Baby Boomers recognize the importance of being both physically and financially healthy, but according to a recent John Hancock survey they could be living healthier lives which would potentially make them more prepared for their financial future.

What if by living a healthier life you could get discounts on your life insurance premium? The Boomer generation loves the world of discounts - early bird specials at your favorite restaurant or senior discounts at the local cinema. Well John Hancock's new life insurance with Vitality gives consumers the opportunity to significantly save on their premiums and earn valuable rewards and discounts--simply by living a healthy life.

"More than ever, Americans are at the crossroads of health and wealth and are looking for ways to improve both areas of their life," said Michael Doughty, president and general manager at John Hancock Insurance. "John Hancock strives to help Americans with their financial needs, and planning for the future, and recently has focused on integrating healthy living into our insurance products in an effort to help consumers with their most important needs." and Doughty discussed some of the findings from the survey and just how their insurance with Vitality works. Here is what he had to say:

Boomer: With September being Life Insurance Awareness Month (LIAM), how can insurers make life insurance relevant to the daily lives of baby boomers and new generations of policyholders?

Doughty: Industry studies show Americans recognize the value of life insurance and even say they need it - but this insurance hasn't been the priority for them that it had been to past generations, and the gap between those who need it and those who have it is growing larger.

Subsidizing some employer-sponsored insurance with Medicaid funds would affect an estimated 7,700 low-income Arkansans and save the states Medicaid program $29 million annually, Gov. Asa Hutchinson told an advisory group Thursday.

Our customers look to us to provide complete financial products and services and we recognize that our customers buy auto and home insurance every year, said Al Erickson, director of finance, strategic planning and risk management at Gate City Bank.

For more information about Gate City Insurance Agency, visit

Jackie, a Manchester terrier mix who ingested perfume, is vying with a tape-eating cat from Virginia and other reckless animals in the latest contest for the most unusual pet insurance claim of the year.

"Jackie's bizarre break-in gave her a huge bellyache after she figured out how to open the family's junk drawer and ate all of its contents, including a medicine bottle, a bottle of fragrance and a pair of sunglasses," Nationwide Mutual Insurance Co. said.

The Indiana dog "needed X-rays and laxatives, but eventually was able to pass all the items."

Nationwide is seeking to highlight the risks to pets as the company works to expand coverage of domestic animals.

The Hambone award, named for a dog that ate an entire Thanksgiving ham while stuck in a refrigerator, has been given to the most bizarre claim every year since 2009.

The winner will be decided by a public vote through Sept. 30, and the animal hospital that treated the first-place contestant will get a $10,000 award, said Columbus, Ohio-based Nationwide. Previous winners include a Labrador retriever that ate a beehive along with thousands of its inhabitants.

Among this year's nominees are a boxer that swallowed a barbecue skewer; a pug that consumed magnets that pinched its intestinal tract together; and Charm, a silver-shaded Persian cat from Woodbridge in Northern Virginia who ate more than 3 feet of packaging tape.

Policyholder-owned Nationwide is among the 10 largest insurers for home and auto policies in the US

The company sells animal policies under the Veterinary Pet Insurance brand and covers creatures including dogs, cats and birds against such risks as accidents, illnesses and injuries.

The company insures about 550,000 pets and reviewed more than 1.3 million claims over the past year before selecting the 12 Hambone nominees for 2015.

"These stories exemplify the importance of taking the necessary precautions and seeking veterinary treatment when an animal shows signs of distress," said Carol McConnell, chief veterinary medical officer for Nationwide, in the statement. "These pets all made remarkable recoveries because of their quick-thinking pet parents and proper treatment by skilled veterinarians."

SAN ANTONIO - A San Antonio cancer patients treatment is put on hold after getting repeatedly rejected by his insurance company for the drug his doctor prescribed.

Fred Garza was diagnosed with kidney cancer back in April.

Of course that was an emotional setback because no one ever wants to hear they have cancer, Garza said.

Soon after, Garzas doctor, Dr. Stephen C. Cohen, MD, Medical Oncology, said he could treat the disease with two types of drugs.

However, Humana, Garzas insurance provider, denied the second drug.

Ive been trying for four months to get a drug called Avastin, Dr. Cohen said. Which is a drug approved for kidney cancer to be added to other drugs, which is currently the treatment of choicefor patients with kidney cancer.

Its like an emotional roller coaster, Garza said.

Humana has denied three requests.

In one letter, Humana called the drug Avastin combined with another drug experimental and not covered for that purpose.

However, Dr. Cohen said he treats another patient, with the same diagnosis and same insurance, Humana, approved the drug, Avastin.

The only difference that patient falls under Humana Medicare.

Its outrageous, said Garza. It makes no sense at all that I would treat two patients with the same disease in a different way just because the insurance company tells me so.

As Garza waits for treatment Dr. Cohen said the cancer is winning the fight for now.

I think its disheartening that an insurance company is so greedy that they cant provide this person with state of the art therapy, Dr. Cohen said.

I know that the good Lord is going to test those decision-makers at Humana so, they can make the right decision so I can continue to fight this disease like I need to, Garza said.

Humana released a statement on Monday:

Due to federal privacy laws, Humana cannot comment on individual health-plan members. We work directly with our members to resolve any issues.

However, a spokesperson for the company, Genentech, that manufactures and distributes Avastin, said the drug is currently approved for metastatic kidney cancer.

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