Can you gamble with cardiovascular disease

The National Heart Foundation of Australia has estimated that nearly 4 million Australians have cardiovascular disease (CVD); almost 20% of the population. CVD prevalence increases with age, with 35% of Australians aged 55-64 reporting a long term CVD condition.
The Heart Foundation goes on to say that cardiovascular disease is the second largest cause of disease burden in Australia; accounting for 18% of the total burden of disease.

Cardiovascular disease is still Australia’s biggest killer. In 2011, CVD was the cause of 45,600 (31%) of all deaths—responsible for more deaths than any other disease group.

Knowledge and application of that knowledge is our battle against cardiovascular disease. By knowing the risk factors and developing protective factors we can reduce the likelihood of suffering a heart problem or disorder and improve our capacity to respond should a disease occur.

A protective factor can therefore be described as one that contributes positively to an individual’s health and wellbeing. Factors which protect against CVD can vary from levels of HDL in the bloodstream sufficient to help protect against arterial plaque formation to behavioural factors, such as getting regular physical activity or eating plenty of fresh fruit and vegetables. Socioeconomic protective factors, such as having a strong social support network or an adequate level of income, are also important.

Knowledge of the potential for cardiovascular disease should also be a reason to discuss whether you or your business is prepared for it to happen to you or someone important to you. What would you do if you could not work or have the work done by an employee integral to your business? Would your business survive losing a ‘keyperson’ for an extended period of time, or worse, permanently?

Knowledge is good, but only if you apply that knowledge. Safeguard your family and your livelihood, review your insurance cover and be proactive in looking after your health.

If you are in doubt with regards to your requirements or if you would like to review your existing life insurance, please feel free to call me on 1300 78 55 77.

Fact sheet released by National Heart Foundation of Australia www.heartfoundation.org.au

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Until now, SMSF members seeking life insurance have been restricted to purchasing a retail policy.

 

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Call us now on 1300-78-55-77 and ask more about the SMSF Master Life Insurance Plan.