Do I Need To Take A Medical Exam Before Purchasing A Life Insurance Policy?
If there’s one question it seems that everyone has when it comes to term life insurance, it’s whether or not a medical exam is required.
After all, how many times have you heard about a no-exam required policy? Sounds like the logical choice right?
Here’s why you may want to think twice before skipping out on a medical exam before applying for life insurance coverage.
Why Not Just Skip the Exam?
Want to qualify for the most affordable premiums?
If so, it’s in your best interest to go ahead and take the medical exam. While overlooking this requirement might seem attractive on the surface, it isn’t going to do you any favors in the long run.
The best providers with the most affordable options are going to want to know the status of your health. After all, unlike other types of insurance, life insurance is primarily based upon your identifiable risk status in regards to your personal health.
3 Must-Know Tips Before Your Exam
So how can you best prepare for the exam?
While leading an active lifestyle along with adopting a nutritionally balanced diet is the best way to prepare, there are a few things that you can do in the weeks leading up to your exam.
1.) Have your paperwork ready to go
First and foremost, be prepared to get your paperwork together before the day of your exam. You’ll want to make sure that you have your ID along with a list of current and former doctors, including phone numbers and addresses. In addition, you will also want to keep in mind that you will be asked a number of questions regarding your current state of health. From your alcohol consumption to whether or not you engage in dangerous activities such as skydiving.
2.) Monitor your health beforehand
Want to make sure that you’re able to get the best results from your exam? Start preparing beforehand. Experts recommend that a week before your exam drinking at least 8 glasses of water a day. In addition, it’s also recommended that you skip out on the fast food and excessive alcohol consumption right before your exam, as neither will do you any favors. Also, be sure to avoid any sugar binges to keep your blood sugar levels at bay.
3.) Prepare to fast at least 8 hours prior
Don’t worry, taking a medical exam for life insurance coverage won’t require any excessive amount of fasting. However, you will need to be prepared to fast for at least 8 hours prior to the start of your exam. In other words, you won’t be able to go for any night snacks the day before your exam and you’ll also need to plan to delay breakfast until after your exam. What happens if you forget to fast? You run the risk of raising your blood sugar levels along with your blood pressure levels, which will not bode well for you come exam time, so just say no to those tempting treats.
Still have questions you need to be answered?
Luckily, we can help.
For more answers to your questions, don’t forget to head over to our Term Life Insurance FAQ
Featured image via ccjdigital
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