According to the World Health Organisation (WHO), 2 slices of bacon per day increase your risk of colorectal cancer by 18%. Firstly, hard to believe as other foods have the same consequence, but the reported cases reveal Colorectal cancer is the second most prevalent cancer. It poses the highest risk to survival if not detected early.
The meat and cancer correlation graphic reveals definite and probable cause to specific cancers provided by Cancer Research UK. Knowing this, whether you believe it or not, would you continue taking the risk? If so, read on as we are aware of ways to minimise this risk if its not something you able to eliminate.
Starting at identifying the risk, the Cleveland clinic in the USA has stated that 6 out of 10 colorectal cancer deaths could be prevented if all men and woman over the age of 50 go for routine screening. Request our routine screening protocol.
My story – in 2013, after undergoing a comprehensive blood panel, the markers for a certain cancer was, for the first time, present in my blood. Exercising for 37 years and eating ‘healthy’ for most of my life, having markers show the future risk of cancer was alarming.
Click here to view one of the blood markers used to identify potential future cancer risk. The risk assessment application has been built to determine one’s risk and the potential consequences along with how to prevent it or, intervene after the fact. A comprehensive blood panel is imported into the model and the model provides the consequences of the risk, should it materialise if ignored, along with the various suggestions or controls to minimise either the risk or the consequence.
When one knows of this future risk, we have a few choices. Prevent or not to prevent and then insure or not to insure. insuring is creating an expectation of a payout on the critical illness insurance to help with treatment for where the medical insurance does not cover, and provide for the loss of income during the treatment process.
If insuring is the decision, make sure the list of critical or dread diseases covered by your policy of insurance is comprehensive and fires up a temporary income payment in LESS severity rated events. The trauma of being told that you have cancer, according to cancer survivors, is one of the toughest emotional challenges to work through. You do not want to be worrying about money during this time.
Life assurers offer very different products when it comes to cover for critical illness and especially that of the four major conditions with cancer being one of them. Educate and be aware of what is covered.
Disruptive Insurer’s Differ by Far
With a Disruptive and Innovative Product Provider, using an example in the event of a man is diagnosed with prostate cancer and it’s only progressed to the initial stage, Stage T1 , a payout is set at 25% regardless of the Gleason score (severity score). With almost every other insurer, to receive a 25% payment for the same condition the Gleason score must measure at least seven. This means the condition is severely progressed and one is not in a good state of health. This also means that one has been investing a premium in the event of a claim, and then when claiming, there is no payment. What would you expect? The chances are high when 1 in 8 men develop cancer of the prostate. Contact us for more details.
Another factor to consider, is where an insurer does not cover certain dread or critical illness diseases, they have a Catch All benefit. However one must note there is a large difference to what Catch All means. What we learn is it DOES NOT catch all and is rather misleading in many instances. Catch All also carries a different meaning to the insurer, the broker who is selling the product, and you the client. The catch all would evoke three different responses.
What you must consider when reviewing your current cover or looking to purchase risk cover for future critical illness? Okay, let us say that no one knows what will be in their path of developing a disease or suffering from a condition, especially when ignoring any form of prevention. At least make certain that for the 68% or more of conditions most claimed under a policy of insurance, the cover is comprehensive and priced favourably. Amongst other criteria consider the following:
The various critical illness diseases covered and conditions, the breadth of these conditions, how many and when do they activate a payment.
For instance in a case of a heart attack, are all heart attacks covered. No, this is not the case. See our write up of a fellow colleague having a heart attack and only receiving a portion of the insured payment. Other reports exist where policyholders have made it public when the insurer declined legitimate claims, then later settled the claim. Click here.
If you can purchase a product for the same price or less and it activates a payment in Stage 1 for instance with cancer versus the more serious and life-threatening Stage 4, make sure you have the comprehensive product.
Purchasing insurance is like investing – you pay away an amount for a future return. Go for maximum return.
A top-up is selected on your critical illness cover so that it takes the 68% of critical illness claims conditions and all the other covered conditions and pays them at 100% or more.
During a period of not earning income, that the income paid by the insurer is not aggregated against other income you may be able to generate whilst not at full working capacity.
The insurer will not reassess a claim after a permanent disability claim has been approved.
How a claim will be assessed at claim stage: defined events or occupational disability or functional impairment. Stay away from subjective, occupation-focus; proving loss of income or aggregation against active income. All factor to repudiate a claim.
Claims criteria to be objective, and comprehensive. They should offer an illness and injury focus, with defined medical definitions and an independently assessed own-occupation underpin to increase the chances of a valid claim.
Existing claims definitions in the market are often opaque, subjective and may pay out on an either an occupational definition or a medical definition. They may also contain barriers to claim – like using stringent ADLS (activities of daily living criteria) to assess disability claims. This leaves clients exposed and uncertain. This is a card the insurer has to repudiate a claim.
Don’t buy life insurance. Buy what life insurance, disability and critical illness cover can do for you.
Purchasing critical illness cover seems rather simple, however countless claims have been repudiated for various reasons and what was expected to be paid was not paid or paid at a lesser amount. Claim payments are the true test of the insurer and its ability to honour a claim.
And don’t wait until you have developed the disease, suffering with an insurable condition or being disabled. There are niche insurer whom we deal with that do offer such cover, however the cost will be your deciding factor and what they are prepared to underwrite and cover for you.
A risk-based view allows you to select the cover to deal specifically with your present and evolving needs. Click here to download a needs matched enquiry form. Complete the form and emailit through and we will be able to confirm the available options for you. For a risk-based review of your current life, investment and health portfolio, contact us at firstname.lastname@example.org.
We see deficiency presenting itself time and time again with clients undergoing a nutritional status assessment or blood panel. In the meantime, if bacon and other such processed animal products are too tempting for now, then balance out with a highly alkaline supplement. Our nutritional advisor would suggest, amongst two other organic products, Barley Life, an equivalent to 6.24 cups of organic leafy greens in one serving. This could help alkalise the blood to minimise any potential risk of colorectal cancer and assist with improved energy and focus. The other two supplements include the Herbal Fiber Blend and Herbal Release. Contact us for more details or to order health supplements for your specific condition.