Preparing to pass the life insurance medical exam.
When you buy life insurance, one step in the process is usually to get a medical exam. The exam results help underwriters at the life insurance company to determine their risk when they insure you. In turn, your risk determines how much you end up paying for coverage. To help you produce the best medical exam results, here is how to prepare.
Schedule your life insurance exam for early in the morning. Even a piece of fruit can affect your blood pressure reading, which is why many fast six to eight hours before an exam. Having an early morning exam means that you’re able to fast without starving all day.
Don’t drink coffee or smoke beforehand. Skip your morning caffeinated beverage and definitely don’t smoke before going into the exam. The caffeine and nicotine may elevate your blood pressure readings.
Avoid fatty food. Fatty, junk food will affect your cholesterol and blood pressure results, so avoid eating anything too processed about a week before your exam.
Prepare a list of any medications you are on. The life insurance examiner will ask about your medical history. Have a list of any medications you are taking, including prescription and over-the-counter drugs.
Skip your morning workout. Exercise can raise your blood pressure and pulse rate. You can do light cardio and weights, but avoid strenuous exercise the night before and the morning of your exam.
Lastly, be honest. The examiner will know if you have lied about drinking, smoking, or any other habits, so it’s wise to be truthful to begin. When you’re looking for a new policy, we are here to help. To speak to a team you can trust, contact the professionals at Massive Insurance. We are ready to get you the right life insurance coverage today.