Tips on Taking a Life Insurance Exam

Getting prepared for an exam is not easy. Just think about all those times when your teacher suddenly announced that there would be a quiz in her Math class the next day. It is but a normal reaction to be surprised and be in a state of panic, especially if she also mentioned that the quiz would comprise of 50 points of your class standing. So what else was there to do but to actually prepare for it! Such is also the case when one is faced with any kind of exam, and life insurance examinations are no different.

What is one supposed to do prior to the health examinations anyway? Of course, the basic principle that should be followed is to be conscious of one’s diet and health condition and stay away from doing things that might negatively affect the state of the body.

A week before the scheduled exam, one must stick to a regular healthful diet. Refrain from consuming food with excessive fats, salts and sugars as these may affect vital statistics such as blood pressure and blood sugar content. Drinking alcohol prior to the exam is not advisable as well, given that the alcohol might affect the liver and cause the enzymes to be unpredictable. As much as possible, schedule the examination in the morning since this is the time that the body is freshly energized and least stressed.

The day before the exam is usually the most nerve-wracking for an individual. One must stay calm and avoid being overly anxious as this may lead to some psychological effects and, in one way or another, affect the results of the exam. Smokers should limit their intake of nicotine and strictly no smoking 30 minutes before the actual exam. Avoid caffeinated beverages such as coffee, tea and other products for caffeine can elevate blood pressure. Nasal decongestants and pain medications should be avoided unless prescribed by doctors.

Moreover, one should fast eight to 10 hours before the exam and make sure to have an adequate amount of sleep, preferably around eight hours, the night before. Avoid getting unnecessary tired and worn-out the day before, hence, strenuous exercise or work are a no-no at all costs, as these activities may cause an increase of protein in the urine. Drinking lots of water is also helpful for easy facilitation of getting a urine sample.

It may also be advantageous for the applicant to get a medical record from his/her physician in preparation for the questions that the examiner will give regarding medical history and other health conditions. The names of the doctors or the hospitals you have visited for the past years might also be asked so it is useful to have the address or contact numbers of the clinics/hospitals ready. Furthermore, if on medication, one should be prepared to give the name, dosage and prescription of the drugs being consumed.

On the day of the exam, the applicant should dress comfortably and preferably wear a shirt with short sleeves so that it is more convenient for the blood sample-taking. The individual can also ask for the seal of the needle to confirm if it is sanitary. Photo identification should also be brought for the insurer to make sure that the person who showed up for the examination is the applicant himself/herself. The applicant should stay calm especially when an electrocardiography exam is required to avoid inaccurate and false readings.