Wealth Management Hong Kong
1075 Central Building 1-3 Pedder Street Central Hong Kong
Hong Kong 
info@wealthmanagementhongkong.info

Life Insurance Hong Kong

Life Insurance Hong Kong

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Compare Find Comparison And Buy The Best Low Cost Affordable Priced Life Insurance In Hong Kong

Compare Find And Buy The Best Low Cost Affordable Life Insurance Cover Comparison In Hong Kong 

Here at Private Wealth Management Hong Kong we have the reputation of putting our clients’ interests first and above everything else.

This site is designed with our clients and our reputation in mind.

Compare Find And Buy The Best Low Cost Affordable Life Insurance Comparison In Hong Kong

Here you can Compare, Find, and Buy The Best Low Cost Affordable Priced Life Insurance and Critical Insurance Plans Comparison with worldwide cover.

To indicate our commitment to our clients and our reputation, we have a Guarantee that we will not be beaten on price (on any like for like Life Insurance and /or Critical Illness Insurance Plan).

You can now be assured that we are going to work very hard for you in finding the Best Life Insurance and /or Critical Illness Insurance Plans for you at the Lowest Affordable Cost.

In addition we only recommend and work with the Top Life Companies Worldwide as this also ensures that we provide the Best Life Insurance and /or Critical Illness Insurance Plans for our clients.

Why don’t you go ahead and get in touch with us today and put us to the test.

Life Insurance Broker Hong Kong

We know that you want to compare life insurance plans and get life insurance product comparisons from the market leading life insurance broker in Hong Kong.

We have helped people since 1993 right here in Hong Kong and we can help you get the best life insurance policy for you and your family.

By visiting our site we assume you are looking at buying life insurance in Hong Kong and are looking for affordable life insurance products to explore your insurance options.

OK you get it “I need life insurance and I need insurance now” but when buying life insurance in Hong Kong there are some areas to consider:

  1. You want to compare life insurance plans
  2. Pre-existing conditions can you still get life insurance
  3. What is the best low cost life insurance

Compare Life Insurance Plans

We compare life insurance plans in the life insurance market in Hong Kong to explore the affordable life insurance alternatives for you.

Hong Kong Life Insurance Pre Conditions Can You Still Get Life Insurance

Many people come to us with pre-existing conditions.

Today most life insurance companies are flexible about pre-existing conditions and we have been successful in finding alternative solutions for our clients.

Why don’t you give us a try we would like to help you.

What Is The Best Low Cost Life Insurance

Our research and experience allows us to compare life insurance quotes given your requirements and circumstances which provides insurance comparisons quotations for you to consider.

We provide comparison life insurance quotations so that you can decide which is the most suitable for you.

How To Apply For Life Insurance

So you can buy life insurance on your own or you can let us help you by undertaking all of the work for you and using our experience to find the best life insurance for you.

We will carry out all of the life insurance comparisons for you given your requirements and circumstances before you buy life insurance.

This will allow you to compare the life insurance options before you buy life insurance to ensure you get the best life insurances in Hong Kong at the right price for you.

Quotes For Life Insurance

You can get Quotes for Life Insurance and Purchase Life Insurance through us by following this link Life Quotes.

Why don’t you let us take all of the work out of comparing the life insurance market and completing the life insurance application form so that you can find the best life insurance for you at an affordable price.

We look forward to helping you soon.

Compare Find And Buy The Best Low Cost Affordable Life Insurance And Critical Illness Insurance Plans In Hong Kong

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Hong Kong Life Insurance
Compare Find And Buy The Best Low Cost Affordable Price Life Insurance Comparison In Hong Kong because we will not be beaten on price

Hong Kong Leading Life Insurance Broker Agent

We are recognized and have gained the reputation of being Hong Kong leading Life Insurance Broker Agent.

Why? We GUARANTEE that we will not be beaten on price, this ensures that you get the most Life Insurance and / or Critical Illness Insurance cover for your money, and therefore the most protection for yourself and your family.

This together with our market leading levels of Customer Service has for many people in Hong Kong made us the first choice Life Insurance Broker Agency in Hong Kong.

Furthermore for your protection and peace of mind we only use the Top Life Companies that not only offer the Best Insurance Cover but have some of the highest credit ratings in the world.

To Compare Health Insurance In Hong Kong were we provide Health Insurance Comparisons form the leading Hong Kong and International Health Insurance providers of Global Health Insurance.

So please get in touch and experience the difference we can make to your life plans.

Life Insurance Is Our Work – Its what we do

Helping you to secure your ongoing financial future, for you, your family, and your dependents.

Why Chose Us For Your Life InsuranceCritical Illness Insurance and Health Insurance;

  1. We Offer Independent Advice, Service, and Products
  2. We Provide FREE No Obligation Quotations – so your can judge for yourself

Why don’t you get in touch so you can experience the difference that we provide for our clients;

  1. A Dedicated Account Manager
  2. Unrivaled Service Levels
  3. We Put Our Clients FIRST In Everything We Do – Every time with no exceptions

Come along and experience the difference.

Life Insurance Has Many Uses and Benefits

The video’s provide a good overview of the many uses and benefits of Life Insurance.

Although they are directed at the Philippines we can assure you that the same problems, issues and solutions, are present and available all over the world – no matter who you are, what you do for a living or where you live.

Life Insurance Quotes

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What Do People Think About Life Insurance

Why Do I Need Life Insurance

How Can Life Insurance Help Me Achieve My Dreams

Compare Find And Buy The Best Low Cost Affordable Life Insurance And Critical Illness Insurance Plans In Hong Kong

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Lets Take A Moment and Talk About The Most Important Person In The World – You

Isn’t it strange, that the very thing that provides the money for your home (mortgage / rent), home contents, car, entertainment, food, school and university fees for your children, utility bills, holidays, your yacht, and an ongoing income (financial security) for you and your family is probably not insured, we are of course talking about…YOU.

Your two most valuable assets are your Health and your Wealth; which you have accumulated over many years of hard work. You have spent your lifetime putting your assets together (your property, investments and cash etc). Unfortunately your assets can be taken from you at a moments notice, with severe and quite often catastrophic consequences for you and your family.

We would like to help you keep together what you have spent a lifetime putting together

“You see, we believe we can render you and your family a great service, as we have done for many people over the last 20 years or so. And in so doing, we have made it a practice of telling our stories, ideas, and concepts to as many people as possible “Who care to listen”.

As they may be of value to you in your future; do you have a few monuments, without cost or obligation, after all it’s your life’s work we are talking about”

“Doing something costs something. Doing nothing costs something. And quite often, doing nothing at all…costs a lot more”

… a foolish man, which built his house upon the sand;

And the rain descended, and the floods came,

and the winds blew, and beat upon that house;

and it fell; and great was the fall of it.

MATTHEW vii: 26, 27.

THE FIRST DUTY OF EVERY PERSON

For the majority of people, “Life and Critical Illness (Heart Attack, Stroke, and Cancer) insurance” should be the first type of investment security to be purchased.

Particularly where a dependent family is at stake, it is the height of folly to urge investment in other directions, and it is quite beside the point to offer laborious explanations of the relative merits of various classes and types of other investments.

The first duty of every person is to protect themselves and their household against want in case of premature death and the contraction of a critical illness, and this can be done only through the purchase of an adequate amount of Life and Critical Illness insurance. In addition, as is well known, Life and Critical Illness insurance offers a convenient and safe method of accumulating wealth at a very fair rate of return.

But the greatest purpose of Life and Critical Illness insurance is to protect. It takes time to save, and where dependents must be protected, Life and Critical Illness insurance alone guarantees the accumulation of a competency against the contingency of the saving period being cut short by an untimely death or sickness, by providing money for immediate and future delivery for people and their families when they need it most; on death, and the contraction of a critical illness, heart attacks, strokes, cancer, while at all times protecting their current and future wealth.

The majority of people live and should only be concerned with the Life and Critical Illness (Heart Attack, Stroke, Cancer) insurance stage and are removed by thousands of dollars from the point where they can judiciously become direct investors along other lines.

Life Insurance Quotations Hong Kong

“Nobodies lifetimes work, should be eroded on their death
or the contraction of a Critical Illness”
The 4 Most Important Questions You Can Ask Yourself
  1. If you died today, right now, is everything taken care of; what problems are you leaving for your family? What will THEY do…when the money stops?
  2. If you suffered a heart attack, or contracted cancer and could not work; What problems would that cause YOU? What will YOU do…when the money stops? More importantly if you suffered a heart attack, or contracted cancer during your retirement, do you want to spend your money that you have put aside for income generation or would you like to spend other people’s money – insurance money?
  3. If your savings habit over the last 10 years continues to you are 65, will you be happy with the result; will it provide for the retirement that you are looking for; after 40 years of work will you be pleased with your life’s work towards a comfortable retirement? No – Where will this money come from?
  4. If you cannot pay the university fees for your children now, how are you going to pay them when they become payable? Where will this money come from?

How you answer these four questions; will clearly indicate to you, the merits of us getting together.

Would money, a cash lump sum, help in these circumstances – “Of Course” it would. Well why don’t you protect yourself and your family (and your wealth, by insuring your money) with Life Insurance and Critical Illness (Heart Attack, Stroke, Cancer) insurance, and secure your and your family’s financial security.

You see there is a 50% probability that you will get a critical illness – for example have a heart attack or contract cancer – during your lifetime; and on average this will occur before your 47 birthday. Now the question is, what effect will this have on you and your family; what will you and your family do…when the money stops?

So Lets Talk About You plc.

Are YOU PROTECTED, after all you insure your home and contents, your car, and in some cases your yacht; but what about the very thing that pays for everything…YOU?

Isn’t it strange, that the very thing that provides the money for your home (mortgage / rent), home contents, car, entertainment, food, school and university fees for your children, utility bills, holidays, your yacht, and an ongoing income (financial security) for you and your family is probably not insured, we are of course talking about…YOU. Its amazing how we demand full replacement cost protection (new for old) on our homes and personal property….and full replacement cost protection (new for old) on our cars, motorcycles, yachts, and all of the material things; but have to think about insuring the CEO of the family for full replacement value.

Its amazing we are willing to spend 750 USD pm on car loans or car leasing (a depreciating asset) 250 USD pm on car insurance, 100 USD pm on cable TV, 75 USD pm on a mobile phone etc….but have to think about insuring the very thing that pays for everything; we are of course again talking about…YOU…together with entertainment, food, school and university fees for your children, utility bills, holidays, your yacht, and an ongoing income (financial security) for you and your family.

Don’t you think its strange, that the very thing that provides the money for “everything”; is probably not insured, again we are of course talking about…YOU.

The bottom line is that many people and many families are simply not financial prepared for the premature death of the financial (money) providers for themselves and their family.

Together with the cancelation of employment and the income it provides; should you the income (money) provider contract a critical illness for example cancer.

Have you thought about, and pictured what would happen to you, and your family… when the money stops?

The most valuable asset is one that provides the most amount of money when it is needed most…only life and critical illness insurance can do this; by providing money for immediate or future use…when it is needed most. Now you insure your home and contents don’t you….And you insure your car don’t you….Why not insure the very thing that pays for everything…YOU.

Why We Go To Work

Most people go to work for one reason only; to earn money so that they can provide for their and their family’s financial security, by providing MONEY.

Many would agree that this is true; so the extrapolation of the truth is; what will happen to you and your family’s financial security… when the money stops?

What are you going to do when the money STOPS?…You see because you have always earned money you think that you will always have money…this is incorrect…one day you will not be able to earn money…disability, illness, unemployment, old age, death…the question is …..”How much of today’s money do you want to put aside – while you are able to work – for your tomorrows…your family’s future financial security

Picture the money stopping what does it look like for you and your family?
We hear this all the time from people we try to help,

I Don’t Need Life Insurance

We simple answer,

Perhaps You Don’t

But Your Widow and Children Do

Perhaps the following will help

When Martin died I lost so much – lover, confident, companion, counselor – he was a thousand things to me. And at the same time, THE MONEY STOPPED.

That last spending spree was over. It was time to pay the piper. But I had no money. And it was the one thing that could have taken Martin’s place to some extent.

Money cannot compensate two children for the loss of a father. Money cannot reach out in the middle of the night and caress you. Money cannot come home at night with a brief case, a twinkle and a hug. But money can give you ease. And peace of mind.

And I had no peace of mind. Martin had left no money.

He didn’t even have Life Insurance*. In a quirky arrogance, Martin had disdained the 10,000 USD insurance policy. “Its just peanuts” he scoffed.

He was so wrong. It wasn’t peanuts. It was peanut butter – and milk and hamburger and juice and shoes. It was the orthodontist and the pediatrician. It was summer camp. It was LOVE.

“I could die happy” Martin told me once, “if only I knew that you and the children were provided for”. But we weren’t. Despite the 14 months of dying (where they had to spend their life savings), he left our affairs in a terrible mess (THE MONEY STOPPED; they had spent their life savings because they had no life and critical illness insurance)*.

Strange for a man who was scrupulously orderly. But he had never found the strength to straighten out our finances, to discuss how the children and I would manage on our soon to be rigorously reduced income. The strength to act, to initiate, to plan had left him.

Source: Widow by Lynn Caine 1974 (note the book was written in 1974 and is a true story; sadly there are many “Widows and Orphans” just like Lynn and her two children. One in every 6 women in North America over the age of 20 is a Widow)

* “Why did they spend their own money…when could have spent insurance company money?”

So how much are your tomorrows worth to yourself and your family?

Now you can “Secure and Insure” yourself and your family TODAY; so that you and your family can carry on in the event of your premature death or the contraction of a Critical Illness.

Remember “When you stop everything stops, because the money stops” and without insurance, all of your previous successes, achievements, and wealth are wiped out – all that hard work by you throughout your lifetime is taken from you – your “life’s work” is taken from you.

It isn’t that most people do anything wrong, its that they do nothing….and if you do nothing you can only expect to get nothing. Now “Some people” aspire to more than nothing! How about YOU…what do you want for yourself and your family?

Now it doesn’t have to be that way – you can choose to do the right thing and making sure everything is taken care of, for you and your family; by arranging adequate life and critical illness insurance on your life (the money and income provider) who pays and provides for everything…again we are talking about…YOU.

Still not convinced then please take a look at “THE FACTS”

Why you need protection

  • We are living longer but not necessarily always enjoying good health
  • Life expectancy for Hong Kong people is 80 for males and 86 for females1
  • Medical advances mean you are more likely to survive a serious illness
  • Each year nearly 20 million people survive heart attacks and strokes; many requiring continuing, and costly, medical care2
  • 10 million people survive strokes each year. Of these stroke victims 40% experience moderate to severe impairments requiring special care3

Source:

  1. Hong Kong Population Projections 2010-2039
  2. World Health Organisation – who.int 2008
  3. World Health Organisation – who.int and The University Hospital – www.universityhospital.com  both 2008

 More Hong Kong people suffer from Cancer

“Based on Hong Kong Census & Statistics Department figures, cancer was the leading cause of death which accounted for about 30% in 2011. There is also an increasing trend for Hong Kong people suffering from cancer as well and according to Hong Kong Cancer Registry, 1 in 4 men and 1 in 5 women in Hong Kong will contract cancer”1

Source: 1 “Leading causes of death by sex and age, 2011” in Hong Kong Annual Digest of Statistics (2012 Edition) by Census and Statistics Department, Hong Kong Special Administrative Region.

Reasons to Plan

Every year more than 30 million people in the world survive cancer, heart attack or stroke1

  • People are 5 times more likely to suffer a critical illness, than to die before retirement2
  • Heart disease is the most common cause of death in the UK3
  • Every year around 150,000 people in the UK have a stroke1
  • During a lifetime there is a 1 in 51 chance of suffering from heart disease
  • The chance of prematurely dying between the ages of 25 and 64 is:

– 1 in 6 for males

– 1 in 9 for females4

UK Cancer Statistics
  • The average person has a 1 in 31 chance of suffering from cancer in their lifetime
  • Every year, there are 298,000 newly diagnosed cases of cancer
  • 6 months is the average time people take off work to recover from chemotherapy and radiotherapy, after a diagnosis of cancer6
  • There is a 1 in 3 chance of suffering from cancer
  • 1 in 4 cancer cases are diagnosed under the age of 60
  • Of all cancers cases that are diagnosed:

– 1 in 10 per year are adults between the ages of 25 and 49

– 45% are women, with breast cancer between the ages of 25 and 49.

  • 54% of people have no life insurance7
  • Only 13.7% of people have critical illness insurance7
  • 4 in 5 cancer patients suffer a loss of income and/or higher costs as a result of their diagnosis8

 Source:

1 WHO 2010

2 healthcare-solutions.co.uk

3 www.bupa.co.uk

4 American survey 2007

5 Cancer research UK 2011

6. www.criticalillness.co.uk

7. Barclays Survey 2010 (UK)

8. www.macmillan.org.uk October 2014

The Facts

Almost everybody knows someone who has suffered a heart attack, heart bypass, cancer, or a stroke, and survived; with improvements in modern medicine leading to higher recovery rates. Critical Illness insurance can pay out a TAX FREE lump sum of money if you are diagnosed as having contracted a critical illness.

Critical Illness “The Facts”
  • You are 5 times more likely to suffer from a critical illness than to die before your retirement.
  • 1 in 4 men and 1 in 5 women will contract one of the illnesses covered by a standard critical illness policy before they reach 70 years of age.
  • 95% of strokes occur in people aged 45 and older. From age 55 the rate of strokes doubles every 10 years.
Hong Kong
Critical Illness Insurance Quotations
Health Care Insurance
Critical Illness Insurance In Hong Kong
  • Cancer accounts for 75.5% of critical illness claims, with the average age being 43.7 years old.
  • 6% of all claims are for strokes, with an average age of 47.5.
  • 8% of claims are due to heat attacks, with an average age of 48.8.
  • Cancer is currently the No. 1 killer disease in Hong Kong, while cardiovascular disease (i.e. heart disease) and cerebrovascular disease (i.e. stroke) are No. 2 and No. 4 respectively1
Source: 1 “Leading causes of death by sex and age, 2011” in Hong Kong Annual Digest of Statistics (2012 Edition) by Census and Statistics Department, Hong Kong Special Administrative Region.

Critical Illness Claims By Gender - Males

Critical Illness Male Claims History
Critical Illness%
Cancer55
Heart Attack20
Stroke7
Other18

Critical Illness Claims By Gender - Females

Critical Illness Females Claims History
Critical Illness%
Cancer80
Multiple Sclerosis5
Stroke4
Other11

Critical Illness Insurance Hong Kong

“Why spend your own money…when you can spend insurance company money”

The 4 Most Important Questions You Can Ask Yourself

  1. If you died today, right now, is everything taken care of; what problems are you leaving for your family? What will THEY do…when the money stops?
  2. If you suffered a heart attack, or contracted cancer and could not work; What problems would that cause YOU? What will YOU do…when the money stops? More importantly if you suffered a heart attack, or contracted cancer during your retirement, do you want to spend your money that you have put aside for income generation or would you like to spend other people’s money – insurance money?
  3. If your savings habit over the last 10 years continues to you are 65, will you be happy with the result; will it provide for the retirement that you are looking for; after 40 years of work are you pleased with your life’s work towards a comfortable retirement? No – Where will this money come from?
  4. If you cannot pay the university fees for your children now, how are you going to pay them when they become payable? Where will this money come from?

How you answer these four questions; will clearly indicate to you, the merits of us getting together.

Remember that there is a 50% probability that you will get a critical illness – for example have a heart attack or contract cancer – during your lifetime; and on average this will occur before your 47 birthday.

Now the question is, what effects will this have on you and your family; what will you and your family do… when the money stops?

If you contracted a critical illness and was diagnosed with a few years to live – how would you want to live the last years of your life; working to survive, spending your life savings leaving nothing behind for your family. And how would everything be taken care of for your family on your premature death… WHEN THE MONEY STOPS?

Well instead of spending your assets that you have spent your lifetime putting together (your property, investments, cash etc); “You can spend insurance company money” instead.

Critical Illness Insurance

“Because Saving your life, Shouldn’t cost your life savings”

This will leave your assets in place and untouched for the reasons they were established; for example the provision of a family home, school and university fee planning, and your retirement fund, and most importantly it will provide an ongoing income for your family. In short the reason why we all go to work; is to earn money so that we can provide financial security for ourselves and our family.

The alternative is to sell the family home, spend the children’s education fund, and spend your retirement fund – leaving nothing for your family. Most importantly no ongoing income to replace yours – remember you pay and provide for everything.

Life Insurance Comparison

Surely you do not what your life story, your life’s work to end like that

The answer is simple: insure the very thing that provides for everything; the money for your home (mortgage / rent), home contents, car, entertainment, food, school and university fees for your children, utility bills, holidays, your yacht and an ongoing income (financial security) for you and your family…again we are of course talking about insuring…YOU.

Client Notes: Life Is Serious

We will ALL either “Live too long or die too soon”; so

So Lets Get Serious and Put YOUR Family First

 “The provision of financial security for you and your family”

Complete Section A: If you died today – how much are your tomorrows worth to your family?

  • How many “months” can YOUR FAMILY continue financially, how much money “cash” have you left them? What will YOUR FAMILY do…when the money stops?
  • What is the minimum income pa your wife and family requires to carry on? Where will this money come from?

Additional

  • School Fees – Where will this money come from?
  • Debts, loans, mortgages – Where will this money come from?

Complete Section B: If you could not work again due to ill health (cancer / heart attack) – how much are your tomorrows worth to you and your family?

  • How many “months” can YOU continue financially, how much money “cash” do you have? What will YOU do…when the money stops?
  • What is your income shortfall pa to carry on? Where will this money come from?

The most valuable asset is one that provides the most amount of money when it is needed most…only life and critical illness insurance can do this; by providing money for immediate or future use…when it is needed most. It guarantees the right amount of money will be paid to the right person at the right time. No other investment can do this – NONE. Now you insure your home and contents don’t you….And you insure your car don’t you….Why not insure the very thing that pays for everything…YOU

Complete Section B: When you retire

  1. What is the minimum income pa you require? Where will this money come from?

Question: If your saving habit over the last 10 years continues to age 65, will you be happy with the results; will it provide the retirement that you are looking for? After 40 years of earning money, are you pleased with your life’s work towards a comfortable retirement?

Where do you want to be when you retire…how much do you need for yourself and your family…well did you know that you can insure and secure that amount today.

Your Answers:

                                                                                                             £ / $ / HKD                                     £ / $ / HKD

Section A: If I Died Today

Minimum income pa family requires?

(For example 10 times current pa income)

Plus

School Fees / University 150,000 USD per child

Debts, loans, mortgages

Less

Employee Life Insurance

(Typically a small amount, say 2 years salary*)

Current Personal Life Insurance Sum Assured

Cash in Bank Account

Do not include other liquid assets as your family

will need those assets for retirement expenses.

And lets not talk about selling the family home;

where would your wife and children live?

Total Cash Required / Shortfall

(Where will this money come from?)

Section B: If I Contracted Cancer Today

30%-50% probability in my lifetime

Total Cash Required / Shortfall – similar to above?

But again do not include liquid assets as you and your family

will need those assets for your retirement expenses.

*Also increase amount by the employee life insurance,

as you have not died; but you no longer work.

You have lost your income money, but your

expenses continue. (Where will this money come from?)

Section C: My Retirement – (Where will this money come from?)

Average Life expectance age 85

What is the minimum income pa I require?

Total Cash Required / Shortfall

If your saving habit over the last 10 years continues to age 65, will you be happy with the results; will it provide the retirement that you are looking for? After 40 years of earning money, are you pleased with your life’s work towards a comfortable retirement?

Where do you want to be when you retire…how much do you need for you and your family…well you can insure and secure that amount today.

How you answer these questions will clearly indicate to you, the merits of us getting together.

As I would like to help you keep together, what you have spent a lifetime putting together

We have over 20 years of experience, we have developed some interesting stories, ideas, and concepts that may be of value to you in your future, and we would like to share these with you without cost or obligation.

People tell us that we have rendered a great service to them; so we make it a practice of telling our story to as many people as possible…“Who care to listen”.

Now I don’t know if our services will be of any benefit to you; because if you don’t find yourself in a better position financially, having talked with us…then we are of no value to you.

However I guarantee that you will have a better knowledge of how to make the most of your most valuable asset…. YOU!
Helping you keep together what you have spent a lifetime putting together

Compare Find And Buy The Best Low Cost Affordable Life Insurance And Critical Illness Insurance Plans In Hong Kong

Discover The Difference

 

Why Life Insurance and Critical Illness Insurance

How Much Life Insurance In Hong Kong

Half Of UK People Will Get Cancer

By James Gallagher Health editor, BBC News website 4th February 2015

One in two people in the UK will be diagnosed with cancer at some point in their lives, analysis suggests.

Cancer Research UK said this estimate, using a new calculation method, replaced a forecast of more than one in three people developing the disease.

It said longer life expediencies meant more people would be affected.

But it was not inevitable and improving lifestyle, such as losing weight and quitting smoking, could have a major impact, the charity added.

The good news is cancer survival figures are also rising.

The seemingly sudden jump in diagnosis estimates is down to researchers developing a more sophisticated and accurate method for analysing the risk of cancer.

However, both the new and old methods show the same long-term trend – a rise in the lifetime risk of developing cancer.

Nearly 54% of men will develop cancer, compared with just under 48% of women, the figures indicate.

Food Pipe Tumours

Fewer deaths from heart disease and infections mean more people are living long enough to develop cancer.

But lead researcher Professor Peter Sasieni, from Queen Mary University of London, said: “It isn’t inevitable.

“There is quite a lot we can do to prevent cancer and hopefully in many years’ time I’ll have been proven completely wrong.”

He is referring to lifestyle factors including obesity, red meat consumption and smoking that increase the odds of a tumour developing.

Lung cancer cases are still increasing in women.

Breast cancer is likely to remain the most common cancer among women

He told the BBC that a healthy lifestyle could lower the lifetime risk from 50% to 30%.

Breast and prostate cancers are likely to remain the most common cancers in women and men respectively.

However, some cancers are rapidly becoming more common.

Tumours in the food pipe, caused by acid reflux in obesity, are being seen more often in clinics.

Head and neck cancers caused by the human papillomavirus are increasing and oral sex is thought to be behind the rise.

‘Milestone’

Dr Harpal Kumar, the chief executive of Cancer Research UK, said: “We have reached what many would regard as an important milestone.

“We need to plan ahead to make sure the NHS is fit to cope, if the NHS doesn’t act and invest now, we will face a crisis in the future – with outcomes from cancer going backwards.”

Dr Emma King, a head and neck surgeon at Poole Hospital, in Dorset, said rising cancer cases would have a “huge impact on clinical services offered by the NHS”.

Critical Illness Lung Cancer Insurance Hong Kong

The NHS needs to act to avoid a future cancer crisis, experts say

She said there needed to be more focus on prevention and strategies to ensure cancers were caught early.

It is far easier to treat an early stage cancer so a patient is more likely to live and it saves the NHS money.

Sean Duffy, the national clinical director for cancer at NHS England, said: “Cancer survival rates in England are at an all-time high, but this new forecast shows it is more important than ever to take a fresh look at how we can do even better.”

He said there needed to be action on three fronts – better prevention; swifter diagnosis; and better treatment, care and aftercare for all patients.

Remember then, that there is a 50% probability that you will get a critical illness – for example have a heart attack or contract cancer – during your lifetime; and on average this will occur before your 47 birthday.

Now the question is, what effect will this have on you and your family; what will you and your family do… when the money stops?

If you contracted a critical illness and was diagnosed with a few years to live – how would you want to live the last years of your life; working to survive, spending your life savings leaving nothing behind for your family. And how would everything be taken care of for your family on your premature death…WHEN THE MONEY STOPS?

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Strokes Rising Among People Of Working Age

By Smitha Mundasad, BBC News website 12th May 2015

There has been a worrying rise in the number of working-age men and women having strokes, a charity has warned.

In England in 2014 there were 6,221 hospital admissions for men aged 40-54 – a rise of 1,961 on 14 years earlier, a Stroke Association study shows.

Experts said unhealthy lifestyles were partly to blame for the rise, though the growing population and changes to hospital practice also played a part.

Overall the rate of strokes is going down in the UK, however.

Researchers say based on their findings strokes should not be considered as a disease of the old.

Critical Illness Heart Disease Stroke Insurance Hong Kong
Huge Costs

Strokes are caused by blood clots or bleeds to the brain and can lead to long-lasting disability.

The majority occur in people aged over 65, and though rates are decreasing in this group, this report suggests growing numbers of younger people are at risk.

Experts analysed national hospital admission data spanning 2000 to 2014.

These findings highlight the importance of ensuring your blood pressure and cholesterol are under control, as well as having a health check at the age of 40 Dr Mike Knapton, British Heart Foundation

Trends for people in their 40s and early 50s appeared to be getting worse.

In women aged 40-54, there were an extra 1,075 strokes recorded in 2014, compared with 2000.

These findings highlight the importance of ensuring your blood pressure and cholesterol are under control, as well as having a health check at the age of 40 Dr Mike Knapton, British Heart Foundation. Experts said growing obesity levels, sedentary lives and unhealthy diets – which raise the risks of dangerous blood clots – all played a part.

And they argued strokes among this age group had long-lasting personal and financial impacts on individuals and their families, as well as on the economy.

Recovering patients can find it difficult to return to work and should have more support from employers, the report suggests.

Jon Barrick, of the Stroke Association, said: “These figures show stroke can no longer be seen as a disease of older people.

“There is an alarming increase in the numbers of people having a stroke in working age.

“This comes at a huge cost, not only to the individual, but also to their families and to health and social care services.”

Alastair Morely was 34 years old when he had a stroke on New Year’s Day four years ago.

Talking to the BBC, he said: “I had an excruciating headache, was being sick, couldn’t walk or talk very well.”

It was later found that Mr Morely had a heart condition which had triggered the stroke and after his rehabilitation the solicitor had a phased return to work.

“It was tough but I was lucky that I was young and my brain remapped around the damaged area,” Mr Morely added.

Pete Rumbold, from Bromsgrove in Worcestershire, was 49 when he had a stroke in November2011: “It left me paralysed down the left side, unable to speak, swallow or see.”

He warned that there were no outward signs he was at risk: “I was very fit, in the gym six days a week and I eat healthily, but I had high blood pressure and didn’t know about it.”

“I hadn’t been to the doctor for seven or eight years so my blood pressure wasn’t checked for a long time.”

The Stroke Association said that even younger people should be aware of the warning signs such as dizziness, difficulties with speech and changes in the face.

‘Complex Picture’

Dr Mike Knapton, at the British Heart Foundation charity, said the increase in stroke rates among younger men and women was worrying and needed to be taken seriously.

“These findings also highlight the importance of ensuring your blood pressure and cholesterol are under control, as well as having a health check at the age of 40,” he said.

He added: “Although there is an increase in sedentary activity and obesity levels now, it is only part of this complex picture.”

Things to consider:

  • We are getting better at spotting the signs of stroke. And there are now new drugs that can be used to treat people rapidly.
  • The population is rising and this accounts for some of the increasing numbers of strokes.
  • This study provides a snapshot of how stroke rates are changing but no study could account for all the factors that could be responsible.

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Critical Illness Statistics

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“Cancer has emerged as a major health problem in Hong Kong. Altogether 24,342 new cancer cases and 12,316 deaths were registered in 2007. The corresponding numbers in 1998 were 20,091 and 10,691. This represented an increase of 21% in new case and 15% in death in 10 years”.

Source: Hong Kong Cancer Registry www3.ha.org.hk/cancereg 2014.

Research: Hong Kong Hospital Authority www.ha.org.hk 2014

Critical Illness and Premature Death

These statistics highlight just how common Critical Illness and Premature Death is. Without Life insurance and Critical Illness Insurance cover a prolonged Critical Illness recovery time or Premature Death can have a significant impact on peoples finances and lifestyles.

Critical Illness and Premature Death In Britain
Stroke
*One is six people around the world will have a stoke in their lifetime.
*Every five minuets someone in the UK has a stroke.
*One in 5 strokes are fatal.
*25% of strokes occur in people under the age of 25.
*In 2010, strokes was the fourth largest cause of death in the UK after cancer, heart disease and respiratory disease.
Of those that survive a stroke:
*42% will be independent.
*22% will have mild disability.
*14% will have moderate disability.
*10% will have severs disability.
*12% will have very server disability
Heart Disease
*One in every six males and one in ever ten females died from coronary heart disease.
*Every three minutes someone in the UK has a heart attack.
Cancer
*More than one in three people in the UK will be diagnosed with some form of cancer in their lifetime.
*One in 35 men and one in twenty women will be diagnosed with cancer before the age of 50.
Source:
http://www.stroke.org.uk
http://www.bhf.org.uk
http://www.cancerresearchuk.org
Critical Illness and Premature Death In America
Cancer
*One in two men have a lifetime risk of developing cancer.
*One in three women have a lifetime risk of developing cancer.
*One in 29 men have a risk of developing cancer before the age of 50.
*One in 19 women have a risk of developing cancer before the age of 50.
*68% of people diagnosed with cancer are still alive 5 years following the diagnosis.
Cardiovascular Disease
*Over 2.250 Americans die of cardiovascular disease every day; an average death every 40 seconds.
*Some 155,000 Americans who died of cardiovascular disease in 2010 were under the age of 65.
*An estimated 635,000 Americans have a new heart attack ever year.
*Approximately every 34 seconds one American has a coronary event and about every minute and 24 seconds an American will die of one.
*On average every 40 seconds someone in the USA has a stroke and someone dies of one every 4 four minuets
Source:
http://www.cancer.org
http://www.ahajournals.org/
Critical Illness and Premature Death In Australia
Cancer
*One in two men and one in three women will be diagnosed with cancer by the age of 85.
*Over 60% of people diagnosed with cancer are still alive five years after the diagnosis.
Cardiovascular Disease
*Cardiovascular disease is the leading cause of death in Australia, with one Australian dying every 12 minutes.
*Each year 55,000 Australians suffer a heart attack, one every 10 minuets.
*One in six Australians are effected by cardiovascular disease.
Source:
http://www.cancer.org.au
http://www.heartfoundation.org.au
Critical Illness and Premature Death Worldwide
Cancer
*There are an estimated 3.45 m new cases of cancer and 1.75 m deaths from cancer in Europr in 2012.
*In 2012 an estimated 14.1 m new cases of cancer occurred worldwide.
*An estimated 8.2 m died from cancer worldwide in 2012.
Cardiovascular Disease
*Each year cardiovascular disease causes over 4 m deaths in Europe.
*Overall cardiovascular disease is estimated to cost the EU economy some 186 B EUR per year.
*An estimated 17.5 m people died of cardiovascular disease in 2012.
Source:
http://www.ejcancer.com
http://www.cancerresearchuk.org
http://www.ehnheart.org
http://who.int

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Life Insurance and Critical Illness Insurance

Why Life Insurance and Critical Illness Insurance – Perhaps the following will help

When Martin died I lost so much – lover, confident, companion, counselor – he was a thousand things to me. And at the same time, THE MONEY STOPPED.

That last spending spree was over. It was time to pay the piper. But I had no money. And it was the one thing that could have taken Martin’s place to some extent.

Money cannot compensate two children for the loss of a father. Money cannot reach out in the middle of the night and caress you. Money cannot come home at night with a brief case, a twinkle and a hug. But money can give you ease. And peace of mind.

And I had no peace of mind. Martin had left no money.

Life Insurance and Critical Illness Insurance He didn’t even have Life Insurance. In a quirky arrogance, Martin had disdained the 10,000 USD insurance policy. “Its just peanuts” he scoffed.

He was so wrong. It wasn’t peanuts. It was peanut butter – and milk and hamburger and juice and shoes. It was the orthodontist and the pediatrician. It was summer camp. It was LOVE.

“I could die happy” Martin told me once, “if only I knew that you and the children were provided for”. But we weren’t. Despite the 14 months of dying (where they had to spend their life savings), he left our affairs in a terrible mess (THE MONEY STOPPED; they had spent their life savings because they had no life and critical illness insurance)*.

Strange for a man who was scrupulously orderly. But he had never found the strength to straighten out our finances, to discuss how the children and I would manage on our soon to be rigorously reduced income. The strength to act, to initiate, to plan had left him.

Source: Widow by Lynn Caine 1974 (note the book was written in 1974 and is a true story; sadly there are many “Widows and Orphans” just like Lynn and her two children. One in every 6 women in North America over the age of 20 is a Widow)

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Please note: We do not charge you for the services that we provide.

* Applies to NEW and Existing Insurance Policies. On like for like Financial Services and Products. Applies to Hong Kong residents only.

 

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