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How to pass a medical exam life insurance

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How to pass a medical exam life insurance -

If you want to get the most affordable type of life insurance, be prepared to undergo a medical examination. Before you issue a policy, the life insurance companies must first determine if you are prone to diseases such as diabetes, heart disease, stroke, cancer, etc.

A paramedic company working with your carrier will be sent to a certified medical professional (a paramed) to perform medical tests and send the results to the insurer of the company. The subscriber will then evaluate the results and determine if it is in their best financial interest to make sure. This risk assessment determines your life insurance rates. The biggest risk you pose, the more your premiums until the company decides it can not cover you at all.

The following will give you a solid idea of ​​how you need to prepare when you have to take a medical exam life insurance. Otherwise, you may want to start considering a no medical exam policy.

What to Expect

As part of your medical examination, paramed measure your height and weight, your blood pressure, and collect samples blood and urine. Then the paramed confirm the answers you provided on the health questionnaire you have completed as part of the application for life insurance.

The paramed measure your height and weight, your blood pressure and collect blood and urine.

Some insurance companies require an EKG to test your heart, especially if you are 50 or older. Most insurance companies will also carry a specific antigen (PSA) for prostate on male candidates over 50.

Finally, if you are a smoker or a tobacco user, be honest and admit because companies are testing for cotinine in your system, a chemical that will tell you use tobacco. Medical examinations same test for drug abuse, such as marijuana and cocaine.

Steps to take an exam

Program the examination for the early morning. Because you have to fast for six to eight hours before an exam, a medical examination of the morning will make that task a lot less stressful. Even a piece of fruit before the examination may read as high levels of glucose. Everything you eat beforehand can affect your blood tests and drop you from a favorite health class.

Skip your morning coffee and cigarettes. Caffeine and nicotine raise blood pressure to avoid your morning coffee and tobacco products. This can be difficult for some, but believe me, it is worth the thousands of dollars of potential savings during the term of your policy.

Drink plenty of water. Staying hydrated will make it faster and easier to donate blood. Drinking water will also help to give a urine sample.

Do not eat salty or fatty foods. Cholesterol and blood pressure test results may be affected. For best results, avoid salt and excess fatty foods for five to seven days before your exam; However, 24 hours is the minimum time recommended.

Avoid excessive exercise . Conserve energy for 24 hours before your exam. Stay away from the gym and avoid intense cardio. Exercise can increase your blood pressure and pulse.

Avoid alcohol and drugs. refrain from drinking alcohol and taking drugs, including tobacco and marijuana. Alcohol can leave you dehydrated, which not only makes it difficult to draw your blood, but can also cause increased liver function.

Get plenty of sleep the night . While the value of a good night's sleep will not give you a draft own health law, sleep compensates anxiety and fear. When you are well rested, your blood pressure will be lower, leading to better results.

Having a list of all medications you are currently taking. Your examiner will ask about your medical history, including the use of prescription drugs and over-the-counter medicines.

Do not schedule an exam during a menstrual period. Women should not take a medical exam life insurance during their menstrual period, or if they have any kind of vaginal discharge because it can contaminate a urine analysis.

Let the examiner know if you have an aversion to needles or medical tests. There is no need to submit to high levels of anxiety for this review. If you are anxious, your blood pressure results of tests indicate health problems. Talk to your reviewer and explain your concerns. They can note your fear or phobia on file for review by the insurance company and underwriter.

final word

If you follow these steps for your life insurance medical exam, you will feel calm and prepared, and able to achieve the best results, which increases your chances of getting low rates.

on the left hand you are denied coverage, do not give. You can choose to improve your health with a balanced diet, regular exercise and control of any medical problems (ie diabetes) or decide to reapply for a transmitting life policy guaranteed.

Although more expensive, the insurance guaranteed life is a non-medical type of coverage. Due to its high and limited amounts of death benefit premiums, it should be a last resort. Your first and best option will most likely be traditional term life insurance.

The point is, never feels not hopeless. There is always a life insurance policy available to ensure the financial future of your family.

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