The healthier you are, the lower the risk for the life insurance company. This is why they usually need a medical examination before issuing an insurance policy. Good results on your survey can help you lock in lower life insurance premiums in the coming years. Get ready for your life insurance test with the following tips.
Start preparing weeks before your degree
Some simple dietary changes during the weeks leading up to your degree can make a difference in your results.
- Limit your alcohol intake. Women should limit their intake to one drink a day, and men should limit it to one or two drinks a day. More than a moderate amount of alcohol can raise your blood pressure.
- Reduce your sodium intake. Too much salt can lead to dehydration and concentrate in your urine.
- Eat healthy. The food you eat affects your blood work. Avoid sugar, processed foods, salt and fat. Eat lots of vegetables, including leafy vegetables.
Take extra steps the day before the examination
Some precautions during the previous 24 hours may help improve your test results:
- Avoid red meat and cheese. They are foods with high cholesterol.
- Avoid nicotine and alcohol. They can increase your blood pressure.
- Avoid over-the-counter medications. Antihistamines, decongestants and other over-the-counter medications can raise your blood pressure.
- Skip your workout. Every workout, especially fitness, can increase your blood pressure and heart rate. It can also increase the levels of protein in the urine and raise cholesterol levels.
- Get a good night's sleep. If you sleep well the night before your graduation, you will feel better and this will be reflected in your vital signs.
What to do on the day of your examination
When it's down to the day of your physical examination, there are still steps you can take for a better examination:
- Skip your morning coffee until after your graduation. You should also avoid tea, soft drinks or caffeinated beverages.
- Drink lots of water. This makes it easier to provide blood and urine samples.
- Wear light clothing. Heavy clothing can affect your weight, and it can affect your class.
- Consider fasting. When planning your physical question, ask if you should fast for eight hours before the exam. Fasting can help you improve your glucose and cholesterol levels.
- Avoid strenuous exercise. It can raise your blood pressure.
- Empty the bladder and keep your feet on the floor. Avoid having a full bladder or dangling legs during your blood pressure reading, as both can raise your blood pressure.
What to Expect with a Life Insurance Survey
Your insurance test consists of an interview and a physical examination. The examiner will review the statements you made in your application about your medications and any health conditions. You may be asked to provide contact information for your doctors.
In the physical examination, your weight, height, blood pressure and heart rate are taken. You will probably take blood and be asked to give a urine sample. If you are 50+, you may need an ECG.
Our knowledgeable agent will be happy to answer any questions you may have about life insurance.