Term Life Insurance Articles
How To Prepare For A Term Life Insurance Medical Exam
2010-10-04
Term life insurance policies usually require a basic medical exam prior to the insurance company writing or agreeing to coverage. These examinations usually take place at the insured's home, but are performed by qualified nurses and are, therefore, no less rigorous than physician office examinations. As such, it is essential to prepare for these visits.
Prior to the term life insurance medical exam, individuals should refrain from tobacco and alcohol. Tobacco use is a main cause of individuals being denied term life insurance, and alcohol use may show up in the blood stream and alter blood chemical levels.
An individual should also refrain from ingesting any unnecessary medications prior to the medical exam. The term life insurance medical examiner will inquire about whether you take any medications. This inquiry is designed to identify any permanent or severe illnesses you may have that may not be able to be managed through medication. Unnecessary medications may raise red flags about your health and cause the insurance company to question why you are taking them and whether you have other conditions you did not disclose.
Vitamins and herbal medicines may not have the same effect as medications. However, they should still be used with caution prior to the medical exam as they may raise questions about an individual's overall health. It is, therefore, up to the individual whether or not to discontinue taking vitamins and herbal medicines.
Many times term life insurance medical examinations require you to fast prior to blood and other tests. If this is the case, make sure that you follow the directions provided to you so that the tests will be usable and not need to be repeated. It might be advisable for you to schedule the medical exam early in the morning so that you are not too hungry. Moreover, some medical exams require the potential policy holder to abstain from any medications prior to the exam. While this is unusual, it is a factor that should be considered when scheduling the exam.
Remain hydrated prior to and during the exam. Along with blood tests, the medical exam will consist of a urinalysis. The prospective policy holder will need to provide urine to the examiner. While fasting may be required for the exam, most exams do not require an individual to forgo water prior to the exam. Note that coffee, though, is considered a food and is usually on the list of foods from which to abstain.
Following directions for the medical exam for a term life insurance policy can increase the chances of the policy being approved. Thus, thoroughly consider when would be the best time for you to take the exam.
Free Insurance Quotes
Term life insurance policies usually require a basic medical exam prior to the insurance company writing or agreeing to coverage. These examinations usually take place at the insured's home, but are performed by qualified nurses and are, therefore, no less rigorous than physician office examinations. As such, it is essential to prepare for these visits.
Prior to the term life insurance medical exam, individuals should refrain from tobacco and alcohol. Tobacco use is a main cause of individuals being denied term life insurance, and alcohol use may show up in the blood stream and alter blood chemical levels.
An individual should also refrain from ingesting any unnecessary medications prior to the medical exam. The term life insurance medical examiner will inquire about whether you take any medications. This inquiry is designed to identify any permanent or severe illnesses you may have that may not be able to be managed through medication. Unnecessary medications may raise red flags about your health and cause the insurance company to question why you are taking them and whether you have other conditions you did not disclose.
Vitamins and herbal medicines may not have the same effect as medications. However, they should still be used with caution prior to the medical exam as they may raise questions about an individual's overall health. It is, therefore, up to the individual whether or not to discontinue taking vitamins and herbal medicines.
Many times term life insurance medical examinations require you to fast prior to blood and other tests. If this is the case, make sure that you follow the directions provided to you so that the tests will be usable and not need to be repeated. It might be advisable for you to schedule the medical exam early in the morning so that you are not too hungry. Moreover, some medical exams require the potential policy holder to abstain from any medications prior to the exam. While this is unusual, it is a factor that should be considered when scheduling the exam.
Remain hydrated prior to and during the exam. Along with blood tests, the medical exam will consist of a urinalysis. The prospective policy holder will need to provide urine to the examiner. While fasting may be required for the exam, most exams do not require an individual to forgo water prior to the exam. Note that coffee, though, is considered a food and is usually on the list of foods from which to abstain.
Following directions for the medical exam for a term life insurance policy can increase the chances of the policy being approved. Thus, thoroughly consider when would be the best time for you to take the exam.
