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How to Ace Your Life Insurance Medical Exam

How to Ace Your Life Insurance Medical Exam

Prepare For Your Life Insurance Medical Exam

When you are looking for the right life insurance coverage, it is not uncommon for your insurance company to require a medical exam. While they may seem bothersome, they help your insurance company gather important information that they need to decide on your insurance premiums. In general, the healthier you are, the lower your premiums will be. Consider these common issues that may show up in your medical exam that can make you look unhealthier than you really are.

  • False positives – if your medical exam will include a drug test, there are some foods that you should stay away from to ensure that you do not get a false positive. Drinking tea that contains coca leaves can lead to a false positive for cocaine, while eating poppy seeds can make you test positive for opiates.
  • Temporary high blood pressure – you may want to skip on your morning coffee before you head to your medical exam. Having too much caffeine before your exam can make your blood pressure seem like it is much higher than it actually is.
  • Dehydration – make sure to drink plenty of fluids beforehand so that you can give a good urine exam. When your body does not have enough water, it will not feel or look as healthy as it really is.
  • Drinking and smoking – alcohol and cigarettes can show up as depressants and stimulants on your medical exam, which could be indicators of more serious kidney problems. Avoid drinking or smoking before your exam to help keep your numbers where they should be.

When looking for the right life insurance policy that will best fit with your needs, contact the Insurance Agency of Dean Davis in Austin, Texas. We will work with you to ensure that you have the right amount of coverage, all at the right price.