Transcript
Host (0:01)
This episode is brought to you by Progressive Insurance. Fiscally responsible financial geniuses, monetary magicians. These are things people say about drivers who switch their car insurance to Progressive and save hundreds.
Gary Brecke (0:15)
Visit progressive.com to see if you could save Progressive Casualty Insurance Company and affiliates.
Host (0:21)
Potential savings will vary. Not available in all states or situations.
Gary Brecke (0:28)
When you look at all of the variables, why are the majority of people not living longer, healthier, happier, more fulfilling lives? So Gary Brecke is a human biologist and he says to me, give me 10 weeks, I promise I'll change your life. If you want to see magic happen in human beings, you first give their body the raw material it needs to do its job. We are not a collection of goals. We're not a collection of priorities. We are a collection of habits.
Co-Host (0:55)
What would you say are the biggest health scams have been debunked? That people continue to believe?
Gary Brecke (1:00)
These are the kinds of questions we say ask ourselves. You know, why is it that I'm needing an energy drink in the, in the middle of the day? What does my sleep look like? Did I exercise this morning? Most people die in their 70s and leave this earth in their 80s. What we're talking about at a minimum is extending your health span to match your lifespan. The diet secret is to eat whole foods, not processed foods. To two non negotiables in living a long life.
Co-Host (1:30)
Gary Brea, thank you so much for coming on the Ice Coffee hour.
Gary Brecke (1:33)
Yeah, I'm so, so excited to be here.
Host (1:34)
Really appreciate it.
Co-Host (1:35)
So you used to predict exactly when people would die. How accurate were you? And what did you learn about the biggest killers?
Gary Brecke (1:42)
So, so predicting life expectancy to the month is, is, is what I did and I didn't do it on my own. There was a team of, of people that put these models together. It means a, it's actually a very sound science. I get a lot of the team I was associated with could predict mortality to the month, but it's some of the most accurate science in the world. If you look at the voluminous amount of financial services instruments, annuities, reverse mortgages, life insurance, all of this entire category of financial services instruments are based on mortality. How many more months does somebody have left on earth? So for example, all your listeners that are listening to this right now, men and women, we're all on an actuarial curve, right? So if you're a 24 year old female, you have a life expectancy of X. If you're a 54 year old male, you have a life expectancy of Y based on a massive population. But if you're a life insurance company and you're getting ready to put 25 million or $50 million worth of risk on somebody's life, you don't care where they are on that actuarial curve. You want to know their specific mortality. You want to know how many more months does this person have left on earth. So for example, there's a whole category of financial services instruments called annuities. And an annuity type of annuity called a spia is where you write the insurance company a check, let's say for a million dollars, and they guarantee you an income stream for life as long as you live. You're going to get X dollars every single month. How do you think they determine that payout? It's based on your mortality. And what we used to determine that was big data. So we didn't use randomized clinical trials, we didn't use pharmaceutical data, we didn't use census data. We used big data. Day, date, time, location and cause of death for hundreds of millions of lives. Triangulate that the record and determine what were the actions, what were the, what were the markers in this person's blood? What were the lifestyle and demographic data that led to either prolonged or.
