15 July 2013 0 Comments

Putting Your Best Foot Forward

healthy livingIf you are about to have a medical exam in order to qualify for life insurance, you’ll want to put your best foot forward to qualify for the best possible premiums. Here are some tips on how to do that:

  • Get a good night’s sleep the night before the examination
  • Abstain from alcohol for at least 12 hours prior to the exam…longer if you have a history of alcohol abuse
  • Do not smoke or chew tobacco for at least one hour prior to your examination. If you are an occasional cigar smoker who is attempting to obtain a non-tobacco user premium, make that a five day abstinence
  • Avoid drinking coffee, tea or caffeinated soft drinks for at least one hour prior to your exam
  • Limit salt intake and high cholesterol foods 24 hours before the exam
  • Drink a glass of water about an hour before the exam to help in obtaining a urine specimen
  • To prepare yourself for the blood draw, you should fast for 8 hours prior to the exam
  • Inform the examiner if you have experienced lightheadedness with blood draws or you are taking high doses of aspirin
  • Avoid strenuous physical activities 24 hours before the exam
  • Just prior to having your blood pressure checked, take a deep breath let it all blow out and think about your favorite place to be.

Check with your agent prior to the exam to see how close you are on weight before moving into the next higher or lower premium class. If you are close to being charged more based on weight, you will want to pay special attention to your weight prior to the exam. Set the date for the exam a week off and reduce caloric intake during that time. Take a glass of Metamucil the night before in order to assure a healthy evacuation prior to the exam. Wear light clothing and remove shoes and all items from pockets before stepping on the scale.

If you’re not sure how to proceed because of a medical history, you may want to try an Informal Inquiry…and that’s where we go next.

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