How to Prepare for a Term Life Insurance Medical Exam
Congratulations! You've made the responsible decision to purchase a term life insurance policy. Now what? If you have applied for a medically underwritten policy, the next step is to complete a medical exam so your insurance carrier can assess your health status. Remember that a term life policy is for a specific period of time going into the future? Your insurance carrier will base their quote on the likelihood of something happening to you in that period of time.
While they can't predict things like tornadoes, or life-threatening accidents, they can evaluate how likely you are to acquire certain life threatening diseases, such as heart disease or Type II Diabetes, based on your health history and the results of your medical exam. They will establish a premium price that's in alignment with your current health status.
Can I Prepare For a Term Life Insurance Medical Exam
Yes! There are things you can do to prepare for the medical exam in order to get the best results possible. If you are reading this before you have decided to purchase a life insurance policy - now is the time to take an overall health assessment and start living your best life. Throw out those fast food wrappers, grab that sweat band, and head for the trails. It's time to start eating healthier and exercising so you are in the best physical shape when you're ready for your term life insurance medical exam.
What Is Involved In a Term Life Insurance Medical Exam?
You can put down your car keys because a professional medical technician will come to you at your location of choice. And while you're at it, put away your wallet because this is a completely free medical exam. It is 100% paid for by your term life insurance carrier.
The medical exam generally includes:
a full description of your medical history
the traditional pulse count blood pressure measurement
urinalysis (urine sample)
height and weight measurements
An ECG/EKG (if necessary)
All of that is usually completed in just about 30 minutes.
How Can I Prepare For a Term Life Insurance Medical Exam?
You want to start planning at least a day ahead of your exam. Our bodies are complex and very efficient machines, for the most part. However, certain chemicals and food products can take longer to filter through the system than others. Here are some things you can do to get the best and healthiest results during your exam:
1)The Days Before:
Avoid consuming alcohol. The only chemicals you want to show up in your blood or urine samples are the ones that you've listed on your health forms, or will verbally acknowledge during your medical exam.
Eat Well. Deep fried foods, anything high in fats, cholesterol, salts, or sugars can alter results - and not in your favor. Eat lots of fruits and vegetables and low-fat foods.
Drink Water. As much as possible, drink water and avoid other types of beverages. Water hydrates you, energizes you, and you detoxify. Any chemicals that may be lingering in your system will be flushed out.
Take a break and avoid strenuous exercise. Or, take it down a notch and enjoy a moderate version of your normal workout. If you are one of those people who lives to work out, then you will have to restrain yourself and run five miles instead of ten today in order to avoid unnecessary strain on your heart and body. You don't want to pull a muscle or throw your back out the day before you're supposed to be presenting the healthiest version of you.
Get a good night's sleep so you are well rested and energetic.
These tips can help you get the best results you can from your term life insurance medical exam. The more positive the results, the less your premium will be. Good Luck!
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