One of the most important steps when obtaining a life insurance policy is the medical exam. If you're in excellent health, you should have nothing to worry about, but you should note that something as simple as an abnormal blood pressure reading can make the difference between the lowest premium and something more expensive.
It is important to be at your healthiest for your medical examination. To help you achieve that, we offer the following suggestions:
- Avoid taking unnecessary over-the-counter medications – Pain medications and nasal decongestants may taint your blood or urine samples, so you should stop using them at least 12 hours before your exam. Prescription medications, however, should be take taken as directed, but make sure that you have information about the drugs available for the medical examiner to review.
- Cut back on exercise – Yes, you're trying to show a life insurance company that you're in the best shape possible, but strenuous exercise just hours before an exam can do more harm than good. You don't want to hurt yourself or allow your heart rate to appear abnormally high.
- Limit your food – You should fast at least eight (preferably 12) hours prior to your exam. In addition, you should avoid high-fat and salty foods and caffeinated beverages for at least a day before your appointment. It is okay, however, to drink water. It will hydrate you and flush out any lingering toxins.
- Schedule the exam for the morning – Having a physical in the morning immediately after a good night's sleep will help you be more calm and keep your stress levels down.
With these tips, you may be able to qualify for a life insurance policy with competitive rates. For a term life insurance quote, visit LifeInsure.com to find out which life insurance policies you may be eligible for.