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)

Massachusetts Life Insurance

Massachusetts Life Insurance

Do you have a Massachusetts life insurance policy already in effect?

If so, you may want to re-apply.

Term life insurance rates are extremely low right now.

If you can get in a more preferred category, extend your policy term, and pay less money, then it may be worth the effort (application & medical exam etc.) to re-apply.

It makes sense to protect what you value.

You insure your car, your home, and your valuables. What about you & your family?

Without life insurance, you leave your family open to risk.

If you have a policy in place perhaps you should think about replacing or adding another.

You should review your life insurance every time a major change happens in your life – a marriage, birth of a child, purchase of a house, or starting a business.

Fortunately, life insurance can be surprisingly easy and affordable.

It may sound cliché but “life insurance isn’t for the people who die. It’s for the people who live.”

Through our network of Independent, Massachusetts Insurance Agents, Massquotes.com offers the most competitive rates from companies such as SBLI and Banner Life along with many other companies.

Please give us a call or submit a quote request if you would like to get rates or discuss.

MassQuotes: Term Life Insurance

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noun: term life insurance

life insurance that pays a benefit in the event of the death of the insured during a specified term.

MassQuotes utilizes the technology of the internet and the buying power of the masses to find you the best term life insurance.

MassQuotes compares term life insurance rates at no cost from top-rated companies in seconds.

We believe term life insurance offers the greatest coverage for the lowest premium and can be a great solution for financial responsibilities such as: family protection, consumer debt, dependent care, education, funeral costs and mortgages.

MassQuotes will help you figure out the amount of coverage that’s right for you at a price you can afford.

The typical process for applying for term life insurance online at the most competitive rates available is:

  1. Shop Rates & Request Application. Once you find a policy that is right for you, request an application, at which point a licensed life insurance professional will call you to answer questions and start your formal application.
  2. Application. Complete and sign your entire life insurance application. Use this checklist to help gather additional information your life insurance company may need about you and your health.
  3. Medical Exam. Complete a brief medical exam to confirm your health. The exam is done with an examiner who is paid for by the insurance company or licensed insurance professional and can be completed where ever and when ever convenient for you. View tips.
  4. Review. Wait for your insurance company to review your application and medical information to confirm qualification and rate. This review typically takes 2-8 weeks, depending on your insurance company.
  5. Approval. Once the insurance company has approved your application, your policy will be delivered to you, along with any additional requirements needed, in order to activate your coverage.
  6. Free-Look Period. Most policies offer a Free-Look period.

Reminder: Life insurance isn’t for the person that dies, it’s for the people that live.