To lower your blood pressure for a life insurance exam, drink water to help flush toxins from your body and dilute sugar and protein concentrations, limit alcohol and eat healthy.
Avoid foods high in salt, sugar, cholesterol and fat and instead eat more foods such as vegetables, fruits, low fat dairy and whole grains.
Drinking a glass of water or 2 glasses of water before the exam can lower your blood pressure and lower sodium levels.
Eating foods such as almonds, walnuts, salmon and whole grains can help with blood pressure lowering and raise your good cholesterol levels.
To pass a medical exam for life insurance make sure to follow any preparation instructions or fasting provided by the examiner.
Get a good nights sleep the night before the exam and avoid any alcohol and caffeine which can raise your blood pressure and impact your liver enzymes.
Stay hydrated by drinking enough water before the exam which also lowers sodium levels and flushes toxins from your body.
Just be careful to not drink too much water as too much water can dilute your urine.
Avoid any strenuous exercise the day of the exam as it can raise your pulse rate and blood pressure and always be honest about your health.
To get life insurance if you have medical problems you can sometimes get life insurance through the company you work for or get a non medical exam life insurance policy which you can get if you don't qualify for a normal life insurance policy with the medical exam.
You can get life insurance without a medical history or medical exam by getting a non medical exam life insurance policy.
The non medical exam life insurance policy is also called a guaranteed issue or simplified issue policy which does not require a medical exam.
However for the non medical exam life insurance policy you may be required to answer some health questions on the application.
The non medical exam health insurance policies are often more expensive than other types of life insurance because the insurance company is taking more risk.
You can also be denied life insurance because of a preexisting health condition.
Things that disqualifies you from a life insurance policy are having medical conditions such as cancer, heart disease, kidney disease, COPD, high blood pressure, diabetes, stroke, liver disease and taking illegal drugs.
Having some severe mental health conditions can also disqualify you from being approved for a life insurance policy.
The medical conditions that life insurance companies check for are cholesterol levels, chronic health conditions, heart disease, diabetes, kidney disease, liver disease, blood pressure, weight and BMI, overall health status, tobacco and alcohol use, illegal drug use and other lifestyle factors.
The medical conditions that can disqualify you for life insurance are asthma, cancer, diabetes, kidney disease, high blood pressure and sometimes heart disease.
life insurance verifies your health through a medical exam where you see a doctor that the life insurance company sets up a doctors appointment with a doctor they choose or they send a doctor to your house for the exam.
Your own doctor cannot perform the life insurance medical exam and it has to be one that the life insurance company uses.
Most insurance companies do not allow you to use your own health care provider.
The doctor or healthcare provider will often come to your home to perform the exam unless they cannot get one to come to your home then you would go to a doctors office.
In urine tests the doctors for life insurance test the urine for illegal drugs like opiates, amphetamines, cocaine, nicotine, cotinine.
Testing positive for drugs can result in denial of coverage or a higher premium for life insurance.
The urine tests for life insurance also tests for kidney function, diabetes and urinary tract infections.
A high level of urea nitrogen in a blood test can also indicate a kidney issue or disorder but can also be a result of diuretic medications or lots of exercise.
In a life insurance medical exam the things they test for include your height, weight, blood pressure, pulse rate, cholesterol levels, blood sugar levels, nicotine use, heart disease and other potential diseases.
The blood and urine samples are done for a life insurance medical exam to test for your blood sugar, nicotine use, cholesterol levels and other diseases.
An EKG test will also be done during a life insurance medical exam to test your heart and you also may be asked to fill out a questionnaire about your health history and lifestyle habits as well as any current prescriptions you take.
Having conditions like diabetes and kidney disease and heart disease can make it more difficult to get life insurance.
For most life insurance policies you do have to see a doctor to get life insurance.
However some life insurance policies don't require a doctors visit or medical exam to get the life insurance but it depends on the life insurance company and policy.
Group life insurance through your employer is a type of life insurance that doesn't require a doctors visit or medical exam, although the life insurance coverage will be often limited.
When you apply for most types of life insurance, you'll be required to provide information about your medical history, gender, height, weight and age.
The medical exam for a life insurance policy will often include.
Checking your blood pressure, heart rate, weight and height.
Taking blood and or urine samples.
And performing an electrocardiogram or EKG or a treadmill test if you're an older person.
Failing the medical exam can cause you to be denied for life insurance as you are considered high risk if you're not in good health.
Having current health conditions such as obesity, diabetes heart disease, liver disease, kidney disease or other diseases can cause you to be denied for health insurance.
Your cost of life insurance premiums also vary based on your health, gender, age and the type of life insurance policy you get.
If you're employed you may be able to get workers group life insurance plans at little to no cost to you and often no medical exam is required to sign up for those policies.
Although the coverage under workers group life insurance is often basic and may not always be enough to care for a spouse or children in the long term in the even you were to die.