(<2 min read time)

I have never met anyone who enjoyed paying their personal insurance premiums.

I have heard more times than I can count, "I pay these premiums each year and I've never had to claim!", insinuating that this is a bad thing.

Let's be totally honest with ourselves, not having to make a claim is actually a bloody good result! If you have claimed, it means you are either dead, totally disabled, have cancer, have had a heart attack or stroke, or at the least, are very, very sick.

So this month, I thought I would provide a few tips on reducing your chance of having to claim on your cover and increasing your chance of maintaining your current good health:-

1. Get regular sleep: The American cancer society concluded that people who had less than 6 or more than 9 hours per night had a death rate 30% higher than those who regularly slept 7 to 8 hours.

2. Exercise: Research published in the journal Circulation in 2011 found that improved fitness over a six-year study period was associated with a 19 percent decreased risk of heart disease and stroke-related deaths in men and a 15 percent lower risk of death from any cause.

In fact, the study found that maintaining or improving physical fitness was linked with decreased risk of mortality—even when study participants' body weight didn't change. According to the AHA, studies with women show a reduction in heart disease risk as high as 30 to 40 percent.

3. Spend time with family and friends and contribute to your community: Research shows that having good connections with other people has a big effect on our mental health, a major claimable event in Australia. Additionally, good connections have been shown to boost the immune system and protect from mental decline as we age.

4. Lower your stress: Forty-three percent of all adults suffer adverse health effects from stress, with stress being linked to all the leading causes of death, such as cardiovascular disease, cancer, accidents and suicide. In the US almost 90 percent of all visits to the doctor are due to stress-related problems.

5. Eat well: Almost two out of three of us are overweight from poor diet and lack of exercise and it has been estimated by the US cancer council that 14-20% of all cancer mortality comes from obesity and a poor diet.

So my challenge for you this month:- Focus a bit of your energy on lowering your chance of claiming on your insurance policy and increase your chance of leading a long, healthy life!

Hey, why don't you give me a call and we can go out for a coffee so you can tick off point 3, connecting?

Have a great month.

Cheers,

Ben Law.