There is little doubt that the medical exam will play a paramount role in the premiums you pay for life insurance coverage. Basically, getting the best results on the life insurance medical exam will mean getting the lowest rates possible so that you can get the amount of coverage that you want. Of course, the preparation for a life insurance medical exam is not one that you can study for overnight like cramming for a test as you must take enough lead time to ensure that you get the best results.
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The examination must be taken by those who want the lowest life insurance rates possible. Those that opt for a no examination insurance policy where they only have to answer questions will pay considerably more than a healthy person who takes the exam.
Each life insurance company has their own set of requirements that you must meet so that you can take the examination. In general, the cost of the exam runs between $50 to $100 and is shouldered by you or your premiums as that will be included in their cost. So, the exam itself does not cost you anything out of pocket. If you fail the exam outright and cannot be insured, you may wind up having to pay or not depending on their policies.
Whatever documents you bring may include your last examination. However, you may not need any documents at all in order to take the medical examination.
How Do You Get the Best Results in a Life Insurance Medical Exam?
The sooner you start in preparing for the examination, the better as you will have the time to make the most improvements. Obviously, you’ll want to be in the best shape possible, but with only several days lead time you will not be able to lose a large amount of weight. However, there are things that you can do to make the most out of your efforts.
Eat Your Vegetables: You can really improve your blood work by eating a lot of leafy green vegetables such as spinach, kale, broccoli and salads. Also, avocados, apples, oats and orange juice will actually improve your HDL cholesterol count as well which will definitely make a positive impression. However, you will want to watch your sugar intake.
Avoid Processed Foods: These are foods which are loaded with salt and sugars that you find at fast food places. Foods that are high in sugars will elevate your blood sugar levels and create issues with your results.
Drink Plenty of Water: Water is a natural detoxifying liquid that will flush away the toxins from your body and actually make it easier for the doctor or nurse to draw blood. In addition, avoid caffeinated drinks such as coffee which tend to dehydrate the body.
What Not to Do Before the Exam?
Obviously, you should engage in any endeavor that would mess up your blood work which means that you should eat healthy. In addition, you do not want to do any heavy exercising before the exam either because this might negatively affect your blood sugar levels.
Also, be sure to avoid alcohol, smoking and any products that contain nicotine. Even if you are a confirmed smoker, and lowing the levels of nicotine in your system will provide a better result for your exam.
How to Prepare the Day of the Exam?
Now that the examination day has arrived, you’ll want to be properly prepared so that you are fully ready for the test.
- Wear comfortable clothes
- Choose a relaxing location
- Fast for 8 hours before the exam
- Most importantly stay calm and relax
Your clothes should be comfortable and lightweight as well since even a pound may make the difference in determining your premiums. Plus, you’ll want to choose a place that is comfortable for you, such as your home if possible or a location that will minimize the stress. Fasting before the exam will ensure your blood work is not affected by excessive blood sugar.
What to Do During the Exam?
Basically, a typical exam will involve drawing blood, taking a urine sample, and your blood pressure. There will also be questions about your health history so that the insurance company will have a complete picture. There may be additional requirements that are spelled out by the insurance company as well for your physical exam for life insurance.
The examination itself generally does not take very long, running about 10 to 20 minutes on average depending on the questions that are asked. However, the physical examination is usually fairly quick unless it is more extensive than normal. This means that the duration of the life insurance medical test process may be around 5 to 10 minutes for the collection of samples, blood pressure check and so forth.
What Happens After the Examination?
If you have done the proper preparation for life insurance medical exam, then you should not worry too much about the results. Generally speaking, it can take a week or longer for the results to come in because the samples will have to be tested.
You can ask for a copy of your life insurance physical exam from the insurance company after it has been completed. It will be good for you to know where you succeeded and where your health may have some issues. If you did far more poorly on the physical exam for life insurance, especially if it cost you getting a better premium, then you will want to retake the test at a future point.
Where and how much you missed by will be very important factors in taking the examination again, especially if you want to improve upon the results of the tests. You will need to allocate enough time to get into the right shape and correct the issues that held back your results before. If you only missed just barely and that was due to something that you can correct quickly, then you might want to take the test sooner.
All in all, you will need to properly prepare for your medical examination in order to get the best results that are possible.