Going to the doctor is something we would most likely avoid. Yet, in buying life insurance, whether it is term life insurance or whole life insurance, you will need to undergo a physical exam.
Here is what you can expect from your physical exam:
Most exams can take place in your home or office. Often they are conducted by a paramedical that works on a contract basis with the life insurance company.
For people of all ages the paramedical will likely ask you for:
* Medical history
* Height and weight
* Blood pressure and pulse
* Blood and urine samples
Depending on your age or the value of your policy additional information or tests may also be asked for. More items are generally included if you are older or have a more valuable policy. Tests you could be asked to perform for example:
* EKG exam
* A complete physical exam by a doctor, as opposed to a paramedical
* Treadmill test (cardiac stress test)
The results of your medical exam will affect the rates you pay for insurance. Therefore, it’s important to do what you can to make sure you give the examiner a good portrayal of your health.
A few tips for preparing for your exam:
* Schedule a morning exam, when your body is at its best.
* Avoid eating near the time of your exam and avoid salty or cholesterol-laden food in the days before the exam.
* Drink lots of water.
* Get a good night of sleep.
* Save your workout for after the exam.
* Don’t drink alcohol for24 hours before the exam. It’s best not to use tobacco at all, but at least avoid it in the time leading up to your exam.
* Avoid caffeine before the exam.
* Avoid sleep medications or decongestants before your exam.
