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Bryan Bump knows the importance of annual physicals. They’ve saved his life -- twice.

In August 2011, Bryan, then 49, underwent a physical exam through his employer’s wellness program so that he could get a discount on his health insurance premium.  

“The doctor wanted to check my PSA levels because my father had prostate cancer,” he says. “I did not want to have the test, but I did it because she was very persuasive...