Preparing for the Life Insurance Test

Many life insurance policies in Blacksburg, VA require a medical exam. An exam will typically be preformed in your office or home at the expense of the insurance company. It only takes about 30 minutes and there are some ways to make the process go much smoother.

Have your paperwork and answers ready. You’ll be asked for a photo ID, along with the names of any former and current doctors. You will be quizzed about your health, inducing medications, vitamins, whether you drink or smoke, or have dangerous pastimes. Don’t lie during this part of the exam or else your insurance could become invalid.

Start preparing a week in advance. Start drinking a lot of water before your appointment, since it will help clean toxins from your system. Drinking a lot of water also makes it easier to get your blood drawn. Skip the drive thru and focus on a diet with lean proteins, good fats, and leafy vegetables. Avoid stressful situations a few days before the test, since stress can elevate the blood pressure. If you are nervous about the exam, ask to have blood pressure taken last. Explain to the examiner that medical tests make you nervous and can elevate blood pressure. Also be sure to cut out alcohol and caffeine three days before.

The day of your exam, limit any extreme exercise because this can mess with your cholesterol levels and may elevate protein levels in the urine. If there are high levels of protein in the urine, the insurer will want to recheck the levels. Get a good night’s sleep, especially if you are on the borderline for blood pressure.

If you are working with a private insurer, such as Dove Insurance Agency, then there may be plans that don’t require a life insurance test and you can work with an agent to get the best rate.

Contact Dove Insurance Agency, serving Blacksburg, VA, to get a quote on life insurance.