Applying for life insurance involves taking a medical exam that can be uncomfortable for anybody. But just as long as you know the things to avoid before your life insurance medical exam, you can make the process as easy as possible. Here are some things you should not do before your life insurance medical exam.
We know exercise is a healthy habit and you need it to keep fit. But on the day of your life insurance medical exam, exercising can do more harm than good to you. The reason is that exercise increases the protein levels in your urine. It also raises your blood pressure. And when this is detected during your life insurance exam, it can increase your premium rates. So, endeavor to take plenty of rest before your life insurance medical exam.
Eat certain foods
There are some foods that you should abstain from before you undergo your life insurance medical exam. For instance, poppy seeds, teas with hemp oils and cocoa can make you test positive for opiates. To avoid this, you should not eat for at least eight hours before your life insurance medical exam. During this 8-hour period, anything you consume, apart from water, can significantly affect your results.
Wear heavy clothing
During your life insurance medical exam, your Body Mass Index (BMI) will be tested. And this process involves measuring your weight and height to check if you are underweight, overweight or have a normal weight. Wearing heavy clothing or layers of clothing can give an inaccurate weigh-in result. And this is likely to affect your premiums. Therefore, ensure that you dress lightly when you are going for your life insurance medical exam.
Take prescription drugs
Due to the rampant abuse of prescription drugs such as Xanax and codeine, most life insurance companies include them in their life insurance medical exam. For example, cough syrups or nasal sprays can make you test positive for heroin, amphetamines and ecstasy. However, this does not mean that you should stop taking your prescribed medications. We advise that you should not take them a couple of days to your life insurance medical exam.