Things to keep in mind when examining your life insurance

Health checks are an integral part of a life insurance policy. Any major insurance company will be very serious with the results of the health examination of the insured, simply the risk of the life insurance contract will depend directly on the health of the insured person. insurance. And the big risk associated with high costs, well prepared for a medical exam will be a wise move and help you get the cheapest insurance price (not to mention help you ... really healthy) .

  For the best preparation process, you need to know the typical health check-up procedure for a life insurance policy: • After confirming the identity of the insured person with photo identification, you will need to answer some questions regarding your health and habits. For example, do you smoke or drink alcohol, have any medical treatment or use drugs, participate in risky sports such as scuba diving? • Next step, your health care provider will take measurements of your basic parameters such as height, weight, blood pressure and heart rate. Blood and urine samples for intensive tests. In some cases it will be necessary to record the patient's electrocardiogram. The main goal of this process is to screen out the three main and most common types of cancer: cancer, heart disease and diabetes, the lower the probability of disease, the lower the cost of insurance. The good news is that you can completely control this and achieve a good price target with the advice of the insurance specialist following the action schedule below. First and most important is quit:   The US CDC estimates that smoking reduces the average life expectancy by 10 years and causes negative health effects during life. This puts the insurance company's risk very high, resulting in a life expectancy of 2 to 3 times that of non-smokers. Experts agree that if you want the lowest life insurance price, you should quit smoking completely before long. Stopping smoking for a few days or a week before your appointment will not work. "Medical tests will determine the concentration of cotinine - a byproduct of nicotine - in the blood," said Mike Woods, an insurance expert with Pinney Insurance, California. This will distinguish between smokers and those who are exposed to passive smoking in their surroundings. "One week before the exam: • Drink plenty of water at least one week before your exam, at least 2 liters per day. Remember to use only filtered water, not soda or sugary beverages, which only helps to get the results you want. Drinking plenty of water will help the body purify the toxins and help you get the best physical examination. • Avoid fast food. Changes in the menu are slower, so you need to limit the menu of fried and fried foods for a week before your check-up. "It's better to limit sugar than salt," said Cathy Kamhi, a veteran of the Florida Health Insurance Clinic. "If you have good kidney function, salt is not a problem. But if you're not really healthy and at a diabetic level, blood glucose levels will be greatly improved in the test results if you avoid sweets and fast foods before taking blood samples. " Three days before the examination: • Abstinence: If possible, avoid alcohol, beer and alcohol for 72 hours before your visit. You will get a high score on health and prove to the insurer that you have no problem with alcohol abuse. "This is a very worthwhile consideration for the insurance company," said Geoffrey Gordon, president of insurance agency Andrew G. Gordon at Massacchusetts, USA. "Gan is a very important body to the life of the insured. "In addition, even without alcoholism, the probability of experiencing general types of accidents will be higher if the person has a habit of drinking alcohol regularly. • Reduce coffee and tea drinks: Not directly considered a health risk, but caffeinated drinks often contain high amounts of sugar (capucchino, tonic) and cause increased heart rate. "If your blood pressure is at a high level, tea and coffee will make the test results biased toward you," Cathy Kamhi said. Day before examination: Fasting - Moderate exercise - Sleep enough • Do not eat anything within 12 hours before your health check. • Avoid excessive exercise: Running or exercising to the point of sweating like a bath will cause a deviation in cholesterol levels and elevated protein levels in your urine. These are two false indications but are easily detrimental to the insured. • Try to sleep 8 hours at night before your health check, especially if your blood pressure is near the problem threshold. Long sleep and avoid stress will have a positive impact on the results of the cardiac examination the next day. Perform

Well, these steps will give you the optimum health check, which is the basis for negotiating with your life insurance company to get the lowest possible insurance costs. But even if you have signed the contract, you will be the most profitable person if you can turn these "coping" suggestions into guiding for a new, healthier lifestyle. Remember that the insurance company has the same goal of living long and living quality. Nothing makes a life insurance company less risky than their customers are healthy and maintain that health long. Do not forget that no matter how much health insurance you have, your health is always golden.