Men's Health: The Importance of Regular Check-Ups and Life Insurance
When we talk about health, men often find themselves downplaying symptoms not wanting to ‘overreact’, focusing on work, and taking the classic ‘she’ll be right’ Kiwi bloke attitude. When it comes to taking care of themselves, it's easy to put health on the back burner and delay until tomorrow.
The reality is, staying on top of your health isn’t just about you - it’s about safeguarding your family, your future, and your legacy – being proactive, not reactive is so important.
Here’s why men’s health check-ups are essential, how they tie into life insurance, and how you can take practical steps to prioritise your health.
1. Why Men Should Prioritise Health Check-Ups
Men are statistically less likely than women to visit the doctor regularly. But the top causes of death among men, such as heart disease, cancer, and diabetes, are often preventable or manageable with early detection. By incorporating regular screenings and annual check-ups into your routine, you can catch issues early before they become severe.
Common Screenings for Men:
Blood Pressure and Heart Health: High blood pressure is often called the "silent killer" because it shows no symptoms but can be one of the main causes of heart attacks and strokes.
Cholesterol Levels: High cholesterol increases the risk of heart disease and can be managed through diet, exercise, and sometimes, if necessary, medication.
Diabetes Screening: Early detection of diabetes can prevent complications like nerve damage, vision loss, and heart disease.
Cancer Screenings: Regular screenings for prostate and colorectal cancer are especially important as men age, with prostate cancer being one of the most common types among men.
2. How Health Affects Life Insurance Premiums
Life insurance premiums are calculated based on various risk factors, with health being one of the most significant. An underwriter assesses your health status to determine your risk level, and better health often translates to lower premiums. Here’s how health impacts your life insurance:
Lower Rates for Lower Risks: By maintaining good health, you may qualify for preferred rates, which could save you thousands over the life of your policy.
Regular Updates: Some life insurance policies allow you to update or renew based on improved health, which can bring cost down or remove exclusions on your policy. If you make positive changes, you may be able to lock in a better rate or terms in the future.
3. How to Incorporate Health into Your Lifestyle
Achieving and maintaining good health doesn’t have to mean drastic changes. Small, consistent efforts can have a big impact. Here’s a few ideas on how to get started:
Annual Health Check-Ups: Book your annual health screening and set it as a non-negotiable appointment. Many men find it helpful to choose a specific month each year to get everything checked.
Regular Exercise and a Healthy Diet: Moving regularly and eating balanced meals are powerful tools for reducing the risk of many health conditions. Start small with achievable goals, like walking daily or eating more fruits and vegetables and reducing alcohol.
Mental Health Matters Too: Physical health is crucial, but mental health also plays a role in overall well-being. Prioritising mental health can help reduce stress, improve focus, and even positively impact your physical health.
Final Thoughts: A Healthier Life, A Stronger Future
Men’s health isn’t just about preventing illness—it’s about creating a strong, fulfilling life for yourself and those you love. Investing in regular check-ups can mean more than just physical well-being, but also a sense of security for your family, and peace of mind knowing you’re doing everything you can to live a long, healthy life.
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Legaseed NZ Ltd (FSP1005404) holds a licence issued by the Financial Markets Authority and provides financial advice in relation to financial & retirement planning, investments, KiwiSaver and personal risk insurance. Our disclosure information can be found on our website www.legaseed.co.nz, or is available on request and free of charge.
