Serious health events can be anticipated and prevented! All you need to do to start is realise the things you have read or heard may only be partially correct when it comes to the subject of disease prevention and your ability to bypass a heart attack, cancer, or other serious health events.

Our 25 years in the health and financial services industry depicts a different picture by the life assurance statistics. The majority of claimants are unaware of this fact. When you take back control of the choice to own your well-being, you then gain the opportunity to save big and self-insure, partially or fully, your health and critical illness covers.

The value of critical illness cover on a life portfolio has proved a viable option when you uncertain or suspect your journey to incur or end in a serious health event. As the years go by it becomes a costly exercise to keep up the premium payments.

I encourage you to assess and evaluate your health status by taking proactive and preventative steps to manage such events from occurring. Why? Because you can control around 95% of diseases that could impact upon you. Wow, isn’t that enough reason to get going?

Why do many insure themselves to the maximum they can afford, but take no steps to prevent what they have insured themselves against. If a little exercising and eating ‘healthy’ foods is the answer, why is claim results of one of the worlds most proactive life assurers no different to that of any another insurer?

Cause of death statistics show there is in a 1 in 3 probability that each one of us will suffer from cancer or heart disease. Would you want to change this if you knew you had a 95% influence on how this plays out for you? Or are you playing a game of ‘Russian Roulette’ and waiting for the next live round?

Has anyone in the financial services industry ever told you to buy less cover? No, we are trained to sell to the maximum. Will this save you any money? Yes, undoubtedly and you could save or invest the largest portion of your life portfolio into YOU.

The risk of a fortuitous health event could have a number of consequences at the time, or even for a lifetime. The event could stop one from being able to fulfill their role in the home or in the office. What about losing out on so many dreams and visions you have? Many who insure themselves are under the illusion, possibly also by the insurer or broker, that all will be well should any health event occur. This is so far from the truth and the only way to prevent this is for you to take action and if insurer realise the payout is to assist on the financial consequences of the event. This is why the Infinite Risk assessment becomes very important. It has the potential to predict and prevent certain ‘unexpected’ health events and unknown trappings, even assessing the wording of your policy of insurance.

Now because heart disease and cancer’s of all kinds make up the 2/3rds of claims across all insurers, if you take the correct steps to go through a comprehensive assessment, you will prevent or minimise the majority of serious illness on your life. And when assessed, the correct control or intervention is vital to health recovery. 

Some may dismiss this fact and respond by saying that you are insured for all health events and your income will be replaced. How about your life,  your health, your dreams, your visions – will that be replaced?

You realise the critical illness cover of your portfolio is a costly amount paid away each month. In some instances it makes up the greater proportion of all costs. Many during non-employment years have to cancel their cover because of it’s cost burden. If you price according to your health risk, you could realistically reduce insurance costs by up to 45% per month. How about the savings over a year or over 10 years?

The way assessments normally work is they are conducted year on year with the aim of identifying at-risk health concerns and making them known to the person. Thereafter you would have the choice to improve upon any concerns raised in your report. What normally happens thereafter is very little to nothing. The reason is most are not empowered with the correct insights in terms of how and what to be changing to improve on the report results. And if something is picked up by the doctor, 9 times out of 10, a prescription follows and onto medication, which in some instance last a lifetime. This does not benefit anyone except the suppliers of the medication and those prescribing it.

As a cautionary note, unless you have followed our method and steps to assess your risk correctly, doing so could be more detrimental. For more information on how to reduce your risk, your premium, be well and self-insure,  contact us and we will do the rest.

Peter Šmanjak

Owner and Founder at Infinite Risk

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