Thursday, March 28, 2013

Get Ready For A Life Insurance Coverage Physical

Purchasing life insurance requires a physical to help your agent determine your level of risk and the ultimate coverage you will receive. Preparing yourself for the physical examination and tests will ensure that the insurance company receives a more accurate picture of your health. Unlike other physicals, life insurance medical exams must be done by the paramedical, nurse or doctor chosen by the insurance company, who will usually come to your home or office. Talk to your agent or the paramedical for any additional tests that might be required depending on your age, the policy sought and pre-existing conditions. According to life insurance companies and advisers, there are several steps you can take to increase your chances of having good results.


1. Talk to your agent to schedule the appointment time for the paramedical to come to your home or office. Allow one week before your appointment if possible.

2. Maintain a healthy diet low in sugars, salts and alcohol one week before the test. Abstain from all alcohol at least three days prior to the test.

3. Avoid food, products, and medicines that contain stimulants such as caffeine, nicotine or decongestant drugs for 24 hours before and up until the test to ensure that your blood pressure does not register as elevated during the test.

4. Save strenuous exercise for the day after the test; avoid it for 24 hours before the medical exam to prevent artificially elevated protein levels in your urine.

5. Abstain from eating and drinking (except for water) 8 to 10 hours before the test to accurately assess your blood sugar and fats levels.

6. Relax and get a good night's sleep the night before the test to avoid being tired when you take it.

7. Give your medical form to the paramedical at the test. Expect him to take blood and urine samples, assess your blood pressure and pulse, record your height and weight, and possibly take an electrocardiogram (EKG).

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