Obtaining a life insurance policy is the right financial decision for you and your family. However, trying to pass a life insurance medical exam may seem complicated, especially when you have a lot of responsibilities. Since a life insurance medical exam may seem daunting, the procedures are fast and the same as normal check-ups.
Preparing how to pass your life insurance medical exam could aid you earns good results, the best prices, and reducing exam anxiety. Continue reading and learn more about life insurance medical exams. Also, discover ways you can prepare and pass your life insurance medical exam if you undergo one.
What is a Life Insurance Medical Exam
A life insurance medical exam is a typical application procedure whereby you partake in a brief physical medical examination. The exam aims to evaluate your health totally to calculate the risk level you represent to the life insurance company. Additionally, this medical exam is beneficial as it has the potential to lock in the most affordable rates.
Your policy rates are significantly determined by your life expectancy. Generally, your life insurance premium would be less the younger and healthier you are. However, you should be ready for your medical exam even if you are certain about your well-being.
Furthermore, behaviors that seem harmless might impact your lab tests. For instance, consumption of excessive caffeine, sleep deprivation, or a vigorous morning workout could generate less-than-best results that may not show your real health. You won’t need to change your whole way of living to pass the exam and obtain the best life insurance quote available. Therefore, a few changes during the weeks and days before your exam would be beneficial.
How to Pass Your Life Insurance Medical Exam
When applying to pass a life insurance policy, a medical exam is mandated as part of the application procedure to know the total cost of a traditional life insurance policy. Even though the medical exam may seem easy similar to normal checkups, the result could affect your life insurance rates.
The following are the procedures on how you can pass the life insurance medical exam;
Arrange your policy medical exam by morning
The physical life insurance medical exam is regularly done within 15 to 45 minutes. The medical examination can happen anywhere that is comfortable for you like your home, workplace, or an exam center. This will help you feel relaxed and help maintain a minimal blood pressure.
Immediately you choose where the exam location would be, you should consider making the appointment in the morning. It is possible that the blood work part of your exam would need to be quick, meaning that you should take nothing but water. You can simply pass your medical exam if it’s done by morning.
Don’t consume caffeine or smoke beforehand
Maintaining the right blood pressure readings can be done by drinking water before a life insurance medical exam. In addition, it’s advisable not to smoke or drink coffee before the exam as it can affect your rates and coverage. Testing for nicotine and cotinine in life insurance does not indicate secondhand smoke.
This is because nicotine remains in the body for 3 days while cotinine could be detected for more than a week. Also, it’s important to avoid lying about tobacco records during the application or exam as it’s considered fraud. Giving up smoking is a positive step toward better health because, after a year, life insurance rates for nonsmokers become available.
Avoid fatty and salty meals
Your examiner would check your blood sample for testing and would examine your blood pulse and pressure. Therefore, you are to keep away from too much sugar, fatty, salty, or fried meals for a few days before your check-up as it would impact your blood test result. Additionally, you can eat foods like salmon, whole grains, and nuts like almonds and walnuts that increase your good cholesterol.
Drink water regularly
Being hydrated isn’t necessarily for hot or dry seasons or when you hit the gym. Drinking up to eight glasses of water daily, particularly in the days towards your exam can flush off any toxins that could indicate in your blood or urine samples. Also, it would be easy for the examiner to take out blood if you drink water regularly.
Avoid working out
Even though some regular movement seems helpful for increasing and preserving your well-being, vigorous exercise could increase your blood pressure and pulse rate. For this reason, you should avoid the gym for some days towards your life insurance medical exam. Furthermore, exercise could also increase urine protein levels and have a bad effect on cholesterol levels.
Enough night sleep
Enough night sleep is beneficial to the body. Gain enough night sleep the night before your exam because your blood pressure and pulse will indicate the amount of sleep you had. This will make you more confident and alert when you go for your medical exam.
Gather important documentation
It is necessary to provide your driver’s license and contact information for any doctor you see frequently on the exam day. Also, you will be requested to provide any hospital stays, prescriptions, drugs, surgeries, and procedures for the last five years. Lastly, spend enough time in the days before the exam to gather that documentation to ensure you are ready.
Final Thoughts
You might receive your blood or urine test results depending on the paramedical business that observed the test. For instance, ExamOne is considered one of the best paramedical services that offer medical results from 7 to 14 days after exams. You can register on their website if you are a candidate and you will receive an email about when the results will be out. Furthermore, you can ask the representative you speak with when you arrange your exam when you could get your results. Or contact the customer service at the paramedical company.