| Preparing to Buy Life Insurance |
When you're ready to purchase life insurance, you usually have to answer questions from the insurance company and submit to a health exam. The examination is usually conducted for free, so don't worry about the cost to you.
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The exam can be a stressful event, but relax! Here are a few tips to help succor your passage to full coverage: |
| Fast Before Your Exam
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Fasting for 24 hours before the exam will help you lower your cholesterol slightly. You should avoid consuming high fat foods and salty foods, which can elevate blood pressure, and avoid caffeine which can put you on edge.
Avoid alcohol, and be sure to take your regular cholesterol, blood pressure and other prescription medications to keep conditions under control. The insurer is interested in learning how well your medicines control your health conditions.
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| Exercise Helps, But Not Too Much |
| Get a good night's sleep so you feel calm and rested at exam time. Exercise can help soothe your nerves, but strenuous exercise is counterproductive because it can elevate protein levels in the blood. Do so, but sparingly.
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| Tell The Truth |
It's tempting to fib a little when the insurer is asking questions that will affect the cost of your premium. It's not as easy as it seems to fool them, because they are experienced at doing health and lifestyle background checks. They can and do can catch inaccuracies, so it's best to be as truthful as possible to avoid misunderstandings and unpleasant surprises.
After taking all factors into account, conducting an insurance search to get competing rates is the best way to keep your premium costs down.
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