A few preparations could save you a lot of money.
What Is a Life Insurance Medical Exam?
To help determine how healthy you are, the insurance company often pays for a life insurance physical exam.
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A medical professional conducts the exam.
Probably not as good as youd like.
It always seems like an uphill battle to build (and keep) a decent amount in savings.
But what if your car breaks down, or you have a sudden medical bill?
Why Do Life Insurance Companies Do Medical Exams?
The exam also helps level the playing field a bit.
The opposite is also true.
Insurance companies use a rating system to put people into risk classes.
Each company has slightly different criteria, but there are some basic categories.
The younger and healthier you are when you first buy a policy, the better your rate could be.
You are what you eat, and what you eat impacts your blood samples.
Avoid:
Eat more:
Consider fasting eight to 12 hours before the exam.
Eating before a blood test can impact glucose and cholesterol levels.
Scheduling an appointment early in the morning makes fasting easier.
Also, be careful about supplements and medications you take.
B12, cold medicines, decongestants and sleeping pills can create false positives and alter test results.
Drink Plenty of Water
Dehydration can impact liver enzymes, while being hydrated makes it easier to draw blood.
Increase your water intake to about eight glasses a day.
Avoid Alcohol and Caffeine
Avoid alcohol at least three days before the exam.
Caffeine is also dehydrating and can impact blood pressure.
Dont drink coffee, energy drinks or sodas the day of the test.
Exercise can also increase protein levels in urine, often forcing a retest.
Sleep also can lower blood pressure and anxiety.
The goal is to maximize height and minimize weight.
Dont smoke at least 30 days before an exam.
This makes it easier for blood to flow and can lower the systolic reading by several points.
The most important advice is to be honest about your health and medical history.
Future benefit payments could depend on the truthfulness of your answers during your tool and exam.
What Happens After The Exam?
If the results of your medical exam dont turn out how youd like, shop around.
There are also policies available that do not require medical exams.
Weisbarts overall advice is to not let the thought of a medical exam keep you from buying life insurance.
When you log into your bank account, how do your savings look?
Probably not as good as youd like.
It always seems like an uphill battle to build (and keep) a decent amount in savings.
But what if your car breaks down, or you have a sudden medical bill?
