You probably know that your health is an important factor in life insurance companies use to decide how much you charge for coverage . The healthier you are, the less you pay. They get a lot of information they need by performing a medical examination.
Sometimes, the cost difference is dramatic. Poor results can even cause your application to be denied. So there much riding on these results.
What happens during a medical examination?
Once you have applied for a life insurance policy, your agent schedule a time for you to meet a nurse or medical examiner. In most cases, the examiner will be able to meet you at your home or office.
The examiner ask you some questions about your medical history. They will check your blood pressure. They will also measure your height and weight to determine your body mass index (BMI). Your BMI is an important indicator of your risk of premature death.
(If you're curious, you can find your BMI using the National Heart, Lung and Blood Institute super easy BMI calculator.)
You will provide a sample blood and urine. A resting electrocardiogram (ECG) or additional testing may be necessary, depending on your age and the font size.
The entire general examination takes about 30 minutes.
how should I prepare for the medical examination?
We have provided some useful tips that will help you get the best possible results on your medical examination in the video below. By following these simple tips will help you pay the lowest possible rate
Here are some additional details :.
- Eat healthy foods to make sure your blood work is as clean as possible. Really, you should still try to eat healthy (for the record, I'm a vegan). While changing your diet is not a priority for you, you must do your best to cut out the junk food for seven days before the exam.
- Green vegetables like broccoli and spinach are known to lower cholesterol and blood pressure. Foods rich in fiber are good for your cholesterol, too.
- try avoid stress and be well rested , especially the day before the exam.
- Avoid drinking alcohol for at least 3 days before the examination . Remember, you are trying to clear the "bad things" out of your blood. You do not want the insurance company into thinking that you can not stop drinking for a few days, either.
- The day before the medical examination, try not to take painkillers or stimulants, including caffeine. Take prescription drugs on the calendar, but avoid nasal decongestants, aspirin and ibuprofen if possible.
- Avoid strenuous activity (exercise, heavy lifting, etc.) on the day of the examination . This ensures that you do not need extra protein in the urine.
- Want start fasting (not eating) for at least 8 hours before the examination . You can drink water - that's all.
- It is a good idea to drink a glass or a bottle of water before the exam so that you are ready to give a urine sample.
- Do not use any form of tobacco on the day of the exam.
These medical examinations tips can help you avoid abnormal results tests. Ignoring these basic tips can put you in a lower rate class, which can cost you thousands of dollars in premiums over the term of the policy. You may even have to repeat the test with your primary care physician at your expense.
We want to make sure you get your life insurance at the lowest rate you can qualify for. These tips will help you do it.
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