Saving You Money For Life

Most life insurance companies expect you to take a medical exam before writing you a term life insurance policy. The results of the medical exam will determine which insurance rate class you qualify for. By properly preparing for your medical exam, you can ensure that you qualify for the most inexpensive life insurance policy out there for your specific needs. In order to avoid abnormal test results, I have provided a few tips below to make sure you are prepared for your exam.

First, prepare to spend about 30 minutes with the nurse for your complete exam.

The week before your exam

• Eat healthy by avoiding foods with high salt and sugar content.

3 days before your exam

• Avoid drinking alcohol for 72 hours before your exam. If you do drink, your liver enzymes may elevate causing abnormal test results.

The day before your exam

• Avoid caffeine products – they will cause your blood pressure to rise.
• Do not take any pain medication.
• Participate in minimal exercise. Strenuous activity will cause elevated protein in the urine.
• Do not eat or drink anything 8 to 10 hours prior to the exam.
• Get a good night’s sleep.

The morning of your exam

• Don’t eat breakfast.
• Avoid tobacco use of any kind.
• Prepare a list of your doctors and their contact information.
• Relax.

By following all of these tips, you can avoid any inaccurate readings that would make your life insurance policy more costly.

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