قالب وردپرس درنا توس
Home / Insurance / How to prepare for a life insurance medical examination

How to prepare for a life insurance medical examination



Wondering how to properly prepare for an insurance medical examination? We can help.

If you're one of the rare people who enjoyed taking their exams during school, congratulations and tell us your secrets. For the rest of us, exams are still nightmares, even long after we graduate. We have all had these thoughts invade our sleep: You sit down for the lesson, and you realize uh-oh, today is the big test. And I did nothing to prepare for it. I'm also naked for some reason. Then you wake up and everything was just a dream. (Thank goodness.) Sounds familiar?

Well, we have good news: Getting your life insurance medical examination is nothing like. Sure, it's about reviewing your health and medical records, but it's not like you need to know any math or the history of the Thirty Years' War. And while you can buy life insurance without a medical examination (including from Haven Life), you often get a better interest rate if you take one.

With that said, you may be wondering if you can actually prepare for a life. insurance medical examination. The short answer is yes. The longer but still short answer? It is in this article, where we explain the medical examination process for life insurance, and give tips on how to prepare for a life insurance examination.

In this article:

The trial

If you receive a medical examination for life insurance coverage from Haven Life, you can have the examination performed at home, at your workplace or in the office of the company conducting the examination. It is up to you where you want to do your medical examination.

Due to COVID, Haven Life currently allows applicants to wait up to 120 days after applying for life insurance coverage to take their medical examination, so if you apply now, you may be able to get coverage within 15 minutes online and then have four months on you to plan your medical physical examination.

For the examination itself, you will give fluids (through a blood test and a urine test) and have other aspects of your health – such as your blood pressure – controlled. It is not invasive and does not seem to be that different from a regular doctor's visit. Life insurance companies and agencies take an overall picture of a person and their health and look at all the results from cholesterol and kidney function to liver function and other types of health. If you have an underlying health problem such as kidney disease, heart disease or high cholesterol, this can affect your life insurance application, premium or approval. You will be asked about prescription drugs and family history, so it is good to have that information on hand, along with contact information for your doctors.

Some FYI: Since the examiner will perform a blood test, consider wearing short sleeves or something with sleeves that can be easily rolled up. Your life insurance company will also do what is called a MIB check – basically see what information other insurance companies may have about you. And if you have had a medical examination for another life insurer in the last 12 months, ask the life insurance company or agency you are currently applying to if you can use these examination results instead of requiring you to have a new physical examination.


How to prepare for a medical examination for life insurance

Improve your health?

By and large, the better your health, the less you pay for life insurance. So if you know you have a life insurance test on the way, it would be good to improve your health, right? Lose a few pounds, try to lower your cholesterol, pump some iron … that kind of thing.

Unfortunately it does not help. "Insurance companies like to look at stability," says Kristen Wilson, an insurer at Haven Life. “Something may have changed in recent months, but we usually take on average information from the past year when we make a decision. For example, if someone has lost weight in the last 12 months, we add half of it again when we make our assessment. In other words, when preparing for a life insurance survey, there is no useful equivalent to squeezing. does not help you, what does it do? The short answer is "All in moderation," says Wilson. “Avoid alcohol before the test, make sure you are well hydrated so that your kidneys do not work to filter out proteins and such. We do not recommend a really strenuous workout within 24 hours before the examination, because then your body tries to recover and it can affect the laboratory results, she adds.

Also try to be calm before the test. "Let's say you crash your car just before the test – it's a super stressful situation that can affect your blood pressure," says Wilson. “We recommend that you take 15 to 30 minutes before the test to just relax. I recommend that you do everything to help you relax before the test who does not drink a beer. "Also," you should have a normal heart rate. Of course if you just jogged over to the test, your heart rate will be elevated. The same if people drive there and they are super stressed and stuck in traffic. "

So this is a way to Preparing for an insurance medical examination is like preparing for other tests – it is much better to be early than late. In addition, the preparation is minimal. The test itself does not take much time or effort, especially considering what life insurance offers: financial protection for your family if the worst were to happen in the future, plus peace of mind here and now.

Our editorial policy

Haven Life is a customer-centric life insurance agency supported and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). about life insurance, your personal finances and your general well-being can be refreshingly simple.

Our editorial policy

Haven Life is a customer-centric life insurance agency supported and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual)). We believe that navigating life insurance decisions, your personal finances and general well-being can be refreshingly easy.

Our content is created for educational purposes only. Haven Life does not support the companies, products, services or strategies discussed here, but we hope they can make your life a little less difficult if they suit your situation.

Haven Life does not have the right to provide tax, legal or investment advice. This material is not intended to be provided and should not be relied upon for tax, legal or investment advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

Our information

Haven Term is a term Life Insurance Insurance (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual. Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Life Insurance Issue (ICC19PCM-SI 0819 in certain states, including NC) issued by C.M. Life Insurance Companies, Enfield, CT 06082. Numbers and functions for insurance forms and riders may vary by state and may not be available in all states. Our California license number is OK71922 and in Arkansas 100139527.

MassMutual is ranked by A.M. Best company as A ++ (Superior; top category 15). The rating is from Aril 1, 2020 and may change. MassMutual has received different ratings from other rating companies.

Haven Life Plus (Plus) is the marketing name of the Plus Driver, which is part of the Haven Term Policy and offers access to additional services and benefits at no cost or at a discount. The driver is not available in all states and is subject to change at any time. Neither Haven Life nor MassMutual is responsible for the provision of the benefits and services made available under Plus Rider, provided by third party providers (partners). For more information about Haven Life Plus, visit: https://havenlife.com/plus.html

You may also like



  •   who need a 500,000 lifetime policy



Get our most read stories, twice a month

  • Quick and easy process.

  • Exactly as advertised. Easy and fast.

  • We do not get younger and it is fantastic to have the peace of mind that life insurance can provide. Financial stability for my family is very important to me. I shopped and researched before deciding on HavenLife. I could not beat the simple and easy process. The best part was that I did not have to sacrifice the cost of convenience.

  • Unique and excellent benefits are included in our term insurance. It makes our lives so much easier!

  • The process was very easy and painless. Excellent customer service too! Glad I went with them.


Source link