Call Us 502-348-5921 ☰ ˟
Logo
Call Us 502-348-5921 to get your personalized insurance quote
  • Home
  • Get A Quote
    • Automobile
    • Bonds
    • Business & CommercialImage of right arrow
      • Group Health & Employee Benefits
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Workers Compensation Quote
      • Commercial Auto Insurance Quote
      • Surety Bond Request
    • HealthImage of right arrow
      • Health Insurance Quote
      • Health Instant Humana Quote
      • Health Instant Anthem Quote
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Homeowners Insurance Quote
    • Life
  • Customer Service
    • AutomobileImage of right arrow
      • Request ID Card for Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
      • Update Contact Information for Auto Policy
    • Business & CommercialImage of right arrow
      • Request a Certificate of Insurance
      • Request a Business Policy Change
      • Update Contact Information for Business Policy
    • HealthImage of right arrow
      • Request Declaration and Coverages Page for Existing Health Insurance Coverage
      • Request a Health Policy Change
      • Update Contact Information for Health Policy
    • HomeownersImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
      • Request a Mortgage Change
      • Update Contact Information for Homeowners Policy
    • LifeImage of right arrow
      • Request Declaration and Coverages Page for Existing Life Insurance Coverage
      • Request a Life Policy Change
  • Claims
    • Other
  • Blog
  • Make a Payment
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About First Insurance Group
    • Our Locations
    • Employee Directory
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Blog > Tips for Taking a Life Insurance Medical Exam
WEDNESDAY, DECEMBER 17, 2014

Tips for Taking a Life Insurance Medical Exam

doctor with patientWhen applying for life insurance, the insurer will often require you to undergo a medical exam in order to determine your current health and if you’re prone to certain illnesses that may shorten your lifespan. The results of this exam are delivered to the insurer’s underwriter, who uses the data to assess the risk of insuring you, which directly impacts your premiums. A person in good health will generally pay less, while a person in poor health will generally pay more for comparable coverage.

However, some people succumb to stress and anxiety at the thought of an impending medical exam that could affect their budget for years to come. Luckily, there are steps you can take to prepare for the exam so you will be able to achieve the best possible results. Just follow these tips.
  • Schedule the exam early in the morning: The medic will take a blood sample and anything you consume can affect the numbers. Even a cup of coffee can elevate your blood pressure. It’s best to fast for at least six hours before a blood test and scheduling the exam for the morning makes fasting easier on your body.

  • Get a full night of sleep: Your blood pressure is lower after getting a solid seven to nine hours of sleep. Find a way to relax the night before so you wake up well-rested, which can lead to better test results.

  • Avoid alcohol and drugs: While alcohol is perfectly legal, it can dehydrate your body and affect test results. However, if your results show any sign of drug abuse, you could be denied coverage.

  • Avoid salty and fatty foods: Eating healthy for a few days before your exam gives you the best chance for better cholesterol and blood pressure numbers, which indicate your heart health.

  • Be honest: Admit it if you’re a smoker, even though it means higher premiums. Lying can be caught during the exam; but even if it goes unnoticed, your coverage can be dropped due to insurance fraud if your habit is caught at a later date. Additionally, be upfront about any medications—prescription and over-the-counter—that you take regularly.
Get a free quote today. Call First Insurance Group at (800) 511-2892 for more information on Frankfort life insurance.
Posted 5:41 PM

Tags: insurance, life insurance, health, medical, frankfort, kentucky
Share |


2 Comments

life insurance expert said...
Very innovative thought.This article are very helpful for us. I think this blog are really interesting. Thanks for sharing info

https://expertinsurancewitness.com/
SATURDAY, FEBRUARY 16 2019 12:31 PM
Jitender JB said...
Nice post and very informative concept you share with us. Thanks for sharing.
FRIDAY, APRIL 05 2019 6:59 PM

Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014

  • insurance(72)
  • kentucky(58)
  • tips(44)
  • business insurance(42)
  • coverage(32)
  • safety(21)
  • savings(18)
  • auto insurance(18)
  • home insurance(17)
  • somerset(16)
  • health insurance(15)
  • life insurance(15)
  • lexington(15)
  • richmond(14)
  • frankfort(13)
  • first insurance group(12)
  • health(10)
  • virginia(9)
  • bardstown(9)
  • bonds(9)
  • workers compensation(9)
  • nicholasville(7)
  • kentucky insurance(6)
  • general liability insurance(6)
  • commercial auto insurance(6)
  • car insurance(5)
  • lexington business insurance(5)
  • liability(4)
  • surety bonds(4)
  • protection(4)
  • homeowners insurance(4)
  • workplace safety(4)
  • fitness(4)
  • small business insurance(3)
  • security(3)
  • finance(3)
  • back pain(2)
  • trucking insurance(2)
  • lexington health insurance(2)
  • worker's compensation(2)
  • home insurance lexington(2)
  • workers comp(2)
  • winter(2)
  • workers compensation insurance(2)
  • risks(2)
  • flood insurance(2)
  • insurance types(2)
  • medical(2)
  • bop(2)
  • business(2)

View Mobile Version
Contact us
502-348-5921
Quick Links
Home Our Products Customer Service Payment Options Report a Claim About Us Our Carriers Partners Blog Contact Us
Locations

Bardstown

107 Lincoln Way
Bardstown, KY 40004

Phone: (502) 348-5921

Frankfort

Our Virtual Office
Frankfort, KY 40601

Phone: (502) 223-5100

Nicholasville

508 North Main St, Suite C
Nicholasville, KY 40356

Phone: (859) 885-9454

Danville

811 S Fourth Street
Danville, KY 40422

Phone: (859) 236-5192



Twitter Icon Facebook Icon LinkedIn Icon Google Icon


© Copyright. All rights reserved.
Powered by Insurance Website Builder