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The more payments an employee receives from his or her policy, the more value they see in the policy. (Image: Shutterstock)

Last year, a colleague of mine started experiencing shortness of breath during his regular exercise regimen. He didn’t think much of it at the time—after all, he was a relatively healthy, middle-aged adult. But, he mentioned it to his doctor, they performed a stress test and a few days later, he was having triple-bypass surgery to remove an 80 percent blockage in his “widowmaker” artery.

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