Once you have determined the total amount and type of life insurance policy you need in certain cases you will be required to take a medical exam. This exam is similar to a yearly check-up: blood pressure will be checked, urine specimen, blood drawn, height & weight measurements, etc. Depending on the results of this exam, along with the answers on your application, the Insurer will give you a rating which determines the premium you will have to pay on your policy. A better rating means less money you have to pay each month! That’s why its so important to properly prepare for your medical exam. Here are a few simple tips to help you secure the best rate possible.
Before You Schedule Your Exam:
Eat Healthy. In the month leading up to your exam it’s a good idea to clean-up your diet. Limit salt intake and skip the processed foods.
Check Your Cholesterol and Glucose Levels: Get a lipid panel and glucose screening test so you know where you stand. Cholesterol and Glucose levels that are out of normal ranges can affect your rating and monthly premium.
Drink Water. Drinking 8 glasses of water a day helps clean out toxins from your system. In the weeks leading up to the exam drinking more water can make a huge difference in your results.
Cut back on Alcoholic Beverages. Drink in Moderation. Alcohol can affect your liver enzymes and blood pressure.
24 Hours Before Your Exam:
Avoid Fatty Foods and Dessert. The day before your test avoid eating fried foods, fatty meats and sweets.
Avoid taking non-prescription drugs. Stay away from aspirin, cold medication, vitamins and other non-prescription drugs.
No Alcohol. Drinking the night before (or even 48 hours before) can seriously alter your test results.
No Smoking or Drug Use. This will show up, resulting in a sub-par rating or flat out denial of coverage.
Rest. A good night’s sleep can positively affect your blood pressure and pulse.
Avoid Strenuous Exercise. Take it easy at the gym the day before your test. A light workout is fine but intense cardio can negatively affect your results.
The Morning of Your Exam:
Make sure you have fasted for 8 hours before the exam.
Answer only the questions you are asked.
Disclose any current prescriptions. Insurance companies have access to your prescription history (usually up to 5 years back). Most conditions are a non-issue, what’s important to the Insurer is that the condition is controlled.
Most importantly, remember you can always postpone the exam. If you slipped up the night before or are not confident that your results will be satisfactory there is no penalty for cancelling and rescheduling the exam. Don’t be afraid to do so.
