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How
to Pass a Medical Examination for Life
Insurance
A
medical examination is just like any other
test you'd have to take in school, work or
life in general. You have to do your
research and prepare yourself physically,
mentally, and psychologically to guarantee
success.
Here
are several ways to ensure that your
medical examination for life insurance
will start, proceed, and end
smoothly.
After
applying for life insurance, review your
schedule for the week and try to determine
all the possible dates and time that you
are available to take your medical
examination.
You'll usually
receive a call from the paramedical
examiner assigned to handle your
application within one to three days. If
you receive no call during that time, you
may contact your insurance agent and
inquire about the delay.
When you do receive the call, the
paramedical examiner will then inform you
about the need to take a medical
examination for life insurance, what
things or documents you may need to bring
to the scheduled examination, and when you
can expect to receive the results. He will
naturally ask you as well when it's best
for you to take the medical examination
for life insurance.
Morning
is generally considered as the best time
to have your medical examination for life
insurance. The earlier the better because
your paramedical examiner will be able to
focus on your test as there tends to be
fewer clients in the morning.
In
most cases, you will be required to pay a
visit to a certain clinic or hospital. You
may of course request the person to make a
house call if certain circumstances
prevent you from leaving your home. If
you're not familiar with the hospital or
clinic you're supposed to visit, make sure
that you ask your examiner for detailed
directions.
There
is no escaping the medical examination for
life insurance so it's a process that's
best done as soon as possible.
The
day before your scheduled appointment,
make a confirmation call to your examiner
to ensure that your meeting the next day
is still on. Review the list of items
you've been required to bring. If you're
asked to take a copy of your photo with
you and you don't have any extra ones
left, take care of this at least two days
prior to your scheduled examination. Make
sure that you're dressed appropriately and
using a suitable background in the
photo.
Tips
for Passing the Medical Examination for
Life Insurance
If
your examiner has informed you earlier on
that you'll be required to provide him a
urine sample, make sure that you drink a
glass of water at least sixty minutes
prior to your scheduled examination. This
will make it easier for you to give the
requested sample and for the quantity
desired.
Any
product that contains caffeine usually has
undesirable effects on a medical
examination for life insurance. Coffee,
tea, and soda are just some products that
contain caffeine and which you're required
to abstain from for the time being. The
sooner you commence your temporary
abstinence the better your chances will be
of passing your medical examination for
life insurance with flying
colors.
Believe
it or not but nasal decongestants -
although produced for your comfort and
safety - may not reflect well on a medical
examination for life insurance. If you're
taking nasal decongestants prior to your
scheduled examination, consider switching
to an alternative treatment for the time
being.
Foods
that are rich in salt, cholesterol, fats,
or sugar are to be avoided at all costs
until your scheduled examination. Over
consumption of salty foods might make it
seem you're suffering from kidney
problems. Overeating of foods that are
rich in cholesterol, fats, or oils may
make it seem you're suffering from
hypertension or heart problems. And eating
too many sweet things might make it seem
you're in danger of being
diabetic.
Lastly,
a medical examination for life insurance
may require you to do certain tasks by
your own. If there's something you don't
understand, don't hesitate to ask for
directions because accidentally or
unintentionally doing something wrong
could compromise the results of your
medical examination for life
insurance.
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