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Term Life Exam Tips

term life exam tips

When it comes to life insurance quotes, it’s all based on how you were rated. Super-preferred? Preferred? Standard, non-standard, smoking? Declined? Term Life Exam Tips.

When applying for life insurance you want to be truthful. Then, at exam time, you want to put your best foot forward.

Following these term LIFE eXAM tips can help obtain THE BEST RATES

• Fast for four to eight hours prior to the exam and try to schedule
the exam for first thing in the morning, prior to eating
• Limit salt and high-cholesterol foods 24 hours prior to the exam
• Limit caffeine and nicotine 24 hours prior to the exam (can
increase blood pressure, cholesterol)
• Drink a glass of water one hour prior to the exam
• Get a good night of sleep prior to the exam
• Refrain from drinking alcoholic beverages for at least 24 hours
prior to the exam (can increase fat in blood and liver functions)
• Smokers should not smoke 30 minutes prior to exam (tends to
constrict artery walls and elevate blood pressure)
• Avoid the use of nasal decongestants if possible for 24 hours
prior to the exam (can increase blood pressure readings)

Helpful reminders

• Be prepared with a photo ID at the time of the exam
• Provide names and dosages of current medications
• Provide any history of problems associated with providing a
blood sample
• Women should mention to the examiner if menstruating at the
time of exam (can cause blood in the urine specimen)
• Have available names, addresses and phone numbers of any
doctors or clinics visited in the last five years
• Tell the examiner if exercise is a regular activity
• Tell the examiner if vitamins or aspirin are taken on a daily basis
If you have experienced one of the following health conditions, follow these additional guidelines:

Hypertension
• Avoid stimulants (caffeine, alcohol, cigarettes)
• Schedule a morning exam
• Have the examiner take blood pressure after you have had a chance to relax –
three attempts at 10 minute intervals
• Take usual medications

Diabetes
• Schedule the exam for 2½ hours after a meal (no sweets or sugars after the
meal), but if blood is being drawn, fast for eight hours prior to the exam
• Empty bladder right after meal
• Drink one to two glasses of water before the exam

Urinary Specimen Problems (albumin, red blood cells, sugar, etc.)
• Empty bladder right after meal
• Drink two to three glasses of water before the exam
• Avoid sweets or foods with sugar content before the exam
• Avoid strenuous exercise, such as running, for 24 hours prior to the exam
Coronary, EKG Problems
• Avoid stimulants (caffeine, alcohol, cigarettes)

Term Life Insurance Factors

 

term life insurance factors

Term Life Insurance rates are all over the place. Low rates, high rates, it all depends on different term life insurance factors:

Age – Let’s face it. It’s not easy getting old. The younger you are, the longer you’re going to live AND the less expensive life insurance is.
Health History – Do you have a history of disease or chronic illness?
Current Health – Are you in good current health? Are you taking medications?
Physical Condition – Are you heavy or lean? Do you excercise?
Smoker – Smokers can still get life insurance policies but the cost is significantly higher.
Drinking –Refrain from drinking alcoholic beverages for at least 24 hours
prior to the exam (can increase fat in blood and liver functions). Drink a glass of water one hour prior to the exam.
(For Additional Life Insurance Exam Tips checkout our: Tips by clicking here.)
Occupation – Are you a professional stuntman?Are you a race car driver?
Hobbies – Do you skydive or bungee jump? Are you a member of Fight-Club?
Family History – Are your parents and sibling still alive? Is there a history of family illness or disease?
Gender – Life isn’t always fair. Women live longer than men AND pay less for life insurance.
So, there we have it folks, our Term Life Insurance Factors.
It’s good to be young, healthy, work in an office, and play board games with your great grandparents!

Merry Christmas, Happy Holidays & Happy New Year!

MassQuotes Massachusetts Term Life Insurance

Life insurance is an odd thing. Nobody wants to think about it. Nobody wants it. Nobody wants to pay for it. Unless something terrible has happened. Then it’s: “Did he have life insurance?” and “how much?”

These days, almost no matter how much, it’s not enough.

The face value of a life policy usually doesn’t equal the life time accruing, earning potential of the deceased. And never does the face value come close ending the sadness and grief of loved ones.

However, life insurance money can help pay the bills. Life insurance can ensure the wife can stay in the home and the kids can go to college.

At the very least, life insurance can allow a family to carry on.

MassQuotes has been quoting life insurance in Massachusetts for over 20 years.

Our job is to find you the best term life insurance rates available.

Give us a click, call or stop by.

Merry Christmans, Happy Holidays & Happy New Year!

 

Massachusetts term life insurance quotes

Massachusetts Term Life Insurance

Life insurance. It’s never a matter of coverage, it was always about price. That is, of course, until someone dies. Then it’s about how much coverage, not how much it cost. MassQuotes provides free, complimentary Massachusetts term life insurance quotes.

Utilize our state of the art, comparative rating tool. Take a look at coverage, terms, and classifications. Quote with top companies and, if you find something that makes sense to you and your family, give us click, call or stop by.

Term life insurance is the most affordable type of life insurance you can purchase. If you’re looking for family protection: term life is the way to go (vs. whole life).

If you’re single, with no dependents, and looking for a small amount for burial and estate expenses then maybe a whole life policy is worth looking at. Whole life policies are permanent with fixed expenses.

MassQuotes provides free Massachusetts term life insurance quotes. Give us a click, call or stop by.