Premium Insurance Caps

Because Supplementation is a Necessity

BY STEVE BORN

Wouldn’t it be great if we could get all the nutrients we need for enhancing our athletic performance—and, more importantly, for enjoying optimal health—from our diet. It sure would make things much simpler! Unfortunately, in today's increasingly toxic and polluted world, the nutrient density and overall quality of the food we eat continue to decline.

Many people have fallen prey to the myth that a balanced diet provides all the nutrition their body needs, and their health is suffering as a result. The fact is that you cannot obtain all the nutrients your body requires from your diet. Here's why:

There has never been a single clinical study that documents what comprises a balanced diet, nor one that demonstrates that basic nutrient requirements can be met through whole foods alone.
An ever-growing body of research shows that food alone does not supply all the micronutrients we need to prevent deficiency, let alone achieve optimal health. Here are just a couple…

Nutritional scientist Bruce Ames bluntly states: “Inadequate dietary intakes of vitamins and minerals are widespread, most likely due to excessive consumption of energy-rich, micronutrient-poor, refined food. Inadequate intakes may result in chronic metabolic disruption, including mitochondrial decay. Deficiencies in many micronutrients cause DNA damage, such as chromosome breaks, in cultured human cells or in vivo. Some of these deficiencies also cause mitochondrial decay with oxidant leakage and cellular aging and are associated with late onset diseases such as cancer. [1]

One research study concluded: "Nearly the entire U.S. population consumes a diet that is not on par with recommendations.” [2]
Many of us do not have consistent access to fresh, locally grown foods. Much of our diet comes from foods grown far away, picked when unripe, and then sent packing. Nutritional content is questionable and often depleted.
Even if we could obtain all the nutrients we need from our diet (which we can't), most of us do not consistently adhere to an ideal diet.

Supplementation is a necessity!

With all these things working against us, supplementation is not just a good idea, but a necessity. That said, I am not suggesting that you can neglect your diet, take a handful of vitamin/mineral pills, and have all your nutrient needs covered. Nope, not at all. Supplementation is just that, supplementary, and it is not a substitute for a healthy diet. Supplements only fill in where diets fall short, and fall short they will—given the above-mentioned factors and the high nutrient demands, especially those of athletes and active people.

Where to start

To help bridge the gap between the nutrients we're obtaining from our diet and what we truly need, we recommend daily use of Hammer Nutrition's Premium Insurance Caps. This potent multivitamin/mineral product is formulated to fill in nutrient gaps inherent in the modern diet. Premium Insurance Caps contains vitamins and minerals at Optimum Daily Intake (ODI) amounts, not the bare bones Recommended Daily Allowance (RDA), Daily Value (DV) or Reference Daily Intake (RDI) amounts, which are essentially the minimum amounts needed just to prevent deficiency diseases. Designed to support active lifestyles, yet appropriate for anyone seeking to protect their health and maximize their energy, Premium Insurance Caps is the first stop in any life-enhancing supplement regimen.

Two extraordinary benefits from taking Premium Insurance Caps

If the information you’ve read thus far hasn’t convinced you that taking Premium Insurance Caps is highly beneficial, hopefully the following will.

EXTRAORDINARY BENEFIT #1
60%+ REDUCTION IN THE NUMBER OF SICK DAYS!

In August 2020, the eye-opening results from a study were published in the journal Nutrients [3]. To this day, it remains one of the most important studies in recent years, as researchers found that:

Compared to study participants taking a placebo, the participants who took a multivitamin/mineral supplement had a 60+% reduction in the number of sick days!
Those same participants also reported fewer and milder illness-related symptoms!

Profound? Eye-opening? You bet! Here are the highlights of this study:

It involved healthy participants between 55 and 75 years of age.
For 12 weeks, one group received a daily multivitamin/mineral supplement, while the other received an inactive placebo.
Before and after this period, researchers measured the participants’ blood vitamin/mineral status and various markers of immune function.
At the end of the study, the researchers noted that the participants who took the multivitamin/mineral supplement experienced an average of 2.29 sick days, while the placebo group averaged 6.43 days of illness.
It was also noted that the multivitamin/mineral supplement group experienced fewer illness symptoms than the placebo group and that those symptoms were noticeably milder.

In the published report, researchers made some notable comments:

“Since multiple nutrients support immune function, older adults may benefit from multivitamin and mineral (MVM) supplements.” [4]
“Generally regarded as safe and readily available over the counter, dietary supplements have been used with few significant side effects in clinical studies.” [5]
“Although conflicting and contradictory studies exist, there is evidence suggesting that dietary supplementation with a combination of immunity-related micronutrients supports immune function and reduces risk or severity of infection. [5]
“Indeed, targeted supplementation with these vitamins and minerals may provide additional protection at doses higher than the U.S. recommended dietary allowance (RDA)." [6]

We should always make maintaining a strong immune system a major focus in our daily lives, and the health challenges of the past couple of years have really emphasized just how razor-sharp that focus needs to be. Bottom line? Taking care of your immune system simply cannot be ignored!

While there are many things that we can do to help promote strong immunity—getting adequate sleep and reducing stress are just a couple—the first step is always the consumption of a diet dominated by nutrient-dense whole foods. However, as important as eating healthy is, that alone will not suffice. To achieve your best performances in your workouts and events—and, even more importantly, enjoy optimal health, which, as this study’s results show, could very well mean fewer sick days—then daily supplementation with Premium Insurance Caps, Hammer Nutrition’s potent multivitamin/mineral supplement, is a necessity, not an option.

EXTRAORDINARY BENEFIT #2
DAILY MULTIVITAMIN USE SLOWS COGNITIVE AGING 60%!

Additional remarkable research [7] concluded that taking a multivitamin/mineral supplement daily for three years is associated with a 60% slowing of cognitive aging. As most everyone knows, the brain is responsible for many functions that fall under the term “cognition” — thinking, learning, memory, attention, perception, processing information, and much more. It’s also important to know that cognitive aging and decline is not a disease, but instead a naturally occurring process.

While we may not be able to completely halt cognitive aging, we now know how we may be able to slow it down...way down!

This particular research on the effects of daily multivitamin/mineral use and cognitive function was a sub-study of a larger study that compared the effects of cocoa extract (500 mg/day cocoa flavanols) and a standard multivitamin/mineral supplement to a placebo. The first part of the research focused on the effects of cocoa extract (CE) vs placebo on Global Cognitive Function (GCF) composite score, the overall summary of 19 separate tests, and the primary method in determining overall cognitive function. The researchers then studied the effects of daily multivitamin/mineral use vs placebo on GFC.

While the CE findings were no different than placebo, there was a noticeable improvement in GFC composite score in the results for the multivitamin/mineral supplement vs. placebo. Lead study researcher, Dr. Laura D. Baker, states, "Daily multivitamin-mineral supplementation appears to slow cognitive aging by 60% or by 1.8 years,” and that the results “may have important public health implications, particularly for brain health, given the accessibility of multivitamins and minerals, and their low cost and safety.”

This new research is as impressive and important as the previously discussed study, and it adds to the “arsenal” of research that shows that daily use of Premium Insurance Caps provides extraordinary, wide-ranging benefits.

And finally, the most convincing evidence of all!

In my 25+ years at Hammer Nutrition, and ~40 years of independent study, I’m not sure I’ve ever seen a review of this size, which was reported in the January 2026 issue of Ageing Research Reviews [8]

19 meta-analyses
A total of 214 case-control, cohort, and interventional studies
Over 5.5 million men, women, and children are involved

Headed up by Dr. Weilan Wang, the researchers reviewed all of the data in these 19 meta-analyses. While taking into account that targeted, personalized approaches are needed—which makes sense as we are all physiologically different and may have specific nutrient needs based on numerous variables—Dr. Wang and associates found that multivitamin/mineral use was associated with:

In randomized, controlled trials — Better overall cognition (thinking ability, memory, attention, language, recall, and problem-solving) in cognitively intact or older adults, decreased psychological symptoms in healthy individuals, and lower systolic blood pressure among people with high blood pressure or chronic diseases. Multivitamins/minerals decreased the number of infections in adult trial participants who were younger than 65 years of age and in older adult participants who were undernourished.
In observational studies — Lower risks of cataracts, coronary heart disease, colorectal cancer in adults, and hip fracture in adults, including those hospitalized with osteoporotic hip fracture. Meta-analyses of studies that evaluated the use of multivitamin/mineral formulas among pregnant women found reductions in the risks of giving birth to infants that were small for their gestational age, had neural tube defects or developed cancer.

Now, Dr, Wang did state: "Future studies should prioritize well-designed randomized controlled trials and personalized approaches that account for individual nutritional status, mobility limitations, and chronic health conditions. Such strategies may better optimize the role of multivitamins/minerals in supporting healthy longevity.” However, at the very least, this enormous review of multiple studies most certainly adds evidence to the beneficial effects of taking a multivitamin/mineral supplement. It is most definitely an inexpensive “step in the right direction.”

Summary

At Hammer Nutrition, we emphasize both quality nutrition and supplementation. To optimize athletic performance and overall health, you need to consistently stick to the best possible diet. This starts with eating locally grown organic fruits and vegetables as much as possible. Do this NOT in the hopes of obtaining the vitamins and minerals you need (they’re no longer available in appreciable amounts in foods), but for the myriad health-benefiting nutrients that are unique to that specific fruit or vegetable.

In addition, include healthy fats in your diet, make sure your sodium and sugar intake is minimal, and avoid packaged, processed foods and junk foods at all times.

To ensure you're receiving the optimal amount of nutrients, augment your diet with a high-quality comprehensive supplement regimen. We believe Premium Insurance Caps is the premium insurance policy you need for your health and athletic performance.

Improve your health, and your quality of life and performance will follow! You will find that regular use of Premium Insurance Caps brings about accelerated athletic recovery, greater fatigue resistance, reduced rates of illness and infection, and a general experience of wellness.

REFERENCES:
[1] Ames, B. Low micronutrient intake may accelerate the degenerative diseases of aging through allocation of scarce micronutrients by triage. Proceedings of the National Academy of Sciences of the USA. November 21, 2006; 103 (47): 17589-94. https://www.ncbi.nlm.nih.gov/pubmed/17101959
[2] Krebs-Smith S, Guenther P, et al. Americans do not meet federal dietary recommendations. The Journal of Nutrition. October 2010; 140 (10): 1832-8. https://www.ncbi.nlm.nih.gov/pubmed/20702750
[3] https://www.mdpi.com/2072-6643/12/8/2447/htm
[4] Maggini, S.; Pierre, A.; Calder, P.C. Immune Function and Micronutrient Requirements Change over the Life Course. Nutrients 2018, 10, 1531.
[5] Gombart, A.F.; Pierre, A.; Maggini, S. A Review of Micronutrients and the Immune System-Working in Harmony to Reduce the Risk of Infection. Nutrients 2020, 12, 236.
[6] Calder, P.C.; Carr, A.C.; Gombart, A.F.; Eggersdorfer, M. Optimal Nutritional Status for a Well-Functioning Immune System Is an Important Factor to Protect against Viral Infections. Nutrients 2020, 12, 1181
[7] https://clinicaltrials.gov/ct2/show/NCT03035201
[8] https://www.sciencedirect.com/science/article/pii/S1568163725003113