By Brad Cummins on Tuesday, 07 August 2012. Posted in Rates and Risk
Learn How to Pass Your Life Insurance Medical Exam & Take the Stress Out of Insurance Applications
Have you been looking into purchasing a life insurance policy but are worried about passing the medical exam? If you are, you’re not alone. People often worry that a less-than-stellar medical exam will disqualify them from any insurance, whatsoever, but this isn’t necessarily the case.
Learning how to pass life insurance medical exams. however, will influence the amount you pay for your policy as well as the type and quality of coverage, so it’s important that you learn to do what you can to ensure you pass the exam with flying colors.
Perhaps the best way to prepare for a medical exam is to know what you’re going to be required to do. Knowing what it is that they will ask you or ask you to do will make the entire situation much less stressful, which will undoubtedly help your performance. If anyone you know has done a life insurance medical exam with the same company, ask them about it. Also, be sure to ask the company if there is anything in particular you will need to do or bring the day of the exam.
If you aren’t already, try to eat well and avoid foods with high amounts
of sodium, fat, sugar or cholesterol, in the weeks leading up to your exam. Do what you can to detox by avoiding alcohol and caffeine, by increasing the amount of water you drink and the amount of fiber you eat. Even fasting for 12 hours before your test is a great idea, as it will help reduce the amount of sugar or cholesterol that show up in your blood. If you do decide to fast, be sure to schedule your exam for the morning, if possible.
Also, if you’re a smoker, now is a great time to quit or to at least cut back. If you have high amounts of nicotine, alcohol or even caffeine in your system, they may consider you high risk and your insurance rates and policy will reflect this.
Just like when you were in school, getting enough sleep before your life insurance medical exam is a wise move. Doing so will have an affect, even if only temporarily, on things like your blood pressure which will play an important part in your overall medical exam results.
Keep these things in mind when preparing for your life insurance medical exam and improve your chances of getting the best possible policy for the best possible price.
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