It can be stressful going into a life insurance medical exam as it can play a huge role in what type of coverage you’re going to get. Because of that stress, you can end up with results that aren’t truly reflective of your health.
Also, remember, that medical exams are not always necessary these days. Many newer companies realise that it's pretty old school to ask for one, us included! 👋 We want the process of life insurance to be easy for everyone and want to bridge the gap of those who can and cannot usually get it.
However, if you've decided on life cover with a company that asks for it, here are 12 tips to think about while preparing for your exam.
1. Have the examination at home
People are usually more relaxed and comfortable at home. That could directly help with any blood pressure readings.
2. Wear light clothes
Wearing the right clothes can be important for several reasons. It allows you to have a blood test more easily but it will also stop you from overheating. Added to that, heavy clothes can also negatively affect your BMI.
3. Stand tall
As well as the right clothes, you also want to take your shoes off for your BMI weight measurement. Also, as BMI is partially worked out by your height, make sure you’re standing up straight. Slouching can take a couple of inches off from your height.
4. Avoid caffeine and alcohol
Both of these can have a negative effect on your body. Alcohol will show up in your blood results but both of them can increase your blood pressure. It’s best to avoid them for a few days before your test.
5. Stop smoking
While you need to be open and honest about your habit, an upcoming medical exam is a great time to quit. It will also help you feel better for the exam.
6. Fast (if required)
It’s important to know exactly what will be checked. Eating a large meal before your test could spike your blood sugar levels. It could be a good idea to fast for around 12 hours beforehand.
7. Eat good food
Eating healthier will help reduce bad cholesterol and improve the profile of your blood work. This is also true of eating fatty or sugary foods. These can raise your glucose levels and your blood pressure and therefore, it’s best to avoid these in the build-up to your exam.
8. Take control of the exam
You may need to have your blood drawn and that may cause anxiety. If so, ask to get it done first so you can relax. Or you could feel as though your anxiety may affect your blood pressure, ask them to leave it to the end when you have relaxed a little. Don’t be afraid to take some control over the process.
9. Sleep and drink water
A lack of sleep can lead to many health issues and increase stress. If you’re worried about the test, you may also forget to drink enough water. Having a hydrated body will also make taking a urine sample easier and aid in drawing blood.
10. Don’t exercise
It may be tempting to go for a run or engage in heavy exercise before your test but you should wait. Heavy exercise leads to an increased heart rate and also produces elevated levels of protein in your urine.
11. Be honest
Throughout your application process, it’s important, to be honest. You want to give consistent answers throughout. If you don’t disclose relevant information, there may be trouble with the claim in the future. This could include any mental health-related or even pregnancy.
The person conducting the test will use all of this information to interpret your results more accurately.
Before your examination, try to relax as much as possible. Whether this is doing a yoga session or listening to music, find what is right for you. This will help to keep your heart rate down and can reduce your stress levels.
If you find yourself becoming stressed during the examination, ask for a few minutes to be alone and relax. Take your time but try not to overthink it. The results you get are very personal and if you take a look at these tips beforehand, you should end up with a premium that is right for you.
Also, remember that not all companies that offer life insurance require a medical test. Finding the right company for you is very important. We don't have an exam, just some basic questions to help us understand you better. Let us know at firstname.lastname@example.org if you have any questions, we would love to help find the best fit for you and your loved ones. 💛