One key player has not been swayed by all this wireless-friendly research: the insurance industry. The Nation has not been able to find a single insurance company willing to sell a product-liability policy that covered cell-phone radiation. “Why would we want to do that?” one executive chuckled before pointing to more than two dozen lawsuits outstanding against wireless companies, demanding a total of $1.9 billion in damages. Some judges have affirmed such lawsuits, including a judge in Italy who refused to allow industry-funded research as evidence.24
The study was an attempt to draw attention towards the adverse effects of non-ionizing electromagnetic radiations (NI-EMR) in the frequency that is used widely in the field of telecommunication. Many studies have captured the impact of the 900 MHz and 1800 MHz frequencies, however the frequency of radiation in Wi-Fi range has not been much explored. Along with the use of cell phones there is a growing concern with the use of Wi-Fi devices which continuously emit radiations in the frequency of 2.4 GHz. Hence we thought it prudent to investigate the impact of radiation of the frequency of 2.45 GHz. It can be concluded that the exposure to non-ionizing radiation of 2.45 GHz caused detrimental changes in rat brain leading to learning and memory decline and expression of anxiety behavior along with fall in brain antioxidants. The exposure triggered the gene expression of caspase 3 which plays a major role in the apoptotic pathway. The chronic impact of non-ionizing radiation needs to be thoroughly evaluated in humans so that combative steps can be taken.
Wireless internet (Wi-Fi) electromagnetic waves (2.45 GHz) have widespread usage almost everywhere, especially in our homes. Considering the recent reports about some hazardous effects of Wi-Fi signals on the nervous system, this study aimed to investigate the effect of 2.4 GHz Wi-Fi radiation on multisensory integration in rats. This experimental study was done on 80 male Wistar rats that were allocated into exposure and sham groups. Wi-Fi exposure to 2.4 GHz microwaves [in Service Set Identifier mode (23.6 dBm and 3% for power and duty cycle, respectively)] was done for 30 days (12 h/day). Cross-modal visual-tactile object recognition (CMOR) task was performed by four variations of spontaneous object recognition (SOR) test including standard SOR, tactile SOR, visual SOR, and CMOR tests. A discrimination ratio was calculated to assess the preference of animal to the novel object. The expression levels of M1 and GAT1 mRNA in the hippocampus were assessed by quantitative real-time RT-PCR. Results demonstrated that rats in Wi-Fi exposure groups could not discriminate significantly between the novel and familiar objects in any of the standard SOR, tactile SOR, visual SOR, and CMOR tests. The expression of M1 receptors increased following Wi-Fi exposure. In conclusion, results of this study showed that chronic exposure to Wi-Fi electromagnetic waves might impair both unimodal and cross-modal encoding of information.
Cell phone radiation may disrupt the functioning of pacemakers. A 2005 study in the International Journal of Cardiology found that mobile phones may have "adverse effects" on pacemaker functions under certain conditions. [59] According to the US Food and Drug Administration (FDA), radiofrequency energy from cell phones can create electromagnetic interference (EMI) that may disrupt the functioning of pacemakers, especially if the cell phone is placed close to the heart. [21] The American Heart Association includes cell phones on its list of "devices that may interfere with pacemakers." [60]
Enter: Radiation. Lots of radiation. According to some research studies, there’s enough EMF radiation emitted by our cell phones to penetrate two inches into the adult brain, and all cell phones hazardously heat our biological tissue, wreaking havoc on many parts of our body. Which leads to serious health issues like fatigue, headaches, brain tumors, DNA alteration, impaired immune system, damaged brain activity and a variety of cancers. At least, that’s what we know now.
If you think your heart races when surrounded by wireless networks or 3G or LTE cell phones, it may not be in your head. A study involving 69 subjects reported that many of them experienced a real physical response to electromagnetic frequencies. Exactly what was the physical response? Increased heart rate — similar to the heart rate of an individual under stress. [14]
For example, the latency period for radiation induced malignancies is, on the average, say 20 years, but epidemiologic studies of large groups of people (that only require a few thousand patients to reach statistical significance) exposed to ionizing radiation start showing an increase above baseline by seven years. So conservatively, there should be at least a few excess cases of glioma caused by cellular (or WiFi) electromagnetic radiation by now.

I really want to caution you to be careful of any "expert" or EMF blogger recommending anti-radiation filtering cases, stickers that attach to the phone or necklaces to "ward off" EMF.  I get it, when I first realized 25 years ago that I was sensitive to electromagnetic energy and then later, when I understood that without a doubt, man made electromagnetic radiation has a biological effect on my body, I wanted an easy fix.  I tried the shielding materials and cases and I just did not feel any better.  Then I bought meters to see if the energy changed and I actually noticed what the California Department of Health now says and it's what the FTC and FCC post warnings about:  "Some shielding materials can make exposures worse". So please, be careful and read on for what you can do to avoid electromagnetic radiation exposure.
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No scientist can say with certainty how many wireless-technology users are likely to contract cancer, but that is precisely the point: We simply don’t know. Nevertheless, we are proceeding as if we do know the risk, and that the risk is vanishingly small. Meanwhile, more and more people around the world, including countless children and adolescents, are getting addicted to cell phones every day, and the shift to radiation-heavy 5G technology is regarded as a fait accompli. Which is just how Big Wireless likes it.55
Nevertheless, a group of scientists got together in the mid-2000s, calling themselves the BioInitiative Working Group. This group, which largely consisted of wireless radiation researchers, has written a harsh reply as feedback to the reports claiming that posed no health risks.  The reply lists a wide range of health effects scientists at the European Commission have unfortunately either ignored or dismissed.