ESG Virtual Wellness Series - Question and Answer

Fadyl (ESG Moderator): Is a weaker erection a symptom of erectile dysfunction?

Dr. Benjamin Chua: A weaker erections symptom of erectile dysfunction and Dr. Lim also will contribute to this, but weaker erections depending on how you define. Is it a sensation of not getting erect enough or is it the length of time, but generally if a man finds that he cannot maintain penile turgidity for a certain period of time, then we can define it as erectile dysfunction.

Dr. Lim: So the definition of an erectile dysfunction is anything to do with an unsatisfactory erection. So if you’re not happy with your erection, you can consider it as a dysfunction. So he can range from, I mean, the worst case scenario will be, you can’t even have erection, but some of them actually can have erection, but could maintain the hardness and some can maintain the hardness until penetration and before it is softened and some could not even maintain it before penetration. So there’s various degrees. By looking at all those things, the history and the background, sometimes we can have some sort of idea what is the underlying reason to the condition.

Fadyl (ESG Moderator): The next question is for Dr. Manish. If I am over 50 years old, can BPH be reversed using natural remedies?

Dr. Manish: No, not really because BPH is something which happens because of enlargement of the prostate gland. So usually it will become progressive over a period of time. They’ll grow over a period of time. So none of the natural known remedies will resolve this. Of course, there are some remedies which help it, some of the symptoms, which help, like for example, with your frequency or urgency, but by and large, it’s something which is likely to progress over a period of time.

Fadyl (ESG Moderator): Thank you Dr. Manish. the next question is for Dr. Lim. How much will my prostate shrink after this procedure? Can it get back to the normal size?

Dr. Lim: If you’re talking about embolization, Dr. Manish is a better person to explain but for the people I’ve seen before, after being done by Manish, the shrinkage can be as much as 40%. It can never be 100%. Let’s put it this way and it can never be 90%. So because you must understand that the prostate tissue contains muscles, they contain fat cells and contain blood vessels. So the main aim of embolization is to reduce the blood supply, reduce the size and amount of the fat cells and muscle cells, but it will never disappear. So roughly between 40%, some of them may get very good results, like 45%, but some can be not so great, maybe about 30%, but sometimes that’s all that you need to relieve your symptoms and to reduce the progression of the condition. Just to add on to what Dr. Manish has said just now regarding the last question is that yes. I agree that the BPH is a progressive condition. Unfortunately, it’s something that comes with age. What natural therapy could do is to reduce or slow down the process but it cannot make it disappear. Okay. So you can slow the process, but you cannot make it disappear. 

Dr. Manish: So for the prostate artery embolization I would like to add a little bit about this. So what’s happening is in the past, about four, four to five years, as we started learning the procedure a bit more. BPH sets in because of specific enlargement of a particular part of the prostate. So that part is the one which is causing the symptoms as good as it goes into the bladder. So nowadays, as I showed you in the machine earlier, we have this very, very good technology where we can actually go into the prostatic artery, inject contrast, and do a spin scan at the same time. So we can actually tell which artery selectively supplies the area of the prostate, which is actually causing the symptoms. So you can go into the median lobe. So nowadays technology is so good that you can go into the median lobe of the prostate, which is causing the symptoms and embolize it selectively.

So your overall size may not decrease too much because last time in that in the early 2000s, and you know, when we started doing it, we were more fixated on the volume of reduction. What we’re trying to do is now alleviation of symptoms and also volume reduction in the part, which is causing the symptoms. So the old volume may not reduce in size, but we go into the median lobe, very, very, super selectively and block only that part. So your rest of the prostate does not get affected. So this is something which has come up in the past two to three years with the modern improvement in technology and the machines that we have, and the better catheters we have. So we are not looking at the overall size nowadays in the past one to two years, we are looking at that particular area, which is causing the symptoms. So we can have a significant reduction of that particular area. So it may only be at 20%, 30% reduction or what our volume, the part which is causing the major symptoms, is reduced by say, 60%, for example.

Fadyl (ESG Moderator): Thank you, Dr. Manish. Next is for Dr. Ben, can ED (Erectile Dysfunction) affect men at any stage of their life?

Dr. Benjamin Chua: Traditionally, I think people think that ed affects the older folks. And the reason for that is because generally in older patients, you may have other comorbidities that can result in ed. For example, like those with diabetes, some of them smoke heavily or have atrial sclerotic heart disease, but increasingly we are seeing many younger patients less than 50. And in fact, recently we just operated on a patient who was 29 years old. And we find in these patients, the cause is a little bit more different. It’s not related to diabetes. It was  atrial sclerotic heart disease. Some may be smokers, but increasingly a lot is due to exactly what I talked about. The venous leak syndrome, which is basically like a pelvic varicose veins, essentially the blood that’s draining the veins that drain the penis drain excessively. So it’s a totally, entirely different sort of cause altogether for ed. And we see this in younger men, interestingly. So the conventional thought that only occurs in older patients is no longer true. You see them in younger men, especially nowadays, as we learn to recognize this condition.

Dr. Manish: So just in terms of imaging, I’d just like to add a quick one, because, you know, we, we’ve been looking at the imaging since 1996 and the velocity and blood supply, what we’ve begun to realize it, that we used to cause a lot of these psychogenic, but a lot of them in young males are actually people with venous leak like Dr. Lim just saw a patient and looked at the ultrasound, which we are going to try to fix. But that one patient is very well. No problem. I think 15 years back, we would have called it a psychogenic issue. But now we realize that it is actually a venous leak. So he ordered an ultrasound, which showed us a venous leak. And there we are. So we are actually potentially looking at treating the person for that rather than labeling it as a psychogenic cause.

Fadyl (ESG Moderator): Okay, next, for Dr. Manish once again, will BPH affect my sex life.

Dr. Manish: Usually not, not an issue. Of course there are different reasons for having issues like we were talking about in terms of erectile dysfunction, but purely BPH is not something which causes erectile dysfunction.

Dr. Lim: So let me add on to what Dr. Manish has said. Yes. I agree that prostate enlargement doesn’t affect your erectile function, but usually the group of people with BPH are also at risk for erectile dysfunction because it deals with age. Second thing is that I think that’s the fault of urologists that the medicine to be prescribed for BPH does affect your sex life. So we always tell them that you have either one, you have to improve your urination or give up sex. That’s why procedures such as the embolization might help to solve the problem. And what Dr. Maneesh has said that he does selective embolization targeting the central zone. The central zone is the one that is pressing against the urethra. So you target that and you spare the peripheral. The peripheral is where the nerves are, that goes to your penis. So that’s the part that we are sometimes worried that might be affected. So in a way, it might be able to preserve your sexual function at the same time as taking care of your symptoms.

Fadyl (ESG Moderator): For Dr. Lim, How fast does it take for my prostate to shrink?

Dr. Lim: It depends on what you were talking about for the procedure. You should be able to see the difference within two treatments.

Dr. Benjamin Chua: Can I ask Dr. Lim a question since we own it now, in terms of patients whom you start on a medical therapy for, for prostate hyperplasia how do you tell it is effective and what would be a sufficient to, to say we put a patient on one drug versus two drugs, or for you to dial down the drug usage?

Dr. Lim: So it depends on your initial assessment. What I look for is how bad the symptoms are. If the symptoms include incontinence, does that mean he is wetting his bed at night? Or nocturnal uriscese, which means he leaks urine at night. Those are symptoms. And then we do urine flow studies. The study flow study is a flat line that is bad, right? Cause by right, a normal flow is just a bell-shaped curve and you’ve got various slopes, but you come up with a flat line. This is bad. Then on top of that, the ultrasound shows a large prostate gland. So these are super bad. So in these people, we’ll start with combination treatment. So we give medicine to shrink the prostate gland. We give medicine to relax the muscles so they can keep better. Cause you give only either one, the improvement with one.

And some of them may not be able to feel happy, you know, in the short term. So that’s why it is. It depends if the situation is not so bad, we can start either medicine. Now the monitoring will be based on symptoms again. So whatever symptoms they come with should be alleviated, but some symptoms take a while to resolve. So what are the typical symptoms that always take a long time to resolve? It’s nocturia. So I always tell them out of all the symptoms you have. Frequent urination at night is the last resolve. So be patient. Okay. And sometimes when we add on additional medicine, just to take care of the nocturia, the frequent urination at night, then also we look at the size of the prostate on ultrasound scan. We can do the flow study, see how, how fast it’s gone. Yeah. So these are things we look at and when things are stable, especially let’s say the prostate size has shrunk down, sometimes I might consider cutting down the dose of the medicine.

*second round of Q&A after Derek Ong’s presentation*

Fadyl (ESG Host): Thank you, Derek. Now we will go back to the Q and A, we will invite the rest of the doctors back in to answer all your questions that you posted.  Derek, we’ll start with you first. The doctors mentioned a couple of procedures, are these procedures that the doctors mentioned earlier covered by insurance?

Mr. Derek Ong: Actually for this, we probably have insurance companies put out claims for certain surgeries. We actually base it upon the ministry of health, table of surgical procedures from there. And what I do understand is that there are some items that have been mentioned to date that are showing up from each table. So I will say in terms of claims, we are going to be looking at a case by case basis. It depends very much on the doctor’s diagnosis and also the subsequent procedure that is being, I would say, administered. And then from there, the team would actually see in terms of the claimability of that procedure as well.

Dr. Benjamin Chua: Sorry if may, in our practice, all three of us are insurance accredited doctors. And what we usually do for the patients is we actually try and get an approval for the patient. So we usually write in letters and with all the table quotes and a justification. And usually we have been able to get letters of guarantees from the insurance because these are all surgical. So that helps the patient a lot of times because there’s a preapproval, so they don’t have to worry or stress about payment for the procedures. 

Fadyl (ESG Host): Thank you, Dr. Ben. Okay. Next question is for Dr. Manish, am I at risk of BPH if I consume red meat and dairy products on a regular and daily basis?

Dr. Manish Taneja: It’s not really related to diet. It’s just related to hormones and the interplay of hormones as we get older. So it’s not really affected by dietary factors. So of course there are certain things which, you know, will accelerate the risk, which are interlinked, but not a direct correlation with this.

Fadyl (ESG Host): Next question is for Dr. Ben, should I try drugs first? Or should I get myself diagnosed to see if my ED is caused by vein blocks? 

Dr. Benjamin Chua: So again, the topic I talked about is actually not about vein blockage, but actually about venous leak. So the usual trials that patients go through and I’m sure Dr. Lim has something to contribute to this as well. I want to hear his opinion on this, but the idea is that a lot of the patients who have ED depends on what are the symptoms of the ed. A lot of people may have problems getting an erection. Some people may have a problem sustaining an erection, and some people may have a feeling that they’re not having had enough erection. I think commonly in, in a broad frame of ED, most people would try drugs first. And these can be usually obtained from either doctors like Dr. Lim ourselves, or even from the family practitioners. And it’s as simple as a drug, but you see the problem with the drugs is in a lot of patients who take these drugs, they also have other conditions that you have to just be careful with. A lot of patients have hypertension as well, and these drugs can interact. So to say, starting with a drug is not a bad idea because it is non-invasive, obviously it is affordable and you can get very quick results. Dr. Lim, what are your thoughts?

Dr. Lim Kok Bin: Yeah. So it depends on your thought process. So usually I say, as Ben has said before, age is a risk factor. So if a young guy came and complained about ed, especially if he was okay, and it suddenly became like that, that sort of prompts you to understand that maybe something else is going on. Of course it could always be psychological, but you have to consider other possibilities. It’s different from, let’s say a 60 year old guy with high blood pressure and cholesterol. If he tells me he has ED, I mean, straight forward it is probably because of age and his underlying medical condition. So in those cases, then you can take medicine first, if he is happy with it, just continue doing that. But if anything else, you know, a bit of the blue, young guy, or if the person has taken medicine and somehow doesn’t feel satisfied, maybe I tried medicine A and medicine B at the maximum dosage and still nothing happened. You really have to consider maybe something underlying, right? It could be a venous leak, it could be blockage that needs to be unblock. So this, when an investigation comes about. I will summarize that, you know, look at the person coming to you. Is he a bit of the blue? You might think about other specific conditions to look into deeper. If the initial medical treatment doesn’t work, then you have to lead into other things.

Fadyl (ESG Host): Adding to that, the next question is for Dr. Lim, what are the side effects of taking all these jobs on a long-term basis?

Dr. Lim Kok Bin: That’s a good question. I am always asked that. And my answer is that if there’s any side effect, you will experience it in the initial phase but long-term wise, there’s no problem at all. I always share that, you know, initially you might get some side effects but they’re all minor and somehow with repetitive use, it gets better. So typically all the side effects are associated with the head. So it helps with the erection but all the side effects are above the neck. You can get a headache, dizziness, blurred vision, you get reflux, sinus. So everything is in your upper body and 90% of the time, it’s like that, there’s only one major side effect, vision disturbances.

Sometimes this can be very severe, especially old people and a diabetic, because there is a risk in terms of affecting the optic nerve in this group of people. So when I prescribe medicine, especially to older guys, and they are diabetic, we tell them that if something’s not right with your vision, just stop. because there’s optic nerve ischemia that comes rarely but happens in some of these people and this is the most serious. And it doesn’t happen if you take it long-term, it will happen once you take it. So in terms of long-term, there’s no need to worry about side effects.

Fadyl (ESG Host): Thank you. The next question is for Derek, if the personal insurance increased with the claim, shall I claim through company insurance?

Mr. Derek Ong: So I think based on my recommendation earlier, I would say go for personal insurance first, but if we actually recall the first step of that process, it’s really about understanding what your company insurance does for you. All right. I have come across cases where my clients said, oh yeah, I’m covered. But eventually when he found out it is more like copayment, or I have to pay 80%, my company pays a 20% kind of stuff. So it all boils down to essentially the first step. What is your company insurance doing for you? If it’s something that’s really very comprehensive and it covers like a personal insurance does. On a side note, we are looking at personal insurance 

With a certain number of (inaudible). We can, if we look at covering a medical or hospitalization view up to 95%. If your company insurance is able to do that, or I will say do even better, then definitely go for a company insurance, but make sure you get all the details correct. Understand what needs to be submitted. So what procedures are also claimable under company insurance as well, before making that decision. But I would still stand by my recommendation of using personal insurance first because it gives the clients, I would say the maximum claims or benefits actually available.

Fadyl (ESG Host): All right. Thank you, Derek. Next question is for Dr. Ben. Can venous leak be reversed?

Dr. Benjamin Chua: Well, people have tried different drugs to try and deal with venous leak in the old days. Now, some people use a certain drug called the venotonic, kind of like a Daflon used for varicose veins in the hope of reducing the diameter of the veins and reducing the leak. Some people have tried different kinds of hormonal therapy to try and again, do that, but it’s not been shown to work very effectively and unfortunately it can’t be reversed. The only way we can actually treat the problem is to actually decrease the venous leak, which is what we do by embolizing it. So I get asked this question, is there any medication we can take to reverse the venous leak and unfortunately, the answer is no, it doesn’t work that way because once these have happened already, the veins are dilated. The vowels are weak. It’s a physical problem, so medication may not work on that.

Fadyl (ESG Host): Alright, thank you Dr. Ben. It is 1:30 now, the end of our Q&A session. Thank you so much speakers. Unfortunately we cannot answer all your questions but if you do still have more to ask, they will be conducting a one-on-one Q&A session so head down to their booth and reach out to the speakers and book your slot. So thank you, speakers for conducting a very insightful talk. If you’re interested to learn more about the issue mentioned, the data is also resources available to download at the bottom of this section. And thank you everyone for joining us, I hope you have learned as much as I have about men’s health. Fortunately it is not over yet, we have a list of activities laid out for you from contests and more. There are booths where you can learn more about sponsors. And you do stand a chance to win prizes when you participate in the events and look up the leader bot menu icon, to see how you can earn points to be on the top All right. So thank you.

*Derek Ong’s talk*

Fadyl (ESG Host): All right. Thank you, Dr. Lim. Okay. Thank you. Speakers. We’ll have a break with the doctors for now. Please keep on typing your questions. We will continue the Q and A once again at the end of this session. So thank you speakers. So, okay. Next up we are inviting Derek, a senior financial consultant from Altitude Alliance representing Great Eastern financial advisors. They will share the relevance of general health insurance on conditions like ED and BPH and share some insights to empower your decisions on your specific needs. So Derek, please. 

Mr. Derek Ong: All right. So just a quick disclaimer. So most of this information will be based on my personal views and not so much on our ways as a whole company. So just another quick introduction of myself, I’m a business graduate from the Singapore management University right now as a senior financial consultant in Great Eastern, I do provide financial advisory in the areas of insurance, as well as wealth management. So some personal awards I’ve acquired for myself would include the million dollar round table award as well as international dragon award. So moving into our agenda for the day, I’m looking at the three insurance hacks that I would like to share about on the first point will be about reducing our hospitalization bills’ cash outlay, and how we can actually leverage effectively on company’s insurance. I think through this webinar, we have heard about how treatments have actually, you know, gradually advanced or to a different stage.

And of course, some of them might require surgery and hospitalization stays. And essentially this hack will have actually helped in terms of how we can actually reduce, in terms of financial burden, financial stress from a cash outlay perspective. Secondly, we will be looking in terms of maximizing critical illness coverage, how we can achieve sufficient and comprehensive coverage for ourselves. So ideally most of our participants here would have had some form of critical illness coverage already. And to these hacks, I would like to share about some pointers you can actually take back and see if this coverage that you have for yourself, would it be sufficient or would it be comprehensive? Last but not least I will also be sharing about how we can actually update our coverage as life changes. Similarly, most of us would have purchased some forms of insurance, you know, along the way as well, but as life changes,

Are we actually looking back in terms of these past purchases and making some necessary changes to them as well and how essentially things such as a term insurance could actually come in and assist in terms of updating coverage. So quickly diving in. So in terms of critical illnesses and men, so this is a very personal topic for myself as a man also. So if we look at statistics, one of the leading, I would say killers, in terms of men in Singapore has always been cardio and statistics has also proven that men do stand a higher chance of actually dying from cardiac related events as well. So definitely we need to actually prepare ourselves for integral, how we can react when a situation arises as well. So moving into our first poll question, do all participants actually agree that relying on company insurance is insufficient? I, of course we have the three options there, Fadyl will also be putting out poll questions on the site and you guys can feel free to actually, you know, contribute with your answers. And we’ll actually come back to that in a short time.

So I’ll be really outright and put it out as a fact that relying on company’s insurance is just simply not enough. Why? Because we usually see companies insurance as more of the employee benefit. So therefore it’s going to be something that is very basic on terms of provision perspective. We are going to look at very low claim limits, most likely in event of if you are just relying on the company’s insurance to actually claim for you, we are most likely looking at more cash outlay on our side. Secondly, pre existing conditions are not transferable between companies per se. So even in the event of this, or you might actually face exclusions moving forward for future claims under new employment as well. Right? But last but not least, in companies, insurance benefits are only dependent as long as you are employed, or if you are employable by the next prospective employer as well. And with that being said, right, if we are looking at changing jobs or even retirement and say, we are probably looking at absolutely zero coverage during those kinds of periods as well. So this is why we actually talk about not just relying on companies, insurance for our coverage as well.

So essentially this hack is about talking about how we can actually use personal hospitalization coverage to work hand-in-hand with the various, I would say companies, insurance that is being provided. So essentially personal hospitalization coverage is to reduce the mandatory cash outlay when using the insurance itself. Things such as deductibles and coinsurance are something that when we use our personal insurance, we are actually going to be paying upfront for, but if we follow these following steps, we can actually see that the overall cash outlay, if we do these three steps will actually be quickly reduced. Firstly, this is actually the most important step. Firstly, it’s about finding out what you’re actually being covered for. I would say most of the time when I speak to some of my clients, they don’t actually quite know in detail about what they are being covered for, maybe some bits here and there.

But I would say there are just four points that you actually need to find out from your human resource department to see why you’re being covered for, ask them about things such as benefits, exclusions, limits, and waiting period. And this will give you a very good picture about your coverage at this moment as an employee. Secondly, claim through personal hospital insurance first, why do I say that? Simply because personal insurance wise, we provide higher limits. More benefits is going to be something much more comprehensive or as compared to a company’s insurance. Last one, not least last step to do is still we can use company’s insurance to actually reclaim any remaining amount that is not claimable to personal insurance. And this would ultimately reduce the cash outlay at the very end. All right.

So in terms of the poor question wise, I would say, I’m glad to say that most of you have no answer that yes. Company’s insurance is insufficient and I hope by sharing those three steps just now it actually gives you a greater, I would say a picture of greater information in terms of how we can actually go about claiming for some of our hospitalization deals down the road as well. Moving on in terms of our second insurance hack. Talking about maximizing our critical illness coverage. So basically critical illness coverage is like a life buoy for income, right? So basically what it does is it provides a lump sum payout upon diagnosis of a critical illness. Essentially this helps to keep our finances afloat, thus the life buoy image there as well, due to our inability to work for the purpose of either treatment or recovering from the illness. And it’s crucial for every working adult to actually know how to maximize our critical illness coverage in two areas, make it sufficient to make it comprehensive. And we’ll dive straight into that.

So in terms of talking about sufficient coverage, I always tell my clients about this magic number of five, five years of annual income as a good indication or a good sufficient coverage when it comes to critical illness cover. Because in terms of the industry as a whole, we do see most reports talking about survivors of critical illness based on the first five years after diagnosis, right? If a client or a patient is successfully recovered after the first five years without recurrence, the chances of a hundred percent recovery is higher. So, which is why I always recommend my client around five years of annual income coverage, basically to give my client the maximum and optimal window to get themselves fully recovered after the critical illness bout. Second area about sufficient coverage is we can actually adopt a more targeted approach. So I’m not sure if this has been a common knowledge as well when it comes to actually increasing coverage on specific illnesses, such as cancer, especially if clients with prior had family history of those, they are actually our safe products in the market that can specifically look at this critical units where you can targetedly increase your coverage for those critical illness.

Should you feel so without actually going through an entire life policy again. Looking at comprehensive coverage in terms of the aspects of it as well? What I usually look for through my clients when it comes to things such as financial review or a proposal is about protecting them for the three different stages of critical illness. So these three stages are actually more or less being defined by the industry as a whole, both in terms of early intermediate and critical stages. So it’s essential to know that most policies do cover the critical stage only, but not necessarily early and intermediate stages. So with that being said with the advancement in diagnostics techniques and methodology, we do see more claims coming out in terms of early and intermediate stages as well. And of course for our clients, it is where we recommend them to actually do a more comprehensive coverage of not just looking at the critical stages, but for early and intermediate stages as well. So in terms of this area to actually assess whether your current coverage is really comprehensive, I would suggest or recommend having a very thorough review done by a trusted financial advisor to actually go through in terms of the details, the wordings of your various policy documents, to make sure that you get a very clear picture in terms of your coverage for critical illness. 

So moving on to the third hack about why we should update our coverage? Because in terms of our working career, we might experience some significant change in income, right? Be it higher or a bit lower. So therefore it’s essential that we actually look at our existing coverage if they are able to actually replace our income effectively. If the life buoy is not enough on a ship to actually cater for all the passengers, then it does not serve its purpose. Similarly, like what the picture shows you can actually shelter yourself from a thunderstorm by using just a very small umbrella. Second point, why should you update your current because along the way we actually take on more liabilities, right? Besides just change, changing income. Sometimes we actually take on more home loans et cetera. So basically why coverage is important is because coverage does not just actually protect some of the income, but we also must cover some of our liabilities as well. So we therefore need to actually update our coverage along the way, just to make sure in terms of everything else, it actually gets updated with the change in our lifestyle.

So thus bringing in the point of term insurance as a big umbrella in terms of the things as well. Some insurance is essentially something that I recommend to clients because of its affordability and it’s targeted approach. When it comes to increasing coverage, we can specifically look at certain areas to increase our coverage on, basically to make sure these areas actually match up with our existing lifestyles, right? And term insurance like the words suggest is actually a temporary increment in coverage for some of our, or some of the short term purposes. For example, just for home loan that I’m taking out for the next 10 years i’d like protect myself adequately against it. Then we can actually propose using term insurance as a way to actually save your family or from inside any, you know, in terms of these liabilities in an event, in an unforeseen event of maybe a death or anything as well.

So moving on to our second poll question. I’ve been talking quite a bit about using different things, such as term insurance with critical illness coverage, but essentially a lot of this, I would say tools are most effective when you actually have your policy review done so that you can actually know what you already having and also from there, know what you actually lack. So just a quick question for everyone. When was the last time you had your policy reviewed? So are they once again, put a core question up on the site and then you can check back later in terms of the response as well.

So after going through the three insurance hacks, I just want to really know, come to the end of my session with this and to any notes, which I would say if all information at the front was too much for you to grasp it just grasp these two for now. Firstly, using insurance in moderation. I think these might come as quite ironic from an agent like myself, but essentially my purpose here is to actually ensure my clients are adequately insured. Not, over-insured not under insured because either way, both of them are actually equally detrimental to our clients’ long-term growth or long term financial status as well. So essentially it brings me to also the last point, do not second guess your insurance coverage, do not do that at all. Please make sure you do your review of your coverage annually with your financial advisor to ensure every needs are met or essentially to make sure in terms of when you lifestyle changes, what can be done to actually update your coverage.

But most importantly, these reviews give you a clear picture of how you can get, what action we can take when unforeseen situations arise as well. So just checking back on a poll questions. Okay. I see most of you have done your reviews if you, between six months to maybe two years with more than two years ago taking up a huge majority. So what I would suggest is that after this session, you can actually know if you still have your advisor contact to give him or her a ring to see if you can arrange for next session to do a review or pop by our booth where we also have no people there standing by just to answer some of the questions that you might have as well. Right. We have come to the end of my presentation. Thank you so much for your attention.