8 Tips For A Great Life Insurance Exam

One of the biggest hurdles for people trying to get life insurance is the thought of taking a required medical exam. Many providers call for an exam before you’re issued a life insurance policy. If you’re attempting to gain life insurance coverage and a medical exam is needed, there are a few steps you can take to get the best results possible.

Early Appointment

Different foods can affect your blood pressure reading, so it’s a good idea to avoid eating for about six hours prior to your exam appointment. Schedule your exam early in the morning so you can complete the appointment and then eat breakfast.

Avoid Coffee & Cigarettes

Caffeine and nicotine can elevate your blood pressure, so skip the morning cup of joe and smoke so you’re readings don’t put you into a high risk group.

Very Little Salt

For the week leading up to your life insurance medical exam, avoid eating salty and fatty foods. Your cholesterol and blood pressure can be affected by the sodium, so consume less salt for a few days leading up to your appointment.

Plenty Of Water

Keep your body hydrated so ti’s easier to give blood and offer up a urine sample.

No Alcohol or Drugs

Even if Marijuana is legal in your state, don’t smoke. A positive test for drugs or alcohol can place you in a “smoker” category – meaning you’ll pay higher prices for life insurance, if you’re accepted at all. Plus, alcohol can dehydrate your body, making it hard to take your blood.

Create A Medication List

Write down any medicines you take on a regular basis, including prescription and over the counter. The examiner will ask you questions about your family’s medical history, so knowing that information will also help the exam go more quickly.

Avoid The Gym

It may be the only time you’ll want to avoid working out for health reasons, but skip the gym just before your workout as intense exercise can cause your blood pressure to spike.

Rest

When you are well-rested, your blood pressure is generally lower. Getting a few extra hours of shut-eye can also help you feel less anxious – a good way to get positive test results and keep yourself in a lower price bracket for life insurance.

The best way to ensure you get the best results possible on a life insurance medical exam is to live a healthy lifestyle. Don’t wait to apply for life insurance coverage. As you age, the more expensive the premium payments will be.