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doctor with patientWhen applying for life insurance, the insurer will often require you to undergo a medical exam in order to determine your current health and if you’re prone to certain illnesses that may shorten your lifespan. The results of this exam are delivered to the insurer’s underwriter, who uses the data to assess the risk of insuring you, which directly impacts your premiums. A person in good health will generally pay less, while a person in poor health will generally pay more for comparable coverage.

However, some people succumb to stress and anxiety at the thought of an impending medical exam that could affect their budget for years to come. Luckily, there are steps you can take to prepare for the exam so you will be able to achieve the best possible results. Just follow these tips.
  • Schedule the exam early in the morning: The medic will take a blood sample and anything you consume can affect the numbers. Even a cup of coffee can elevate your blood pressure. It’s best to fast for at least six hours before a blood test and scheduling the exam for the morning makes fasting easier on your body.

  • Get a full night of sleep: Your blood pressure is lower after getting a solid seven to nine hours of sleep. Find a way to relax the night before so you wake up well-rested, which can lead to better test results.

  • Avoid alcohol and drugs: While alcohol is perfectly legal, it can dehydrate your body and affect test results. However, if your results show any sign of drug abuse, you could be denied coverage.

  • Avoid salty and fatty foods: Eating healthy for a few days before your exam gives you the best chance for better cholesterol and blood pressure numbers, which indicate your heart health.

  • Be honest: Admit it if you’re a smoker, even though it means higher premiums. Lying can be caught during the exam; but even if it goes unnoticed, your coverage can be dropped due to insurance fraud if your habit is caught at a later date. Additionally, be upfront about any medications—prescription and over-the-counter—that you take regularly.
Get a free quote today. Call First Insurance Group at (800) 511-2892 for more information on Frankfort life insurance.
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First Insurance Group
Main Office 2520 South Highway 27 | Somerset, KY 42501 | Phone: (606) 679-3570
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