Life Insurance Medical Exam
When you are trying to get the lowest life insurance rates, then you may consider polices that require a life insurance medical exam. The results of this exam will determine how low your rates are, so you want to put your best foot forward with the test.
You might think there’s nothing you can do to be a little healthier on the day of your exam, but there are several steps you can take to get optimum results on life insurance medical exam.
Information for the Underwriters
The information collected in the life insurance medical exam is passed on to the underwriters. They use the physical measurements and demographic information to confirm details you shared on the application.
However, they are also looking for variances. High blood pressure levels, elevated liver function tests and other questionable results can red-flag your account and result in higher fees.
Taking steps ahead of time to relax and rest can help you achieve better numbers for the underwriters.
Prepare for Blood Tests by Drinking Water
Blood tests are necessary for checking cholesterol levels and getting other lab work. If you are dehydrated, it will be harder for the nurse to draw your blood.
Make sure you drink plenty of water ahead of time, so you will be hydrated for the blood draw. Get the best results on your life insurance medical exam!
Women Should Schedule Life Insurance Exam Carefully
Women know that their menstrual period can be stressful, plus water weight gain always adds on a few pounds during this time. Women should check the calendar and schedule the medical exam for a time when they are not menstruating.
Control Glucose Levels by Fasting
Diabetics know that glucose levels drop after a period of fasting. Even if you aren’t concerned about the levels being high, you don’t want them to look high for the test because you ate a muffin an hour before the test.
Fast for a period of four to eight hours prior to your scheduled life insurance medical exam.
Take it Easy at the Gym
Working out at the gym regularly will help you get affordable life insurance, but you don’t want to overdo in the hours before your life insurance medical exam. It is recommended that you do not work out in the 12 hours before your appointment.
Even walking fast and working up a sweat can alter some levels slightly, and that can lead to higher life insurance rates. There have been cases where healthy individuals had abnormal cholesterol, blood pressure, white blood cell counts and glucose readings all because they worked out prior to their medical exam.
Avoid Alcohol, Caffeine and Nicotine
Drinking alcohol dehydrates you and it can result in elevated liver function levels. Even if this was a temporary situation, it could still result in higher life insurance rates.
Do not drink alcohol during the 12-hour period preceding the exam.
Caffeine and nicotine elevate blood pressure, so they should be avoided for the hours right before the exam. If you need coffee in the morning to get going, then try to drink it black.
Sleep is Important – Life Insurance Exam
Perhaps the most important thing you can do is get a good night’s sleep before the exam. If you are well rested and relaxed, then you are less likely to get “white coat anxiety” and artificially elevate blood pressure as a result.
Affordable life insurance is available, and you can get even lower rates by getting serious about your medical exam. Following these simple steps will help you put your best foot forward, and it will help you get the most affordable life insurance rates possible.
Please contact me today if you have any questions.Josh Docktor , Independent Insurance Agent Miami Office (888) 773-1181 – Fax: (954) 603-8682