All Posts tagged medical exam

What To Know When Applying For Life Insurance

What To Know When Applying For Life Insurance

Life Insurance Applications

Once you find the perfect life insurance policy that will provide the coverage that you need, it is time to apply. The application process can be a bit confusing, and knowing what you are getting into can help to make the process much smoother. Keep these guidelines in mind when applying for your life insurance policy.

The first step to applying for life insurance is filling out the paperwork. The life insurance application form will ask typical personal information, as well as your medical history. Make sure that you answer all questions completely and truthfully. When you turn in your application, your agent will check it against your medical records, so any questions that you were not truthful about will be easily found out.

After reviewing your application, your agent will decide if you need to take a medical exam. If you are under 40 years old and are applying for less than $100,000 of insurance, chances are you will not have to have a physical exam. However, if you are older than 40 and applying for more coverage, you will probably have to get a basic medical exam.

The paramedical service that conducts your medical exam may be mobile, and they will come to your house or office to conduct your appointment. You can also schedule an appointment at a qualified clinic that will send your results to your insurance company. During your medical exam, your medical history will be reviewed, and your physical measurements and vital sign will be taken. Typically, it will only take around 30 minutes for the entire exam.

When looking for the right life insurance policy, contact the Insurance Agency of Dean Davis in Austin, Texas. We will work with you to ensure that your application process is simple and that you have the coverage that you and your loved ones deserve.

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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.

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