to increase skin's moisture content and clears wrinkles
  • Removes skin inflammation and spot

  • Gastrifort is a Premier Tonic for Stomach Health.
    Gastrifort is an old herbal formula that restores, balances the stomach and liver. It releases the symptoms of chronic gastritis and atrophic gastritis.
    The main ingrededients are Barbary, Woldbery, Chinese Magnnoliavine Fruit, Royal-Jelly Freezing Dry Powder, Indian Buead, and Common Yam Rhizome.
    Royal Jelly can remedy liver disease, pancreatitis, Insomnia fatigue and digestive disorder.
    Gastrifort is an old herbal formula that restores, balances the stomach and liver. It releases the symptoms of chronic gastritis and atrophic gastritis.
    The main ingrededients are Barbary, Woldbery, Chinese Magnnoliavine Fruit, Royal-Jelly Freezing Dry Powder, Indian Buead, and Common Yam Rhizome.
    Royal Jelly can remedy liver disease, pancreatitis, Insomnia fatigue and digestive disorder.


    Constilease is essential for release of Constipation Syndrome.
    Constilease is an herbal product with an evidenced function to improve action of the stomach and bowel(relaxing the bowels), kills bad bacteria, eliminates swelling and pains.Constilease is a new product for constipation. It has been recognized in some developed countries including USA, Japan, Germany etc. Constilease is the only product that relieves syndrome of constipation without using rhurbarb. Furthermore, it helps women recover their beauty.
    Constilease can decompose bacteria in bowels. Meanwhile it normalizes skin pigmentation, acne and skin disorders.
    • Chronic constipation
    • Normal constipation
    • Halitosis (bad breadth)
    • Insomnia
    • Dry skin
    • Acne
    • Freckles
    • It relieves fatigue, faint, anxiety
    • slacking of memory
    • Inflammation of throat
    • Soreness of Mouth and tongue
    Kiddies Digest Tablet is effective for Children, Enhances the Spleen and Promotes Digestion.
  • Chinese medicine has been treating children for centuries and as it turns out Pediatrics is one of the medicines best specialities (since the Song Dynasty 960 - 1279). Kiddies Digest tablet can be a healthy and safe way to improve digestion problem.

  • Kedi Kiddies Digest is effective for children with digestion problem, stomach problem, poor appetite etc.
  • Stomach Problem
    •Digestion functions
    •Poor appetite
    •Diarrhea due to dyspesia
    •Promotes digestions
    •Improves memory
    Gives energy

  • 7 REASONS WHY KEDI PRODUCTS ARE BETTER

    All Natural Ingredients No ChemicalThe composition of the supplement are basically herbs and of profound research and combination. For example Golden Six is a powerful potent kedi product that has 6 different combination of the herbs from roots, fruits, flower, tree back, etc. The impact is very significant and its applications are very broad because of the synergy that result from the all natural in every ingredients.

    NAFDAC Approval
    All Products before starting in 2006 were NAFDAC approved before they entered the markert, apart from passing the stringent test of NAFDAC, they passed it with speed and they were approved not just as food supplements but as Nutriceuticals, most network marketing companies come into the Country through the backdoor and later struggle for months and years to obtain NAFDAC approval.

    PRODUCTION IN NIGERIA
    Most companies come from abroad and import their products 100% from their home country. KEDI Healthcare is different, kedi brings in the materials from china and manufacture the products here in Nigeria by Fidson Healthcare PLC. They have acquired a space at Lekki free Trade zone for the phase two of their production expansion in Nigeria. Hence this arrangement is to the benefit of Nigerians with greater advantage to the economy and to Kedi consultants.

    PREVENTIVE, RESTORATIVE AND CURATIVE
    Kedi Healthcare understands the need for a preventive healthcare lifestyles, therefore put a formulation in place that produces a triplicate effect; preventing ailments, restoring body function and ultimately with curative effect. A cure is effect if an ailment that was there before is no longer there. For Example Kedi Vigour Essential has the potency of preventing, restoring and curing the prostrate organ. It is recommended for males who are above 40 years to use Vigour Essential for the prevention of the enlargement of their prostrate organ while those with the problem add Reishi and Cordy Active to restore the organ to normalcy.

    QUICKER RESULTS
    With my 22 years in the healthcare Industry, I have never seen any quick acting product like KEDI herbs, for instance the KEDI REVIVE nicknamed as AK-47. It restores home and bring happiness to many families. That is why there is the slogan Kedi! The difference is clear.

    ADAPTOGENIC
    Kedi products are adaptogenic, they stay in the body for a long time and when needed especially when met with challenges, the body releases them to meet with the demand. It acts like a wallet where you remove money whenever needed as long as there is money saved in that wallet. Cordyceps, Zinc, beta carotene all in Cordy Active play such roles, similar effect is applied with Qinghao.

    SYNERGISTIC
    Kedi products have triple effect! Let not the simple container confuse you! The science is synergy simply says 1+1=3, that means each of the product formulation produces an outstanding finished product. There cannot be any imitation and the difference is always clear. E.g Cordy Active produces a total cure for most asthmatic conditions. Vigour essential boost sperm enormously, Revive restores erection like horse and cure impotency.




    CARDIBETTER TABLET IS THE BEST TREATMENTS FOR
    Coronary heart disease (CHD) - is a disease in which a waxy substance called plaque (plak) builds up inside the coronary arteries. These arteries supply oxygen-rich blood to your heart muscle, such as Heart Failure, Heart Attack, Arrhytmia etc.
    Angina Pectoris : is chest pain or discomfort that is caused when heart muscle does not get enough blood. Angina results from the demands of the myocardium being unable to be met by blood supply. its symptoms include pressure or squeezing in your chest, pain occurence in shoulders, arms, neck, jaw, or back. Angina pain may even feel like indigestion.
    Hypertension : also referred to as high blood pressure, is a condition in which the arteries have persistently elevated blood pressure. Every time the human heart beats, it pumps blood to the whole body through the arteries and can lead to damaged organs, as well as several illnesses, such as Renal failure (kidney failure), Aneurysum, Heart failure, stroke or Heart attack.


    Diawell Tablets is a health solution for Type 2 Diabetes, CAG and Blood Sugar.
    DIAWELL TABLET IS THE BEST TREATMENTS FOR

    Diabetes Type 2 - is a lifelong (chronic) disease in which there is a high level of sugar (glucose) in the blood. Type 2 diabetes is the most common form of diabetes. Early symptoms may include : Bladder, Kidney, Skin, or other infections that are more frequent or heal slowly also Fatigue, Hunger, Increased thirst, Increased urination, not to mention Blurred Vision and Erectile dysfunction etc.
    Chronic Astrophic Grastris - Atrophic gastritis (AG) is a condition that develops when the stomach’s lining has been inflamed for many years. The inflammation is most often caused by an infection of the bacterium H. pylori. The infection gradually destroys cells in your stomach lining. It is thought that the bacteria cause inflammation by disrupting the barrier of mucus that protects your stomach lining from the acidic juices that help it digest food. Less often, AG occurs because your immune system mistakenly attacks the cells in your stomach lining.
    Blood Sugar - The term 'blood sugar' is a misnomer since it means only glucose. Yet there are other sugars besides glucose that are present in blood. If the body fails to maintain normal levels of glucose, it may give rise to several disease conditions. Persistently high blood glucose is called Hyperglycemia. Diabetes Mellitus is characterized by persistent hyperglycemia from any of several causes. It results from the body’s failure to regulate blood sugar. Long term hyperglycemia leads to damage to several organs like the retina, kidneys, arteries etc.
    If blood sugar levels drop too low, a potentially fatal condition called Hypoglycemia develops. This may be manifested as weakness, drowsiness, shaking, irritability, sweating etc. In severe cases it may lead to loss of consciousness and even brain damage.


    Jointeez Pill is good for the treatment of any joint related health problem.
    JOINTEEZ PILL IS THE BEST TREATMENTS FOR

    Osteoatrthritis - is the most common form of atrithis. It causes pain, swelling, and reduced motion in your joints. It can occur in any joint, but usually it affects your hands, knees, hips or spine.
    Osteoarthritis breaks down the cartilage in your joints. Cartilage is the slippery tissue that covers the ends of bones in a joint. Healthy cartilage absorbs the shock of movement. When you lose cartilage, your bones rub together. Over time, this rubbing can permanently damage the joint.
    Risk factors for osteoarthritis include - Being overweight, Getting older, Injuring a joint.
    Rheumatoid Arthritis : (RA) is an inflammatory disease that causes pain, swelling, stiffness, and loss of function in the joints. It occurs when the immune system, which normally defends the body from invading organisms, turns its attack against the membrane lining the joints. Symptoms include -
    • Tender, warm, swollen joints
    • Symmetrical pattern of affected joints
    • Joint inflammation often affecting the wrist and finger joints closest to the hand
    • Joint inflammation sometimes affecting other joints, including the neck, shoulders, elbows, hips, knees, ankles, and feet
    • Fatigue, occasional fevers, a loss of energy
    • Pain and stiffness lasting for more than 30 minutes in the morning or after a long rest
    • Symptoms that last for many years
    • Variability of symptoms among people with the disease
    Muscle joints sore such as inconvinient flexicon. (Delay in treatment can lead to disability)

    SOME TESTIMONIES OF USERS
    PILE (HEMORRHOID) TREATED WITH KEDI CONSTILEASE
    I have suffered from pile for over 12 years, the ailment caused me so much pain and discomfort. As a man, I put on pad on daily basis and change sometime three times a day. I hardly sit down or sleep, blood keep draining from my anus.  I recovered my health the moment I was introduced to Constilease. Operation was cancelled. It was a miracle to me. I can sit down, sleep very well and eat without vomiting. My skin is also regaining moisture. I am so excited. Mr Effiong Akpan.

    Stroke and Hypertension cured with KEDI Golden-Six
    I had partial stroke and at the same time, I was hypertensive. This problem has been there for a very long time till a friend who had used KEDI products introduces me to Kedi Golden Six and Cordy Royal Jelly. I couldn't talk very well at time, and limps while working as well. 6 weeks after using this product, I experienced a miraculous healing! "I couldn't believe I will be on my feet again to live my normal life."! - Mr Raymond Okolo. Ondo

    Chronic Ulcer cured with KEDI Gastrifort
    I have been diagnosed for a chronic ulcer for several years and I have been on various kind of treatment including herbs.  I could not eat a lot of foods so many edibles such as gari and spicy foods. I regained my health after using Kedi Gastrifort, which was introduced to me by my daughter who is a Kedi distributor. I can now eat all those things I could not without any problem. "I am free."! - Mr Peter Orimogunje, Akure

    Fibroid Growth Decreased with Reishi
    I had fibroid growth for several years before my friend introduced me to KEDI Reishi. Just 6 weeks after using this product. I experienced a marvelous change on the size of the growth. I feel so happy over this rapid effect of the Medicine over my system. Miss Ekeng, Lagos

    Loss of Weight Achieved with KEDI Magilim
    It was amazing to me! I never knew it could happen so fast! I mean I lost 10kg in 6 weeks with KEDI magilim. I feel very very excited about this, and I have been able to introduce several people to KEDI products on this account. Chief Jasper Okon, Calabar

    Menopausal Syndrome Controlled with KEDI Golden Six
    I am 52-year-old woman, who stopped seeing my menstrual period 5 months long. This sudden change in my system caused me so much pains and agonies. I was introduced to KEDI Golden Six and my story changed. I started seeing my menstrual period again few weeks after using this product and all the pains are gone "I am relieved" (Anonymous).

    Sexual Performance Boosted with KEDI Revive
    I am a 68-year-old man who has always desired to boost my sexual performance. I have not been able to achieve this result till I was introduced to KEDI Revive. My sexual performance was boosted after using this product without any side effect. (Anonymous)

    Staphylococcus Auerius Cured with KEDI Reishi
    I never believed it could act so fast, I have staphylococcus Auerius for over five years, this have weaken my sexual system and my wife was also infected, we have used several medications from several hospitals and doctors. But when I was introduced to KEDI Reishi product, I took it and started seeing improvement in weeks, 6weeks later I went for lab test, behold I was negative, repeated the test a month later to be sure and yet, I remain Staph negative. I thank God we are now a healthy and happy family, in fact we are now KEDI distributors as testimonies. Anonymous




    Cushion Massager is good for Improving General Well-Being.
  • Reduces muscular tension and associated discomforts
  • Enhances tissue elasticity and flexibility
  • Relieves muscle aches and stiffness
  • Reduces Muscle soreness after exercise
  • Improves circulation and oxygenation
  • Reduces stress and anxiety
  • Boost immune system and releases toxins


  • Vip Chair Massager is very good for Athletes, Gymnasts, Acrobats etc.
  • Relieves stress muscle tension
  • Reduces muscle cramps and stiffness
  • Improves breathing
  • Lowers blood pressure
  • Detoxifies the body
  • Improves skin and posture
  • It helps improve and adjust your posture, relax muscles and aid those with little or no curve in the lumber spine to achieve better posture.
    It enhances pneumatic massage from the hip joint and buttocks to the inner thigh muscles, in order to stimulate nerves and promote blood circulation
    Air bags follow the shape of the calves to apply pressure in a consistent rhythm. This helps promote blood flow in the lower body for a complete circulation to the heart.
    Relief from pain due to musculoskeletal injuries and other causes
    Relieve tension and headaches
    Stimulates the immune system
    Reduce blood pressure and heart rate. 
    Stimulate the dilation of blood vessels to help create an elimination of impurities and toxins in your blood, tissue and organs. Meanwhile, when the blood vessels are dilated the blood pressure also can be reduced.
    Treatments and prevention of Stroke, Hypertension, Blood Pressure, Paralysis


    Car and Home Massager makes long hours driving more pleasant and relaxes tired back muscles.
  • What's so special about this MASSAGER?
  • This Car and home massager will make your long trip more pleasant than ever!
  • It has three vibrating massage nods in the seat
  • Three speed vibration massage and
  • Three vibration modes that can be selected.
  • Target your massage areas for better result
    How Does it feel!
    The soothing massage helps relieve tension in your back, neck and shoulders. Feel the rolling sensation that stimulates the hands of a therapist on your back!
    The Car and Home Massage is ideal for use in the car, at Home, or in the office. The vertical and circular motion of the massaging back will relieve tension, pains and stress for the back, neck and shoulders thus promotes long life


    Blood Circulatory Instrument (Massager) is designed to increase blood supply to the rest of the body, ease pressure and reduce Fatigue.
    • Weight control
    • Flu
    • Chronic Headache
    • Hypertension
    • Lower Blood pressure
    • Skin allergy
    • Backache
    • Rheamatism
    • Splenic and gastric disease
    • Constipation
    • Paralysis
    • Stroke
    • Lumber extrude
    • Hyperlasia of prostrate gland
    • Liver dysfunction
    • Chronic Diarrhea

  • It treats sexual disorder and cardiac function
  • it treats rheumatism, gout and headache
  • It treats Constipation and hemorrhoid
  • It helps in weight reduction
  • It helps people with sleeping disorder
  • It treats cold, hypertension and hypotension
  • It treats people with climatric syndrome
  • It treats Chronic infection of the urinary track
  • It treats paralysis of facial nerve
  • Diabetes II
  • It treats joint pain arthritis, leg and back ache

  • Foot massage is a Traditional Chinese Medicine Treasure. There is a famous Chinese saying "human foot is like tree root, if root dies, the tree will die; if foot is weak, human will be sick", Chinese regards the foot as the second heart of human.
    Foot massage is self-healthcare suitable for everyone, even after your first treatment, you will feel rejuvenated and relaxed. The massage will increase blood supply to the rest of the body, it will ease pressure, reduce fatigue.
    African people always wear sandal, while the feet are being exposed to the sun, rain, dust, bacteria and virus and being apt to be hurt, infected, so the feet need to be taken care of. Our blood Circulatory Instrument is specially designed for African people. Foot reflexology is meant to increase the health and well being in the whole body. It is based on idea that all nerve zones begin in the feet, foot reflexology is thought to cure many ailments. By massaging certain areas of the foot, and applying certain pressures and stokes to particular areas, a practitioner of reflex zone therapy can provide many benefits.


    Slimming Belt Massager is very good for Athletes, Gymnasts, Acrobats etc
  • Helps you achieve a desired body shape
  • Helps in burning fat and weight reduction
  • Helps in basic toning of the body with its unique oscillation movement
  • Aids the process of digestion
  • Enhances better blood circulation around the points of contact
  • It reduces muscles fatigue

  • Dolphin Massager increases Blood Circulation, thereby increasing Life Span and general sense of well being.
  • The  most important  aspect of it is that it increases blood circulation, thereby increasing life span and general sense of well being. Its other health benefits are as follows:
  • Stress Relief
  • Sound sleep
  • It enhances athletic performance as it relaxes tight muscles after exercise
  • It strengthens the immune system
  • It stimulates the digestive system and activates the urinary system
  • It normalizes Blood Pressure
  • It relieves muscle ache and banish fatigue

  • Fashion Fitness Massager is effective for pains.
  • It stimulates immune system by increasing peripherals blood lymphocytes
  • It prevents stroke
  • Suitable for mid lower back
  • abdominal, calf and thigh massage
  • Improves blood circulation and lymphatic flow
  • Reduces stress
  • Effective at relaxing shoulder/neck muscles and easing aches and pains
  • Relieves pain due to musculo-skeletal injuries and other causes
  • Reduces blood pressure and heart rate
  • Special heating function can promote the blood circulation of your neck, shoulder and waist which eliminates fatigue, ease your ache and improve your metabolism.
  • Saturday, March 6, 2010

    Advantages of Getting Auto Insurance Quotes Online

    Today the Internet has become an important tool when doing any research about products or services. This includes auto insurance. The auto insurance industry has adapted to take advantage of the communication and Internet revolution. In the past obtaining rates from carriers required both time to do it and money to facilitate your efforts in dong the research, i.e. pay phone bills, transport costs.

    Once you got the primary data you then needed to analyze the information. Putting insurance quotes and policies side by side to see their differences required a lot of patience and a high level of attention to details. Due to the monotony and tedious nature of the task many people forfeited altogether doing any research on these insurance products. Towards the end of the 90s, insurance companies saw the potential and benefits involved in making use of the Internet to conduct insurance research online.

    Auto insurers discovered that they could make the auto insurance process more effective and efficient online for the consumer. Some of the benefits of going online include: Online rate comparisons make it easier and faster for people to compare the insurance products of many companies as opposed to individual inquiries for quotes. Going online also helps the market have the ability to analyze and research several factors individually, feedback history and more.

    Another benefit of the auto insurance industry adapting to this technology is that it has made the insurance cover cheaper; the facility to buy a policy without using the services of a broker has eliminated some costs that you would have otherwise incurred.

    Here's a tip...

    Most people know that the Best Way To Get Cheap Car Insurance is to compare insurance rate quotes.

    Free movie downloadS

    Free movie downloads are more common than you think on the Web, and here are the best places to find them.

    Free Movie Download Sites

    Lots of websites promise free full length movies, but I've sorted through it all to show you the top ten very best sites that will deliver great video right to your desktop. Keep reading for the

    Free movie downloads are more common than you think on the Web, and here are the best places to find them.

    Free Movie Download Sites

    Lots of websites promise free full length movies, but I've sorted through it all to show you the top ten very best sites that will deliver great video right to your desktop. Keep reading for the best
    hulu is one of the best places to find free, full-length, high quality movies and television shows on the Web today. Hulu features full episodes of TV shows both current and classic, full-length movies, original Web content, and clips of just about everything you can think of.
    What can I watch on Hulu?:
    Hulu has partnered with major content providers such as Fox, the Comedy Channel, and various movie studios to bring you full episodes of your favorite shows. For example, you could catch the latest Daily Show with Jon Stewart, The Office, Nip/Tuck, 24, and of course, plenty of full-length, premium content movies.
    How to Filter Content on Hulu:
    There are a number of ways you can filter what you want to see on Hulu.
    • Search by name or actor
    • Browse Hulu channels
    • Decide if you want to see just clips or full-length episodes or movies
    • Click on the What's New or Most Popular links
    How do I keep up with my favorite shows on Hulu?:
    Hulu has provided an easy way to track your favorite shows. On the main page for every show, you'll see a Subscribe button (you'll need to be a registered user of Hulu in order for this to work). You can subscribe to any show's episodes or clips; you'll get these in your Hulu user queue.