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.
How to Facilitate the Medical Examination for Life Insurance with Flying Colors
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 with Flying Colors
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.