Premium Insurance Caps
Premium Insurance Caps

Premium Insurance Caps

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Benefits

Improve your health, and your quality of life and performance will follow. Regular use of Premium Insurance Caps—Hammer’s potent multivitamin and mineral complex—brings about accelerated athletic recovery, greater fatigue resistance, reduced rates of illness and infection, and a general experience of wellness.

Premium Insurance Caps is formulated with only highly absorbable nutrients, in optimal amounts, to powerfully fill in nutrient gaps that are prevalent in the modern diet. It is the ideal “start here” supplement for hard-training athletes, active people, or anyone seeking to protect their health and maximize their energy.

Premium Insurance Caps FAQs

Why should I choose Premium Insurance Caps?

Q: There a tons of multivitamin supplements on the market. Why should I choose Premium Insurance Caps?

A: Here are 5 reasons to choose Premium Insurance Caps:

  1. Optimum, not minimum, amounts. Unlike many vitamin/mineral supplements that contain inadequate Daily Value (DV), Recommended Daily Allowance (RDA), and Reference Daily Intake (RDI) amounts of nutrients, Premium Insurance Caps is formulated with Optimum Daily Intake (ODI) amounts of the highest quality vitamins and minerals. Dr. Shari Lieberman hits the nail on the head about why the use of ODI amounts in supplementation is so vital: "RDIs reflect amounts that are adequate to prevent nutrient-deficiency diseases, and are not tailored for individual needs. In order to attain a state of optimum health and disease prevention, we must take into our bodies optimum - not minimum - amounts of vitamins and minerals."

    NOTE: Premium Insurance Caps contain superb levels of the B-complex vitamins, amounts that replicate many stress support formulas, thus making those products unnecessary in your supplement regimen.

  2. Capsules, not tablets. The nutrients in Premium Insurance Caps are contained within a two-piece all-vegetable capsule; that means they will dissolve much more rapidly and thoroughly than tablets would, so your body will actually receive the nutrients you're consuming. Because tablets can take longer to break down, they often irritate the intestinal lining, causing major stomach discomfort. Additionally, tablets can pass through the entire digestive system only partially dissolved, or completely un-dissolved. Either way, your body does not get the full volume of nutrients you ingested, which means you're not getting what you paid for.

  3. Highly assimilated, amino acid-chelated minerals. For many minerals, there are several forms available, all with differing absorption rates. Some companies use inexpensive forms of minerals in their products (e.g., magnesium in the oxide form or calcium in the carbonate form). Unfortunately, these cheap forms are not as well absorbed as other forms, such as the amino acid chelates used in Premium Insurance Caps.

  4. Multiple digestive enzymes for maximum nutrient absorption. It's not what you consume, it's what you absorb. To aid the absorption of nutrients, Premium Insurance Caps includes digestive enzymes such as pepsin and papain.

  5. Only beneficial nutrients, no "salt and pepper" amounts. Some companies add auxiliary nutrients at levels that have no real value (what we call "salt and pepper" amounts). For example, some multivitamin/mineral supplements contain only 5 mg. of coenzyme Q10 and/or lipoic acid. Both are fantastic nutrients, but at that level you won't experience any true benefits. So even though a product's label may show a long list of auxiliary nutrients, you won't see results if the amounts are inconsequential. When you buy such a product, you're paying for a product that has little more than an impressive label. All the nutrients included in Premium Insurance Caps are at levels that will provide real benefits.

Why did you choose the four you did for the Daily Essentials Kits?

Q: Of all the products you make, why did you choose the four you did for the Daily Essentials Kits? And what do these products do?

A: Hammer Nutrition's Daily Essentials supplements—Premium Insurance Caps, Race Caps Supreme, Mito Caps, and EndurOmega—provide the widest range of benefits for both athletic performance and overall health purposes. They are the cornerstone of the Hammer Nutrition product line, and they should be the foundation of your supplement program. Take them every single day, whether training or not, and enjoy the tremendous benefits they provide.

WHAT THE DAILY ESSENTIALS DO FOR YOU

  • Replenish vitamins and minerals, which athletes and active people deplete in greater amounts than sedentary people, to optimize overall health
  • Support entire-body health by supplying a wide range of antioxidants to help neutralize free radicals and the cellular destruction they cause
  • Provide key substrates to maximize efficient and consistent production of energy
  • Optimize mitochondrial health, an absolute necessity for enhancing athletic performance and overall health
  • Supply the body with the omega-3 fatty acids EPA and DHA, which are closely involved in numerous areas of human health

 

Premium Insurance Caps
Unlike many multis that contain inadequate Daily Value (DV) or Reference Daily Intake (RDI) amounts of nutrients (which are only the minimum standards for preventing nutrient-deficiency diseases), Premium Insurance Caps is formulated with Optimum Daily Intake (ODI) amounts of the highest quality vitamins and minerals. This supplies your body with the higher quantities of nutrients it needs for optimal health. Also included in the formula is an impressive array of complementary nutrients and digestive enzymes.

More about Premium Insurance Caps

Race Caps Supreme
The combination of nutrients in Hammer Nutrition’s premier product works synergistically to provide you with a plethora of dynamic athletic and general health benefits, unmatched by any other athlete-specific supplement. These include:

  • Higher energy levels during workouts and all day long, without the unpleasant stimulant side effects that come from the ingredients in many other supplements
  • Noticeable increase in endurance
  • Less muscle soreness and enhanced recovery after training sessions
  • Antioxidant support for optimal immune system function

 

Everyone will benefit greatly from the consistent use of Race Caps Supreme, and it's an absolute essential for athletes.

More about Race Caps Supreme

Mito Caps
The Mito Caps formula is based on the eye-opening studies of Dr. Bruce Ames regarding mitochondrial functioning, aging, deterioration, and regeneration. The importance of maintaining optimal functioning of the mitochondria is eloquently stated by Dr. Bill Misner: “The longer you can stimulate the lifespan or health of the mitochondria, the longer you may potentially live and the better you will perform in endurance events. The athlete who has the most healthy/efficient active mitochondria is the athlete who performs at their best.”

More about Mito Caps

EndurOmega
The premium-quality fish oil contained in EndurOmega supplies the body with the essential fatty acids (EFAs) eicosapentaenoic acid (EPA) and docosahexaenoic acid (DHA), both of which are vitally important for numerous aspects of athletic performance and overall health. These EFAs are required for life itself, in fact, so it’s no wonder they’re designated as “essential”! Our bodies cannot make EPA and DHA; supplementation with EndurOmega is the easiest, most efficient way to ensure you’re receiving adequate amounts of EPA and DHA.

More about EndurOmega

SUMMARY

The combination of the Hammer Nutrition Daily Essentials provides a tremendously wide range of benefits that support optimal athletic performance and overall health, a range that no other supplement combination can come close to matching. Available in money-saving kits, Premium Insurance Caps, Race Caps Supreme, Mito Caps, and EndurOmega are products that everyone, athlete and non-athlete alike, will benefit from. They should be the foundation of every daily supplement program, including yours!

Why do I need to take a multivitamin/mineral supplement?

Q: Why do I need to take a multivitamin/mineral supplement if I’m eating a balanced diet?

A: The reason why we highly recommend supplementing with a multivitamin/mineral supplement—Premium Insurance Caps is an outstanding product—is because you cannot obtain all the nutrients your body requires solely from your diet. Here's why:

  • There has never been a single clinical study that documents what comprises a balanced diet nor one that has demonstrated one's ability to meet basic nutrient requirements through whole foods alone.
  • Studies show that food alone does not supply all the micronutrients we need to prevent deficiency, let alone achieve optimal health. 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.” Another study concluded: "Nearly the entire U.S. population consumes a diet that is not on par with recommendations.”
  • Very few of us have routine 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 usually depleted.
  • Even if we could obtain all the nutrients we need from our diet, it's highly unlikely that any of us eats an ideal diet as consistently as we think we do. The USDA states: “To promote your health, eat a variety of fruits and vegetables—at least 2 servings of fruits and 3 servings of vegetables—each day” but really, how many of us do that with any kind of consistency? And that figure may be on the low side, thanks to research from Dr. Dagfinn Aune, who concludes, “Our results suggest that although five portions of fruit and vegetables is good, ten a day is even better.”

 

That said, please understand that we’re not suggesting that you can neglect your diet, take scads of pills, and have all of your nutrient needs covered. Supplements should never take priority over the consumption of a healthy diet. At Hammer Nutrition we emphasize both quality nutrition and supplementation. First and foremost, your primary nutritional goal is to consistently consume a healthy diet, which means:

  • Eating whole grains and locally grown organic fruits and vegetables as much as possible.
  • Avoiding packaged, processed foods and junk foods, and foods containing artificial sweeteners, colors, flavors, and preservatives
  • Minimal sodium and low-to-no simple sugars

 

The main reason to try and eat the healthiest diet possible—primarily a variety of fresh fruits and vegetables—is NOT so much for their vitamin and mineral content, which is minimal, at best, but instead for the nearly countless health-benefiting phytochemicals that are only found in fruits and vegetables. For example, research has shown that a naturally occurring flavonoid found in various fruits (mainly strawberries) called fisetin has strong antioxidant, neuroprotective, and cardio-protective properties. Eating lots of strawberries will help you get sufficient amounts of this amazing phytonutrient.

Bottom line: If you want to look, feel, and perform your best, the first step is always a diet dominated by nutrient-dense whole foods. But that alone will no longer suffice—supplementation has become a part of modern life. To augment the minimal amounts of vitamins and minerals supplied in the daily diet, and to obtain ideal amounts of these vitally important nutrients, you must supplement. If you want to achieve your best performances in your exercise sessions and events—and, even more importantly, enjoy optimal health (not minimal, optimal!)—then daily supplementation is a necessity, not an option.

What would you recommend to help in the healing process of a bone fracture, and also to maintain bone strength going forward?

Here are the following supplements that will be really helpful in not only fully healing the bone, but to strengthen it more and more.

1) Premium Insurance Caps. Many nutrients contribute to bone health, and, of course, overall health. Vitamin C, vitamin D, vitamin B6, magnesium, calcium, selenium, zinc, and more play a bone-healing role. Suggested dose: 2 capsules 2-3 times daily.

2) Essential Mg. For too long, people have been under the impression that taking lots and lots of calcium was necessary to help with bone healing and also to help prevent osteoporosis. And while calcium is indeed an important nutrient, it's actually magnesium that is the most important... and for a slew of reasons in addition to bone health. It is so important, in fact, that we’ve included an article regarding magnesium's role in bone health...

Magnesium – Mightiest Mineral for Bone Health

By: Steve Born

In Endurance News #103, I wrote about an article that discussed the importance of magnesium in maintaining optimal bone health (Magnesium: The most important mineral for bone health). The bottom line was that while calcium, vitamin D, and a couple other nutrients certainly play a role in bone health, I believe that it is magnesium that is “driving the train.” A portion of the article states:

A strong case can be made for magnesium as the most important component for bone health instead, especially because magnesium is necessary for the proper utilization of vitamin D and calcium.

Dr. Susan Brown writes, “Since magnesium participates in an astonishing array of biochemical reactions, it’s no surprise that it’s essential for healthy bones. Most notably, adequate magnesium is essential for absorption and metabolism of calcium.”

More recent research appears to confirm this rationale. A study [1] conducted by researchers from the Universities of Bristol and Eastern Finland showed that higher serum levels of magnesium greatly decreased the risk of bone fractures.

The researchers followed nearly 2,250 middle-aged men over a 20-year period and found that the risk of having a bone fracture—particular a fracture of the hip—was decreased by an astounding 44% in men with higher blood levels of magnesium. Researchers also noted that the 22 men with the highest magnesium levels had no incidence at all with bone fractures over the entire 20-year period.

Lead researcher, Dr. Setor Kunutsor, states: "The findings do suggest that avoiding low serum concentrations of magnesium may be a promising though unproven strategy for risk prevention of fractures."

While magnesium arguably being the key mineral for bone health—including the very real potential for helping prevent fractures—may be news for some, magnesium expert, James South, wrote about it decades ago. In his hallmark article “Magnesium, The Key to Health and Life,” and referencing the work of Dr. Guy Abraham from the early 80’s, South writes:

"Magnesium stimulates release of the hormone calcitonin, which drives calcium into the bones where it belongs, and out of the soft tissues where it doesn't. A high-calcium, low-magnesium diet and cellular environment will thus tend to favor calcification of soft tissues as osteoporosis gradually develops. Abraham points out that Asian and African diets are low in calcium (300 to 500 milligrams daily), yet high in magnesium, and osteoporosis is not more common in Asia and Africa than in Europe and America, where daily calcium intakes from high-dairy diets are often 800 to 1,000 milligrams daily, combined with low magnesium."

Abraham notes, "When patients with severe osteoporosis were given massive doses of calcium they went into positive calcium balance, but radiographic studies revealed no change in the osteoporotic process. Where did that calcium go? Obviously into the soft tissues where it does not belong.” Abraham adds, “Magnesium has a calcium-sparing effect and decreases the need for calcium.” [2]

This exciting new research, along with previous studies, confirms the key role that magnesium plays in bone health.

As I’ve mentioned before, “Unfortunately, while magnesium is contained in a variety of foods, the overall degradation of our food supply has caused the average American intake to decline to amounts significantly below Optimum Daily Intake (ODI) levels. Therefore, to ensure you’re obtaining adequate amounts of magnesium, select foods that contain substantial levels of this vital mineral (seeds and nuts are good sources), and augment your intake with additional amounts of magnesium via supplementation.

Essential Mg contains five forms of highly bioavailable magnesium. From supporting optimal bone health to so much more, Essential Mg is an ideal way to ensure that you’re receiving optimal amounts of this all-important, health-benefiting mineral.

REFERENCES:
[1] Setor Kwadzo Kunutsor, Michael Richard Whitehouse, Ashley William Blom, Jari Antero Laukkanen. Low serum magnesium levels are associated with increased risk of fractures: a long-term prospective cohort study. European Journal of Epidemiology, 2017; DOI: 10.1007/s10654-017-0242-2
[2] Abraham G. The calcium controversy. J Appl Nutr 1982, 34:69-73.

Suggested Dose: 2 Essential Mg in the morning, 1 at lunchtime or early afternoon, and 1-2 at bedtime (at night, magnesium is very helpful for helping the muscles and nerves relax).

3) EnDuro D. There are far too many benefits of vitamins D3 and K2 to include here, so I’d encourage you to read the article New Product Alert - EnDuro D, as it provides more detailed information about this all-important product. Regarding bone health, the benefits from vitamin D3 supplementation are to support proper utilization of calcium to optimize bone density and overall bone health. Vitamin K2 works with vitamin D3 for supporting bone health by activating a protein called osteocalcin, which helps keep calcium out of the arteries while increasing the amount of calcium in the bones (teeth as well). Suggested Dose: 1 capsule is a sufficient amount on a daily basis. For bone repair, 1 capsule twice daily is suggested.

4) Boron. This trace mineral is extremely important for many aspects of health, and it is vitally important for maintaining and improving bone health because of the role it plays in assisting with the bone-building effects of calcium, magnesium, and vitamin D. Studies show that adequate intake of boron reduces the loss of calcium and magnesium excreted in the urine. That ensures that more of these two important minerals stay in the body. Suggested Dose: Exactly the same as EnDuro D.

5) Whey Protein. A lot of people don’t think about protein when it comes to bone health, but this bit should convince otherwise. Bone can be imagined as being somewhat like a sponge made of living protein upon which mineral crystals are embedded. By volume, roughly half of bone is comprised of protein. When a fracture occurs, the body is called upon to gather protein building blocks together to synthesize a new structural bone protein matrix. In addition, protein supplementation increases growth factors like insulin-like growth factor-1 (IGF-1), a polypeptide that exerts a positive effect on skeletal integrity, muscle strength, immune response, and bone renewal. Protein malnutrition or under-nutrition leads to a “rubbery” callus, compared to the rigid calluses of those with adequate or high protein intake. Numerous studies document the acceleration of fracture healing with even a modest 10- to 20-gram increase in protein intake. The benefits of supplemental protein are important to everyone and especially important to those with malnutrition or low baseline protein intake. In fact, among elderly hip fracture patients, poor protein status at the time of fracture predicts fracture outcome. Those with low protein status take longer to heal, and have more complications, including death.

Specific amino acids of special importance include lysine, arginine, proline, glycine, cystine, and glutamine. Lysine, for example, is known to enhance calcium absorption, increase the amount of calcium absorbed into the bone matrix, and aid in the regeneration of tissue.

Suggested Dose: 1 scoop of Hammer Whey protein mixed in water only at bedtime + an optional dose of ½ to 1 scoop mixed in water with added fruit (smoothie) during the day will prove to be highly beneficial for bones, muscles, and immune system.

6) Tissue Rejuvenator. While not directly related to bone health, the nutrients in Tissue Rejuvenator will provide potent benefits for alleviating soreness, aches, and swelling, while also helping strengthen all of the connective tissue surrounding the bones. Suggested Dose: 2 capsules twice daily is our suggestion.

7) LSA Caps. This product, as well as Premium Insurance Caps, contains this trace mineral. The roles selenium plays in bone health are complex, but it is believed that a portion of its importance comes via its antioxidant properties. As part of the glutathione peroxidase antioxidant enzyme, selenium helps neutralize reactive oxygen species (ROS) free radicals. Levels of selenium that are too low can lead to higher ROS levels, which is considered to be a primary culprit in the development of osteoporosis. Low levels of selenium at also associated with lower bone mineral density (BMD), which decreases bone strength and increases the risk of fractures and osteoporosis. Suggested Dose: 2-4 capsules of Premium Insurance Caps (57 - 86 mcg) and 4 capsules of LSA Caps (100 mcg) daily will supply you with an ideal amount of selenium.

Why do Premium Insurance Caps seem to have a bit of a fishy smell?

Unlike previous incarnations of Premium Insurance Caps, you may notice that the most updated formula has a strong, medicinal-like to an almost fish-like odor. So where exactly is that smell coming from?

Part of it is due to the B vitamins, which have a naturally strong, medicinal-like smell (open a bottle of a "stress formula" product, which is basically a combination of all of the B vitamins and some vitamin C, and you'll most likely notice a similar smell). Our manufacturer confirmed this while adding that one of the substances in the product, Betaine Hydrochloride (Betaine HCL), also has a naturally strong odor, one that can very much be described as "fish-like". Betaine HCL is included in the Premium Insurance Caps formula to aid in the absorption of protein and certain vitamins and minerals such as vitamin B12 and calcium. Again, the medicinal-to-fish-like smell that comes from this particular nutrient—as well as the B vitamins—is completely natural and normal.

 

Why is my urine bright yellow after taking Premium Insurance Caps?

The Vitamin B2 (riboflavin) in Premium Insurance Caps is the reason for the bright yellow color change in urine. Among its many functions, riboflavin helps co-enzymes break down carbohydrates, protein, and fats. As the flavins in riboflavin are utilized in the body to metabolize carbs, fats and protein they pass along flavin rings which have a neon yellow color. That’s why urine is a brighter yellow color after taking Premium Insurance Caps and especially after consuming carbs, protein, and fats, It is NOT "peeing out all your vitamins" or “creating expensive urine” as some would lead you to believe. When you see you urine turning yellow it just means that the flavins in riboflavin are doing their job in metabolizing carbs, protein, and fat. This effect from riboflavin is completely normal and harmless.

Does Hammer have a “collagen-enhancing" supplement?

We currently do not produce an actual collagen supplement, but there are a number of nutrients that are involved in the production of collagen:

1) Vitamin C (Endurance C) is vital in the production of collagen, and without this vitamin the body can’t form collagen. Research shows that "the presence of Vitamin C directly triggers DNA to regulate and maintain the intercellular amount of collagen." [1]

2) Zinc and Copper (Premium Insurance Caps) are both cofactors in the production of collagen.

3) The amino acids Lysine, Glycine, and Proline are all necessary for collagen production. On a gram-per-gram basis, Whey Protein has higher amounts of these three amino acids, though Organic Vegan Protein is not far behind.

4) The Type II Collagen in Tissue Rejuvenator is a protein that is made from chains of amino acids, including glycine and proline, both of which are mentioned in #3. The Horsetail Leaf in Vegan Tissue Rejuvenator is a plant source of the trace mineral silica, which aids in collagen production.

REFERENCE: https://www.sciencedirect.com/science/article/pii/B9780815515845500144

What are the benefits in taking Premium Insurance Caps?

Q: In addition to helping cover my vitamin and mineral needs, are there any other benefits in taking Premium Insurance Caps?

A: Here are two extraordinary benefits to be enjoyed by taking Premium Insurance Caps:

60%+ Reduction in the number of sick days!

In August 2020, the eye-opening results from a study were published in the journal Nutrients [1]. 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:

  1. It involved healthy participants between 55 and 75 years of age.

  2. For 12 weeks, one group received a daily multivitamin/mineral supplement, while the other received an inactive placebo.

  3. Before and after this period, researchers measured the participants’ blood vitamin/mineral status and various markers of immune function.

  4. 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.

  5. 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.” [2]

“Generally regarded as safe and readily available over the counter, dietary supplements have been used with few significant side effects in clinical studies.” [3]

“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. [3]

“Indeed, targeted supplementation with these vitamins and minerals may provide additional protection at doses higher than the U.S. recommended dietary allowance (RDA). [4]

REFERENCES:
[1] https://www.mdpi.com/2072-6643/12/8/2447/htm
[2] Maggini, S.; Pierre, A.; Calder, P.C. Immune Function and Micronutrient Requirements Change over the Life Course. Nutrients 2018, 10, 1531.
[3] 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.
[4] 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

Daily multivitamin use slows cognitive against 60!

This remarkable research [1] 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 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.”

REFERENCE:
[1] https://clinicaltrials.gov/ct2/show/NCT03035201

Why is vitamin B5 not included in the Premium Insurance Caps?

Q: Why is vitamin B5 not included in the Premium Insurance Caps? Is B5 not a necessary part of B-Complex?

A: Vitamin B5 is pantothenic acid, and on labels of multivitamin/mineral supplements, oftentimes the latter is the one that is used. Every 7-capsule dose of Premium Insurance Caps contains 100 mg of pantothenic acid/vitamin B5.

Why doesn’t Premium Insurance Caps contain iron?

Premium Insurance Caps does not contain iron because nearly all Americans, if they consume adequate calories via a balanced diet, obtain more-than-sufficient amounts of iron, negating the need for additional iron from supplements. Dr. Shari Lieberman recommends an Optimum Daily Intake (ODI) of 15-25 mg for men and 20-30 mg for women. It is very easy to exceed these values from food alone. If an athlete consumes excessive amounts above Recommended Daily Allowance (RDA) levels of dietary iron—which ranges from 8 - 27 mg daily, depending on gender and age—they may experience premature fatigue and, potentially, more serious general health issues.

According to a well-respected source, "Most people have too much iron in their body. Excess iron generates massive free radical reactions. Human epidemiological studies show that those with high iron levels are far more likely to contract cancer and heart disease. A growing body of evidence implicates iron in neurological disorders such as Parkinson's disease."

Iron is an extremely important nutrient, especially for endurance athletes. An iron deficiency can negatively affect oxygen transport to the muscles if below-levels of hemoglobin are detected. An iron deficiency can also impair energy production if myoglobin and mitochondrial enzymes are sub-normal. However, too much iron can cause serious health issues, as outlined above.

If you aren't sure about your iron status, a CBC (Complete Blood Count)/Chemistry Profile blood test will determine what your iron status is and whether supplementation is necessary.

Am I getting too much vitamin E?

Q: I noticed that there’s vitamin E in Premium Insurance Caps, Race Caps Supreme, and Mito Caps. If I’m taking all three products, will I be getting too much?

A: The answer to this question requires a bit of information, but the short answer is “no”, you won’t be oversupplying your body with too much vitamin E.

There are numerous studies, far too many to list even a fraction of them, that show that Optimum Daily Intake (ODI) amounts of vitamin E supplementation have multiple benefits. Still, there are some who believe that higher vitamin E intake is unnecessary and may, in fact, be detrimental. Dr. Bill Misner suggests otherwise, stating, "The only warning for limiting Vitamin E intake is if you are taking a prescription anticoagulant. In that case, you should follow your physician's counsel. The therapeutic dosage of Vitamin E commonly used by athletes seeking to prevent free radical damage during and following exercise is 1,200 IU per day. Dosages of up to 3,200 IU of Vitamin E have been used daily in a wide variety of subjects for periods of up to two years without any unfavorable side effects occurring.”

Vitamin E has many, many benefits including:

  • Maintaining cell membrane integrity and helping reduce cellular aging
  • Acting as a fat-soluble free radical scavenger
  • Maintaining healthy platelet aggregation
  • Protecting ocular (eye) health
  • Helping delay cognitive decline
  • Enhancing immune function

 

All of the above-listed reasons are why this important vitamin exists in Premium Insurance Caps, Race Caps Supreme, and Mito Caps. It’s important to remember that your body will be depleting vitamin E as it neutralizes free radicals, and also as it donates an electron to a “used up” antioxidant such as the coenzyme Q10 in Race Caps Supreme and the R-alpha lipoic Acid in Mito Caps, effectively renewing its antioxidant properties and capabilities (the is one of the main reasons why vitamin E is in Race Caps Supreme and Mito Caps). This means that your body is not storing all the vitamin E you're ingesting, but rather using it up as it utilizes its antioxidant properties (donating part of its molecular structure) in counteracting the negative effect caused by free radical production and accumulation, as well as regenerating used up/electron-missing antioxidants.

Each capsule of Premium Insurance Caps supplies approximately 38.22 mg/57 IU of vitamin E (d-alpha tocopherol), each capsule of Race Caps Supreme supplies 89.33 mg/133 IU, each capsule of Mito Caps supplies 8.33 mg/12.5 IU.

On a daily basis, if you are taking (for example)…

  • 4 Premium Insurance Caps
  • 2 Race Caps Supreme
  • 2 Mito Caps

 

… you are consuming approximately 348 mg/519 IU of vitamin E per day. The Optimum Daily Intake (ODI) for vitamin E is 400 - 1200 IU daily. I believe that 400 - 800 IU daily is a sufficient amount for general health purposes, with the lower amount being adequate for sedentary people. For athletes, however, because they are generating several times more free radicals than sedentary people do, an amount upwards of 1200 IU daily is rational.

How to Use

Take 1–7 capsules daily with food as follows:

1–2 Capsules Daily with Meal
Ideal for children, young adults, and even those with an excellent whole foods-based diet.

3–4 Capsules Daily with Meal
The most common dosage for adults training fewer than 8–10 hours per week.

7 Capsules Daily Split Between 2 Meals
Super high-potency for high-volume exercise well over 10 hours per week.

PRO TIPS

Due to its calcium, selenium, and biotin contents, this product qualifies as a “women’s, pre-/post-natal formula.”

Allow 2–3 hours between the use of Premium Insurance Caps and the start of exercise.

Store in refrigerator or cool, dark place.

 

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INGREDIENT BREAKDOWN

VITAMINS:

Vitamin A (as beta-carotene)

Vitamin B1 (thiamine)

Vitamin B2 (riboflavin)

Vitamin B3 (as niacinamide)

Vitamin B6 (as pyridoxine phosphate)

Vitamin B12 (as methylcobalamin)

Vitamin C (as calcium ascorbate)

Vitamin D3 (as cholecalciferol)

Vitamin E (as d-alpha-tocopherol)

Folate (as folacin)

Biotin (as d-biotin)

Pantothenic Acid (as d-calcium-pantothenate)

MINERALS:

Calcium (as AAC* and calcium ascorbate)

Iodine (as kelp)

Magnesium (as AAC*)

Zinc (as AAC*)

Selenium (as AAC*)

Copper (as AAC*)

Manganese (as AAC*)

Chromium (as Chromemate™)

Potassium (as AAC*)

Boron (as AAC*)

*AAC = Amino Acid Chelate

COMPLIMENTARY NUTRIENTS:

Bioperine™ – A trademarked standardized extract from the fruit of Piper nigrum (black pepper) or Piper longum (long pepper)

Pepsin – A proteolytic enzyme (helps breakdown protein)

Bromelain – An enzyme derived from pineapple

Papain – An enzyme derived from papaya

Phosphatidyl Serine – A phospholipid that contains both amino acids and fatty acids

PABA (para-amino benzoic acid) – A B-complex vitamin, also known as vitamin B10

Quercetin – A bioflavonoid found in onions, apples, leafy vegetables, and other food sources

Phosphatidyl Choline – A phospholipid bound to a choline particle

Inositol – A type of carbohydrate, also known as vitamin B8

Betaine HCL – A digestive enzyme containing betaine and hydrochloric acid

Citrus Bioflavonoids – Compounds found is citrus fruits

Proprietary Enzyme Blend (protease, amylase, glucoamylase, lipase, cellulase, phytase, maltase, and sucrose) – A blend of digestive enzymes

 

Nutritional Information
Premium Insurance Caps
210 Capsules Super High-Potency
Supplement Facts
Serving Size - 7 capsules
  Amount Per Serving % Daily Value*
Vitamin A (as beta-carotene) 1800mcg 200%
Vitamin C (as calcium ascorbate) 500mg 556%
Vitamin D (as cholecalciferol) 13mcg 65%
Vitamin E (as d-alpha tocopherol succinate) 269mg 1793%
Thiamin 100mg 8333%
Riboflavin 100mg 7692%
Niacin 100mg 625%
Vitamin B6 (as pyridoxine phosphate) 100mg 5882%
Folate (5-MTHF) 680mcg DFE (400mcg folic acid) 170%
Vitamin B12 (as methylcobalamin) 100mcg 4167%
Biotin (as d-biotin) 150mcg 500%
Pantothenic Acid (as d-calcium pantothenate) 100mg 1000%
Calcium (as AAC** and calcium ascorbate) 400mg 31%
Iodine (as kelp) 113mcg 75%
Magnesium (as AAC**) 200mg 48%
Zinc (as AAC**) 15mg 136%
Selenium (as AAC**) 100mcg 182%
Copper (as AAC**) 1mg 111%
Manganese (as AAC**) 7.5mg 326%
Chromium (as Chromemate™) 200mcg 571%
Potassium (as AAC**) 50mg 1%
Boron (as AAC**) 2.5mg
Bioperine™ (Piperine niger) 5mg
Pepsin 25mg
Bromelain 25mg
Papain 25mg
Phosphatidyl Serine 50mg
PABA (para-aminobenzoic acid) 100mg
Quercetin 350mg
Phosphatidyl Choline 100mg
Inositol 100mg
Betaine HCL 100mg
Citrus Bioflavonoids 500mg
Proprietary Enzyme Blend (protease, amylase, glucoamylase, lipase, cellulase, phytase, maltase, and sucrase) 25mg
* The Percent Daily Values are based on a 2,000 calorie diet. Your daily values may be higher or lower depending on your calorie needs.
† Daily Value not established.
** AAC = Amino Acid Chelate
Other Ingredients: Rice Bran (Oryza sativa), Vegetable Capsule (plant cellulose, water)

These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease.
Premium Insurance Caps
120 Capsules Multivitamin
Supplement Facts
Serving Size - 4 capsules
  Amount Per Serving % Daily Value*
Vitamin A (as beta-carotene) 1029mcg 114%
Vitamin C (as Calcium Ascorbate) 240mg 267%
Vitamin D (as cholecalciferol) 7mcg 35%
Vitamin E (as d-alpha tocopherol succinate) 147mg 980%
Thiamin 43mg 3583%
Riboflavin 54mg 4154%
Niacin (as niacinamide) 54mg 338%
Vitamin B6 (as pyridoxal 5-phosphate) 51mg 3000%
Folate (as 5-MTHF) 366mcg 92%
Vitamin B12 (as methyl cobalamin) 55mg 2292%
Biotin 82mcg 273%
Pantothenic Acid (as d-calcium pantothenate) 49mg 980%
Choline (as phosphatidylcholine) 23mg 4%
Calcium (as AAC** and calcium ascorbate) 225mg 17%
Iodine (as kelp) 55mcg 37%
Magnesium (as AAC**) 110mg 26%
Zinc (as AAC**) 8mg 73%
Selenium (as AAC**) 48mcg 87%
Copper (as AAC**) 0.6mg 67%
Manganese (as AAC**) 4mg 174%
Chromium (as Chromemate™) 96mcg 274%
Boron (as AAC**) 1.5mg
Bioperine 2.9mg
Pepsin 14.3mg
Bromelain 14.3mg
Papain 14.3mg
Phosphatidyl Serine 28.6mg
PABA (para-aminobenzoic acid) 57.2mg
Quercetin 200mg
Inositol 57.2mg
Betaine HCL 57.2mg
Citrus Bioflavonoids 285.7mg
Proprietary Enzyme Blend 14.3mg
* The Percent Daily Values are based on a 2,000 calorie diet. Your daily values may be higher or lower depending on your calorie needs.
† Daily Value not established.
** AAC = Amino Acid Chelate
Other Ingredients: Rice Bran (Oryza sativa), Vegetable Capsule (plant cellulose, water)

These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease.
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