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Life Insurance

12 Tips to Consider When Preparing for a Life Insurance Medical Exam

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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.

You may also want to take precautions that will give a good reflection of your health.

Here we look at 12 tips to think about while preparing for your medical 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 easily have a blood test 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.

12. Relax

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.

In summary

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’ll end up with a premium that is right for you.

Also, take note that not all companies that offer life insurance require a medical test. Finding the right company for you is very important. Let us know if you have any questions, we would love to help find the best fit for you and your family.

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FF Bequest Limited, trading as Bequest, is authorised and regulated by the Financial Conduct Authority with firm reference number 923791. You can check our authorisation on the FCA Financial Services Register by visiting the following website: register.fca.org.uk . We are registered in England and Wales, Registered office address: Founders Factory, Northcliffe House, London, United Kingdom, W8 5EH. Company Number 12367897.

Regulated by the Information Commissioner's Office (ICO) [ZA662891]. “Bequest" is trademark protected by FF Bequest Limited (UK00003452648). FF Bequest Limited is registered in England and Wales, No 12367897.

FF Bequest Limited, trading as Bequest, is authorised and regulated by the Financial Conduct Authority with firm reference number 923791. You can check our authorisation on the FCA Financial Services Register by visiting the following website: register.fca.org.uk . We are registered in England and Wales, Registered office address: Founders Factory, Northcliffe House, London, United Kingdom, W8 5EH. Company Number 12367897.

Regulated by the Information Commissioner's Office (ICO) [ZA662891]. “Bequest" is trademark protected by FF Bequest Limited (UK00003452648). FF Bequest Limited is registered in England and Wales, No 12367897.

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