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Term life insurance is an insurance policy that will give a lump sum payment to beneficiar

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

ies upon the death of the policy holder.

While most people cringe at the bare mention of

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

Examples of combination products may in

ife insurance there are many important reasons why coverage should be obtained. Simply bec

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

use a subject puts us ill at ease does not mean that we should not think about it.

Here a

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

e the following reasons why you should obtain term life insurance coverage.

Term Life Ins

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

Combination pro

rance Reason #1

Financial stability for your beneficiaries. If you are no longer around y

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

ou want to ensure that your beneficiaries, ex: children, spouse, other dependants, can con

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

inue to enjoy their present lifestyle. There are many stories of families who had to give

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

p their current lifestyles because the main income earner was no longer around.

Term Life

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

Insurance Reason #2

Peace of mind. While having peace of mind might seem like a minor rea

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

on for purchasing term life insurance it actually can be one of the most important ones.

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

Following aspects would a

Think about the difference in your life if you knew that your dependants would be fine if

dd to the challenges in developing combination products:

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

ou were no longer around. The notion that your family would have sufficient funds would gi

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

e you the confidence to pursue a full life even if doing so entailed taking risks.

Term L

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

fe Insurance Reason #3

Estate tax planning. Once you are no longer around the IRS will ex

t?

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

ect your heirs to pay taxes on your assets. If they do not have the financial resources to

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

Professional from academic institutions, pharmaceutical industries, health care indust

pay the taxes your estate will need to be liquidated. Since we all know that liquidation

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

ales usually force down the price that assets are sold at, we would want to avoid this. Th

.

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

refore, you would be better off having a term life insurance policy which would deliver a

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

Companies that provide selfless information through particip

ump sum to your heirs. They could then use that money to pay any taxes owed on your estate

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

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