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Buying two insurance policies

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After having a kid, I thought it was due time for me to update my insurance protection. I summed up all my policies and realised that I have a huge shortfall for death, tpd, as well as critical illness. As it is now, I applied for the Mindef Aviva plan to cover this shortfall and am still waiting for them to get back to me. This should add another $700 to $800 per year to cover me until age 65, which I gauge it to be adequate. I’ll do a separate post on it when the insurance plan is confirmed. Might be months later, since I likely have to do a health check and all the other documentation.

So that’s the easy part. Just spend the money, pay the premiums and lo and behold, you’re covered for xxx thousands here and there.

The harder part is this other ‘insurance policy’ I just started – exercising. I haven’t been actively exercising since the birth of my child two years ago. I want to take care of my grandchild many years later, hence it’s important for me to maintain good health. I know what motivates me, and that’s having a to-do list unfulfilled and waiting for me to do them. Hence, I went straight to get a Fitbit charge 3, which is a fitness tracker that comes accompanied with a great app for use in my mobile phone/desktop. With the app, it allows me to track all sorts of things, like how much water you drink, how much calories you take, how much exercise you do per week and how many hours you sleep. Fantastic. My tracker will vibrate every hour reminding me to move my ass if I didn’t hit 250 steps. Yup, every hour it will remind my sorry ass to move, until 6pm.

I started jogging today too after having a break of more than 3 years. Imagine the pain burning through my legs now. I always thought that the IPPT, which is the required annual physical fitness test for all combat fit guys here in Singapore (at least until 40 or when you are in the Mindef reserve), is damaging to my health. I want to run and do all the exercise item, but not to the extent that I had to ‘kill’ myself to pass. I’m glad all these official tests are over for me so that I can focus on the fitness that I really want. Fitness to me is just this: able to run after my active son without feeling tired and able to live long healthily.

Maybe I will join a gym or something, but we’ll see. For now, I want to be sufficiently cardiovascular fit but I think about the gym. Hey, taking care of your health is the best investment you can do for yourself!

Looks like a great start to the year 2019, in terms of coverage lol

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