When you\u2019re applying for an individual life insurance policy, you\u2019ll usually need to complete a simple medical exam administered by a paramedical professional.\u00a0 However, at PKIG we can offer up to $1 million in coverage without a medical exam in many cases.\u00a0 If you do need to complete the exam, follow these steps to prepare for your exam so you can minimize your chances of inaccurate test results and set yourself up to receive a fair rate on your policy.<\/p>\n
When to Eat<\/strong><\/p>\n Read and follow your pre-exam directions.\u00a0 If you\u2019re supposed to fast for eight to 10 hours, make sure you do.\u00a0 Fasting properly means you won\u2019t get a false positive on blood glucose tests for diabetes or artificially high cholesterol levels because of something you ate.\u00a0 Don\u2019t even drink black coffee the morning of, as caffeine can increase your blood pressure.<\/p>\n Tip: If you accidentally eat something before your test, ask the examiner if you need to reschedule.<\/p>\n What to Eat<\/strong><\/p>\n You may also want to pay attention to what you eat and drink for at least 24 hours beforehand.\u00a0 Avoid alcohol, skip salty foods and drink plenty of water. Consuming too much alcohol, too much sodium or not enough water can throw off test results for liver and kidney function as well as urine concentration.\u00a0 It\u2019s also easier to give blood when you\u2019re well-hydrated.<\/p>\n Exercise Considerations<\/strong><\/p>\n Finally, avoid tough workouts in the 12 to 24 hours before your exam, as heavy exercise can lead to urinalysis results that may suggest kidney problems and high blood pressure. But a light workout, like a walk, may be a good idea to help you get a good night\u2019s sleep.\u00a0 And, being properly rested can possibly improve your test results by decreasing anxiety and lowering blood pressure.<\/p>\n Thinking over your life insurance options? Reach out if you have any questions.\u00a0 248-682-7445 or owen@philkleininsurance.com<\/p>\n","protected":false},"excerpt":{"rendered":" When you\u2019re applying for an individual life insurance policy, you\u2019ll usually need to complete a simple medical exam administered by a paramedical professional.\u00a0 However, at PKIG we can offer up to $1 million in coverage without a medical exam in many cases.\u00a0 If you do need to complete the exam, follow these steps to prepare […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,25],"tags":[],"class_list":["post-77","post","type-post","status-publish","format-standard","hentry","category-insurance","category-life-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/posts\/77","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=77"}],"version-history":[{"count":2,"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/posts\/77\/revisions"}],"predecessor-version":[{"id":80,"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/posts\/77\/revisions\/80"}],"wp:attachment":[{"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=77"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=77"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.philkleininsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=77"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}