Life Insurance Medical Exam [21 Tips to Save Thousands]

Here is your step by step guide to crushing your life insurance paramedical exam.

We believe that small adjustments leading up to your exam – especially when it comes to your blood pressure – can make big changes in your health class for the better.

The better your health class, the lower your rates.  Simple right?

This information is worthless unless you use it.  As you can see in an example below, just improving by one health class could save you over $20,000.

Is $20,000 enough to get your attention?  Then check out the attached infographic and ace your life insurance medical exam.

Why Sodium Cutback Takes You One Step Away From A Pricey Premium

If you’re a fan of salted fries and potato chips, you might want to consume a smaller portion of these comfort foods.

Numerous studies have shown how sodium cutbacks can also result in reduced blood pressure in adults. While it’s the most common condiment, there are other sources of sodium you might want to watch out for. Dairy, eggs, meat and seafood, specifically shellfish, are sources of sodium.

Apart from these, sodium can also be found on pastries, crackers, cured meats and even your favorite bag of chips. Be sure to regulate your use of soy sauce, fish sauce or broth cubes to spice up your dishes.

The WHO pointed out that cardiovascular diseases (CVDs) is the number one cause of death worldwide. Taking 17.6 million lives annually and killing approximately 800,000 Americans, CVD makes up 32% of all deaths across the globe. Hypertension is the leading culprit for the development of CVD, leading to heart attack and stroke.

Limiting Your Sugar Intake To Ace Your Medical Exam

It’s time to ditch your favorite frappuccino and abstain from munching on your honey-coated bagel. According to the 2015-2020 Dietary Guidelines for Americans, a person must consume sugar amounting to only 10% of the daily calorie intake. Recognizing the risks of the rising number of obesity, the American Heart Association redefined the numbers.  Women are prescribed to consume no more than 100 calories a day, while men are limited to no more than 150 calories.

US adults get 13% of their daily calorie intake from added sugars, making it hard for them to stick to the recommended amount.

Diabetes, Heart Disease, and Stroke

If you aren’t that mindful of your glucose levels and you are diagnosed to have diabetes, that puts you a little closer to suffering from heart attack or stroke.

People diagnosed with diabetes are prone to risk factors such as hypertension or high cholesterol.

Over time, high levels of blood glucose can put strain and damage your blood vessels. On the other hand, persistent high blood pressure can increase your risk of atherosclerosis- the plaque buildup on your arteries. These expose you to more risks such as coronary artery disease and heart attack. On a serious note, the longer you have diabetes, the greater the possibility of you suffering from heart diseases.

If you do have diabetes, regularly monitoring your blood glucose levels or blood sugar together with your blood pressure is a must. Be sure to manage your blood pressure and cholesterol levels, avoiding the consumption of fatty and salty foods. If you happen to be a smoker, withdrawal from your smoking habit would be a good choice.

Individuals who have diabetes tend to develop heart disease earlier than those people without diabetes. In fact, the most common cause of death for people with diabetes are heart diseases such as recurring heart attacks and stroke.

Managing your blood sugar levels will help you reduce your chances of catching heart disease or stroke.

Smoking and Hypertension

Smoking is a proven factor in the occurrence of heart attack and stroke.

The nicotine present in cigarette smoke increases your blood pressure and hastens your heart rate. This leads to narrowing your arteries and creating buildups on your arterial walls. It also exposes you to threats of blood clots. These processes strain your heart muscles, making you prone to more heart diseases.

Smokers experience a rapid increase in their blood pressure onset of smoking. The act of smoking and the inhalation of secondhand smoke are both factors that increase the risk of plaque buildup on the arteries. This plaque buildup is the infamous Atherosclerosis- causing even more serious cases such as coronary artery disease.

Becoming a high-risk heart condition,  it is often treated through the use of heart stents or bypass surgery. High blood pressure can speed up the accumulation of plaque on your arteries.

If you have diabetes, it’s important to stop smoking as both the act of smoking and diabetes can constrict your blood vessels. This also leads to developing other long-term illnesses such as COPD and respiratory diseases.

If you have hypertension, that means your heart is exerting strenuous efforts to pump blood for it to circulate. The high blood pressure can strain your cardiac muscles, wearing out your blood vessels. These increases the risks of having heart attack and stroke.

Knowing your cholesterol levels

If you happen to have high cholesterol levels, avoiding fatty and salty foods is the first key to regulating it.

Cholesterol is a type of fat that the human liver naturally produces and is part of everyone’s blood composition.

LDL, dubbed as the bad cholesterol, can easily accumulate and clog your blood vessels. The high levels of LDL can cause plaque buildup that hinders the flow of oxygen-rich blood. This puts you in the risk of stroke or heart attack.

Triglycerides, another type of blood fat, can also create build-ups on your arteries if the levels exceeded the normal range.

Why Managing Your Weight Counts

Being overweight or obese makes it harder for patients to manage their diabetes and increases their risks for numerous heart diseases and hypertension. If you are overweight, managing your calories and keeping track of your diet plan will eventually keep your blood sugar level in control. With this, you will be able to lessen your need for medications.

Excess belly fat on your abdomen, regardless of your weight, can actually increase the chances of you developing heart disease. Be sure to measure your waistline frequently. As your medical exam approaches, it is a must that you qualify within these ranges:

Your waist must not exceed 40 inches if you are a man, and must be lower than 35 inches if you are a woman.

Keeping your Diabetes At Bay

Knowing the ABC’s of diabetes will help you manage your blood sugar, blood pressure, and your cholesterol levels. Quitting your smoking habits if you are diagnosed with diabetes will also deficit your chances of developing cardiovascular diseases.

A stands for the A1C test. A1C test records your average blood glucose level within the past 3 months. This test is quite different from your daily glucose checks in many ways. The higher your A1C number is, the higher your blood sugar levels have been recorded in a span of 3 months. Remember that high levels of blood sugar can lead you to numerous risks concerning your heart, your blood vessels, your kidneys, eyesight and your overall wellbeing. Most diabetic patients aim for an A1C score of below 7 percent. Ask your medical provider what your goal score should be in order to qualify to a better premium rate.

B stands for blood pressure. The standard goal for people with diabetes is somewhere below 140/90 mm Hg. Blood pressure is the force your blood flow creates that impacts the wall of your blood vessels. Once your blood pressure levels reach a high rate, this strains your heart muscles. High blood pressure, when neglected, eventually leads to cases of heart attack, stroke and damage to the patient’s kidneys and eyes.

Finally, C stands for cholesterol There are two kinds of cholesterol present in our blood. The LDL, known as ‘’bad cholesterol’’ can cause plaque build up on your arteries and clog your blood vessels. The plaque accumulation can harden and cause more complications, such as stroke. On the other hand, HDL, also known as good cholesterol, helps eliminate the bad cholesterol from your blood vessels.

If you are over 40 years of age, you will likely be prescribed by medicines such as statin to lower your cholesterol levels. This also helps in protecting your heart.

Why Should You Want To Quit Smoking

If you want to land a better premium and do good on your medical examination, keeping your body nicotine-free as much as possible is an important step to make.

Once you quit smoking, you will now be able to lower your risks of catching a heart attack and even stroke. Since nicotine can cause plaque buildup on your blood vessels, avoiding it can effectively eliminate your risks of getting even more serious complications.  It also lowers the threat of being diagnosed with nerve, kidney, lungs and eye diseases.

Quitting second-hand smoke will help you regulate your blood glucose levels, normalize your blood pressure and control your cholesterol levels. This lets you avoid shortness of breath, chest pain or angina, and propels your body to become even more physically active. Who doesn’t want to get better with age?

Passing Your Medical Exam’s Blood Work

You can never reverse a lifetime of quarter pounders and t-bone steaks. What you can do, however, is try your best to regulate your blood pressure, blood glucose and cholesterol levels. Certain changes in your diet for approximately two weeks before the date of your medical exam can help yield good results.

Six Weeks Before Your Medical Exam

Having your meals planned out to be less in calories, sodium and sugars is a good start. Stir away from unhealthy midnight snacks, fried nibbles, and fatty foods.

You might want to avoid recreational cannabis and other recreational drugs. If you are taking medicinal cannabis, you might want to bring along your doctor’s prescription with you onset of your medical exam. Keep in mind that if you are looking to qualify for non-smoker premiums, it’s best to have no THC strains found in your urine. Some companies can grant you non-smoker rates, even if you admit that you are a smoker. Get in touch with us, Heart Life Insurance, to help you find the best companies that offer you the most holistic insurance policies for your case.

Even if you are applying to a life insurance company that accepts the use of cannabis, it is best to have little to no traces of THC present in your urine. Be sure to answer the interview questions honestly as discrepancies will raise your rates or will lead to a decline in your application.

Take a break from other recreational drugs, as everything else, aside from medicinal cannabis, will lead to an automatic decline.

About Two Weeks Before Your Examination

If you haven’t stopped smoking, this is the perfect time to finally ditch your smoking habits.

Start eating healthy. Incorporate more vegetables into your diet and look for recipes that entice you to eat enough greens instead of unhealthy dishes. Avoid too much caffeine as these can also trigger high blood pressure and can even lead to palpitation.

Preparing To Ace Your Medical Examination

Stay Hydrated

Water flushes out unnecessary traces of toxins and chemicals from your system. It cleanses your digestive system and helps your urinary tracts rid off excess salts. Water helps you increase blood flow and makes it easy for you to produce a urine specimen to be used for your medical examination.

Be Diet-Wise

If you are a huge fan of pizza, popcorns, potato chips and fries, then you might want to avoid them. A week before your medical examination, it is best cut back on your sodiums and sugars. Fatty diet, specifically red meat, should take the back seat too.

If you want to regulate your levels of blood pressure and blood cholesterol, its best to avoid salty, sugary and fatty diets even for just a week before your medical examination. Changing your cheeseburger and twister fries diet to some Ceasar’s salad won’t hurt. Remember, insurance companies rate different health factors in brackets. A little change can mean a significant difference if you are on the borderline of with any of your readings. The lower the levels you get from your blood pressure, blood cholesterol and glucose, the lower your premium can go.

If you want to ace your medical exam, some foods can help you improve your results. Opt out to consuming micro-greens, whole grains, oats, nuts, and fish. Micro-vegetables, in fact, can be 40% more nutritious than mature counterparts. Plus, these small vegetables help you avoid intaking too many calories!

Keep in mind to eat lightly on the actual day of your examination. This way, you would not have to feel bloated or experience any symptom of hypertension (especially if you are diagnosed with high blood pressure). This lets you keep your weight at the minimum. Like other health readings, a few pounds you’ve gained can make a huge impact on the premium you’ll have to pay once you purchase a policy.

Stay Away from Liquor

Having a trace of alcohol in your bloodstream can stain your medical records. You will be marked to have a problem with alcoholism, and might lead to your premium’s increase. It is best to not consume alcohol a week before your medical exam.

No Exercise For Your Exam Day

Exercise increases your blood pressure and elevate protein levels present in your urine. It is best to just unwind on the day of your examination, stay hydrated and put off any plans of strenuous activities before the exam.

You Must Follow The Fasting Rule

Do not eat on the examination date. It’s recommended that you don’t eat for at least 12 hours before your exams that involve taking samples of your blood. The food you ingest can distort your results. Not eating 12 hours before your examination is the last chance you get to cleanse your blood and keep your weight minimal. This will help you get cheaper premiums and will make it easy for you to ace your medical examination.

Keep Yourself Stress-Free

It is a must for you to stay away from stress as much as you can. If you’ll be needing to take a leave from work or to have a quick rest week before the examination- do it.

Stress is a known factor that elevates your blood pressure. It can also impact your digestive system, especially if you are diagnosed with IBS or Crohn’s disease. If you feel like you need to take some time away, a quick stroll in the woods or a dip at the beach- it’s a great way of de-stressing.

Beat the White Coat Syndrome

The ‘’White Coat Syndrome’’ is characterized by an increase of blood pressure due to worrying about the medical exam itself. There are individuals who develop anxiety from undergoing medical examinations. A person’s blood pressure can shoot up with the thought of having to go through numerous tests. This is because most people are fearing the potential discovery of a certain illness or condition the exam results can possibly reveal.

If you are feeling nervous onset of the examination, ask your examiner to just hold off taking your blood pressure until every tests are run. If every necessary test has been finished, you’ll feel a little laid back. You no longer have to think about the arduous process of blood sample extraction or questions you must address. Once everything is done, you can calm down. This allows your blood pressure to stabilize.

Feel free to ask your examiner about your request. You can freely explain that medical exams make you anxious, leading to an increase in your blood pressure.

Do you have any concerns about the results that might show up on your medical exam? Talk to us, Heart Life Insurance. We’ll be happy to help you find the best insurance company that will provide you with the best policies for your condition.

Stand Upright and Dress Light

Dressing light will minimize your weight on your weigh in. Standing up straight and tall when measuring your height is also something you should keep in mind. Life insurance companies always look for the appropriate weight-to-height ratio. You’ll get a chance to land good policies and just-priced premiums if your weight and height are proportionate.

Finding The Best Policy For Your Needs

Heart Life Insurance specializes in high-risk cases, so you’ll never have to worry about running out of options. With access to hundreds of life insurance companies providing different policies, we can help you find the best coverage at a fraction of the cost. We’re an independent agent that supports professional underwriting, with a heart. Let us find you the best policies and secure your family’s future.

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