Worried about taking out your life insurance? We can help with that. This article will explain the life insurance process and provide information to help you know what to expect. Read on for our best tips and advice on life insurance surveys.
What to Expect
When planning a life insurance survey, you will be asked about your health history, medications you are taking, and information about new medical treatment you may have received. You can take the exam at home, at your workplace or in the office of the company that performs the exam. It takes between 20 and 30 minutes, and the experience will resemble an annual physical examination by your doctor. You do a blood test and urine test, check your vital values and your height and weight are recorded. The physical examination is quite simple and not very invasive.
Now, before we go into life insurance tips for medical examinations, let's get the most obvious question out of the way …
Can You Cheat?
If slugging baseball players, world champion cyclists and impossibly fast competition horses can cheat on drug tests, you may be wondering if there is any way for you to cheat when taking a life insurance medication. The answer is no. The insurer will not only look at an applicant's medical records (which are very difficult to falsify if you are not an international espionage staff), the person administering the sample will take blood and urine on the spot, so there is no way to borrow some hemoglobin from a healthier Friend.
In addition, if you managed to take a quick look at your medical test, this would have negative consequences if you die, as your insurance company would then have reason to contest the payment of your policy, an unfortunate process that will make your loss harder, not easier, for your loved ones. (And isn't losing the whole point of life insurance a little less difficult?)
Do you have it? Good. So since cheating is not an option, what are some life insurance tips you can use?
. Take the test as soon as you can …
Fact 1: You never get younger than you are today. Fact 2: In general, a younger person will pay a lower premium for a life insurance policy than an older person. Which leads us to the happy fact 3: For most people, the earlier you get a life insurance policy, the lower the premium you pay each month. (Bonus: You will also have life insurance.)
But to get the proverbial ball rolling, you have to take that life insurance test when it suits you. There is a good chance that you will also be a little healthier than in a year. (And even if not, as we explain below, there is not much you can do in the next few days, weeks, or months to get so much healthier that it will affect your life insurance levels.)
All of which means that Taking your degree ASAP is not only a way to GSD – it can also save some money.
2. … if you have not recently had a degree
If you have had a life insurance survey in the last 12 months, it is possible that you can use these test results if you apply for coverage with another provider, without having to do a new exam. Our advice? If this applies to you and if you think it is of interest, contact the insurer to see if it is even possible and what (if any) effect this may have on your tax rate.
3. Do not sweat (at least not for this)
Life insurance insurers look at the last 12 months of your health. So even if you make significant changes to your diet or exercise habits a few months before your medical examination – say, hit the gym more or lower your cholesterol – the insurer will still use on average from the last year when they make their decision. For example, if you have recently lost weight, the insurer puts back half of the weight when they make their assessment. At Haven Life, we strongly believe that people should make healthy choices whenever possible – just not for a life insurance survey.
4. So what are you doing?
At the test you want to be your best self (what health goes). To achieve this:
Adopt a healthy lifestyle:
- Avoid processed foods that are high in sodium and sugar. They can raise your blood pressure and sugar levels.
- Eat a balanced diet with portions of fruits and vegetables.
- Drink plenty of water daily.
- Consider reducing your intake of coffee, decaffeinated tea or energy drinks as too much caffeine can distort your blood test results.
- Use alcohol in moderation.
Within 24 hours after your medical examination:
- Get plenty of sleep the night before your examination so that you are relaxed.
- Avoid stressful situations that can raise your blood pressure. (For example, try not to be late.)
- Do not do a vigorous workout, otherwise your body may recover while taking the test, which will affect your results.
- Wear light clothing with sleeves that can be easily rolled up. This will make it easier to check your blood pressure and collect a blood sample – and it may even save you a few pounds on the scale.
What to bring:
- Photo ID
- Write down the names and doses of medications you take
- Have your medical history on hand (doctors' names, locations, approximate dates of visits) [19659021Bepreparedtoshareyourfamilymedicinehistory
And really, that's it.
A life insurance medical examination is surprisingly hassle free, and it is well worth taking one if you want to get the best possible price for life insurance coverage. Just 30 minutes of your time can save real money each month for many years.