Actual - Real Estate

Reverse mortgages have gotten a lot of publicity lately and will probably get a lot of pres

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

s in the future as baby boomers near retirement age. A reverse mortgage is a home equity lo

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

Examples of combination products may in

an that you do not repay as long as you live in the home. You must be at least 62 and the h

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

ouse must be debt free or you must be able to pay off the debt other wise you can not quali

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

y.

The reason it is called a reverse mortgage is because it is the opposite of a regular h

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

Combination pro

ome equity loan where you reduce debt and build up equity. In a reverse mortgage you reduce

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

equity and build up debt. That is where the money comes from.

We have explored the many b

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

nefits of a home equity loan reverse mortgage and why they are a Godsend for many people. B

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

ut they're not the answer for everyone.

There are many big time issues that need to be exp

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

lored before you sign on the dotted line for a reverse mortgage home equity loan. Maybe tha

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

is one of the reasons why it is mandatory that everyone go thru counseling with a trained

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

Following aspects would a

counselor prior to executing the documents for the loan.

The biggest issue that needs to b

dd to the challenges in developing combination products:

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

e decided is whether or not you are going to stay in the house. There may be many emotional

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

reasons with fond memories for this. This cannot be taken lightly. What are the options? W

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

ere will you live? How much will it cost?

For many, long term care is a looming expense th

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

at is huge. Without insurance to cover it the home may be a source of funds to pay for this

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

Professional from academic institutions, pharmaceutical industries, health care indust

almost certain expense.

The home may be the best (only) asset in their portfolio.

On the

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

surface it is a no brainer, for many people though there can be many mitigating circumstanc

.

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

es that muddy the water making it NOT the right thing to do. Do your homework and get your

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

Companies that provide selfless information through particip

mandatory counseling before making this huge decision. Check AARP as an additional resource

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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