Insurance Physical Exam, Preparing for Life Insurance Physical

This article discusses insurance physical exam, preparing for life insurance physical. Control the situation. Presenting yourself in the best possible way is neither deceptive, illegal, nor questionable. It also can save time, money, and frustration.

Recommendations:
Have the testing done at your convenience.
Do it when you feel best. Early mornings are good since most people are relaxed then. It does not take much time out from a busy workday, and it's easier to fast then if blood tests are required. See insurance physical for more information.

If you have to be tested in the afternoon, avoid caffeine and don't eat heavily during the day. If you have coffee, make it decaffeinated.
Limit your intake of salt for several days before the physical. Avoid alcohol for at least 24 hours. Both can raise your blood pressure.
If you're a nonsmoker, make sure the examining physician knows it. Reason: Premiums are lower for nonsmokers who meet a specific height and weight standard. (If you do smoke, go "cold turkey" for two hours or more before the exam.)
See your personal doctor before the exam to make sure there'll be no surprises. If there is any sensitive medical or physical information in your records, ask your doctor exactly what you should tell the insurance company. Reminder: Health questions asked at the examination could be confusing or embarrassing. Get a copy of these questions beforehand and prepare your answers.

If you take any medication regularly, stick to the regimen. The insurance company will know about it anyway. Maintaining the treatment correctly will keep all test results in line.
If you feel tired or ill before the physical, cancel it. Don't worry about delaying the process. The most important thing is to feel relaxed and healthy when you take the exam.

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Can't pass the life insurance physical? Don't give up-there may be a way.
Find an agent who knows his way with insurance companies. Their standards vary on overweight, blood pressure, smoking, other medical conditions. Example: Six-foot middle-aged man weighing 270-many companies would add a big surcharge premium for his age. But one company will insure him with no surcharge at all.
The agent's job is to find the exceptional company, know how to present the application in the most favorable light. Few agents do this well. You've got to insist the agent shop for you.

If an individual policy isn't available (or only at very high cost), group policies can be found in clubs, fraternal orders, religious orders, volunteer firemen. It may pay to join a club just for the group insurance. The saving on the premium is usually more than the dues.

Source: Consumer Information Center

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