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Health Screening Tests Can Just Save Your Life

I was just having a conversation with two friends back in my army in-camp training and one of them had just returned back to camp after attending a family member’s funeral who just passed away due to Lung Cancer. My personal condolences!

And something that I have learned from this conversation is that my friend shared that his family member went for a health check because of a certain pain in the chest and was diagnosed with last stage of lung cancer and had only three more months…

The Concerns Against Cancers

My friend’s concerns were that he feels that cancer:

– is a sudden thing

– can happen to anyone irregardless of gender, age and health status

– is undetectable and is always the last stage at the moment of detection

– there’s no much chance of recovery once you are diagnosed

and these concerns were the same as my other friend and he added that:

– even with advanced medical technologies, it’s very hard to really detect because there are too many various forms of cancer and it’s expensive to do all of these just to have a peace of mind…

After you have read about this… what’s your personal views? Do you agree as well?

If you do have these concerns as well and you are still healthy now – it’s never too late to go for regular Health Screen Tests because these tests can just help you to have a clearer understanding of your health status!

And if your concerns are against cancers, you can always include Cancer Marker Tests inside your Health Screen Checks. I got this resource page that you can make reference to >> The Cancer Cure Foundation

What Tests Are Usually Done For Health Screen Checks

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High Blood Pressure – The Silent Killer To Your Health And Insurance

Do you know that most Singaporeans do not know that they are having High Blood Pressure or Hypertension till they have:

Gone through a first-time ever Routine Medical Health Check

– Experienced those frequent dizziness or headaches and decided to see a doctor

And the people suffering from it can be from all walks of life, e.g.

– you can be  healthy and fit but you are working under a stressful environment.

– because of the high intake of alcohol, salt (unknowingly) and fatty rich food as part of the daily meals

These are just two common reasons that my clients have shared with me for their cause of High Blood Pressure.

Do you also know…

Do you also know that once you have this condition, you are most likely going to be under a very long term medication and you have to be under a lower medication dosage even if the condition is stabilized. In other words, you cannot take yourself out of medication once you are diagnosed with High Blood Pressure!

A Concern To Take Note Of

And if you do know that you are having high blood pressure and under medications, its impact on your Financial Planning will usually be:

loading (extra premiums required and usually a minimum of 25% extra) for your normal life insurance application

exclusion (any conditions leading from high blood pressure) for your health insurance application

long term medication costs that you need to factor in to your Retirement Planning

The So-Called Symptoms Of High Blood Pressure

Read More »High Blood Pressure – The Silent Killer To Your Health And Insurance

You Are Unhealthy For Your Insurance… What Happen Now? Part 2 of 2

In the last post, I have written the type of loading and exclusion you may be getting if you have health issues like Weight Problem, High Blood Pressure and High Cholesterol Levels. I have also written some simple guide to help you to ace (sort of…) the medical checks so that you can get the insurance coverage you need.

How are you finding it? Good? Useful?

If you have not read it, this is the link again and hope that you will find it to your benefit >> You Are Unhealthy For Your Insurance… What Happen Now? Part 1 of 2

And in this concluding post, I will be giving you a few more scenarios and also a simple guide to help ace that medical check. Enjoy…

What Happen When You Are Unhealthy For Your Insurance (Part 2 of 2)

Read More »You Are Unhealthy For Your Insurance… What Happen Now? Part 2 of 2

You Are Unhealthy For Your Insurance… What Happen Now? Part 1 of 2

Congratulations on making that “big” decision to purchase your life and health insurance (after much budgeting and persuasion)!

But… You have became unhealthy for the application so what may happen…

After 4 years of being in this industry, I have came across a wide range of clients who have such health issues, and as their servicing agent, sometimes, its my duty and obligation to help negotiate for better terms so that they can go ahead and get the coverage needed!

Anyway the purpose of this post is not to comment on the negotiations that I have gone through (if you like to know for your own purposes, you can comment here and I will put up on the next post) but to let you have a rough feel that if you have became unhealthy, what will normally happen to your life insurance application when you really need to get one.

And if there is a need to go for a medical check, I will be offering a short guide on how to ace (not really 100% effective) the checks.

What Happen When You Are Unhealthy For Your Insurance (Part 1 of 2)

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30 Critical Illnesses – #1 Killer – Major Cancers

I was going through the insurance claims list of my company and was shocked to see that majority of the claims is due to Cancer-related.

The Thing About Cancer

Photo courtesy of and alwyck

What was even shocking to know is that Cancer can come knocking at your own door, even if you are just 2 years old or 55 years old when you are reading this and also regardless of whether you like it or not!

Cancer can strike anyone! So how prepared are you?

The #1 Killer:

  • For Singapore Men is Colo-Rectum
  • For Singapore Women is Breast
  • For Singapore Children is Leukaemia

Cancer do not cause instant death and you may have to go through a few years of fighting. You either lose or win this battle! So do you have enough Critical Illnesses Insurance and Medical Insurance to last you through this?

If you are still ignorant about the effects of Cancer, there are many informative sites like the National Cancer Centre Singapore site >> (click this to read up on what Cancer is all about and its warning Signs)

What Causes Cancer?

Read More »30 Critical Illnesses – #1 Killer – Major Cancers