Tips on How to Prepare for Your Life Insurance Exam

Here’s a how-to article about the steps that you should take before a life insurance medical exam. Doing this can help you gain a lower premium.

One of life’s only truths is that one day, it will come to an end. Everybody knows this, and many people believe different things about what happens to them after they die. One thing that is a major concern is what happens to those you leave behind? If you’re currently providing the main source of income for your family or dependents, this can present a serious concern. Parents will wish for their children to have enough money to go to college so that they can have a bright future. If you pass away, life insurance will be invaluable for your surviving family and dependents.

Insurance companies are in the business of staying in business, so they shy away from people who are at a higher risk of losing their life very soon after getting the policy. This can be for many reasons, such as a dangerous job, but most often the concern is that the person who is seeking insurance already has a certain number of health risks. In order to evaluate this and have all the facts, life insurance companies will ask you to take a medical examination. While this is largely like a routine physical exam, there are certain steps that you can take to prepare for a life insurance exam.

First, it’s a good idea to be prepared well ahead of your exam. Do your best to eat healthy, don’t smoke, and avoid other bad habits that might lead you into a riskier health bracket. Paying mind to the FDA’s Food Pyramid is a good rule of thumb that can seem hard to follow, but in the grand scheme of things, it’s harder to pay a high premium for life insurance! If you can manage to do this, you’ll be several steps ahead when it comes time to take the tests.

Secondly, you can relax if you’re generally in good health because the life insurance exam is not very strenuous. The introductory tests consist mostly of a blood extraction, cheek swab to check for smoking, blood pressure screenin,g and a respiratory exam to see if you have a condition like asthma. Those require almost no preparation. 

However, you should call ahead to see if you need to take a sample of your blood sugar. If so, then you will be asked to eat nothing for at least eight hours before your life insurance exam. You might also be able to lower your cholesterol a little bit by chowing down on extra fruits and vegetables for the week before the tests. Also make sure to drink plenty of water and juices. Definitely make sure that you alert the testing doctor’s office of any medications that you regularly take. Some foods and cold medicines can show a positive drug test result, so they should be avoided.

Posted by on Nov 13, 2012 in Blog | 0 comments