Life Insurance Quote Texas

Question:

What are some of the things I should know and/or be prepared for before my scheduled Life Insurance Medical Exam here in Austin?

Thanks,
Tommy
Austin, TX

Answer:

Great Question Tommy. The procedures during a typical Life Insurance Medical Exam includes:

• Measurement of your weight and height
• Measurement of your blood pressure and pulse
• Blood work (to check things such as cholesterol, glucose, protein, and HIV)
• Urinalysis (to check things such as protein, glucose, creatinine and cocaine)

Note: some insurance companies also require EKGs and/or treadmill EKGs (stress tests), especially for policies with a high face value.

The following may be some questions you could be asked as part of your life insurance medical exam:

• Your medical history
• Your family’s medical history
• Information about how to contact your primary doctor
• Lifestyle habits such as smoking, drinking, recreational drug use and exercise
• How much life insurance you are interested in purchasing

Note: don’t hide any medical condition you may have, chances are that insurance companies will find the information they need through the Medical Information Bureau.

There are a number of simple steps you can take to make sure you get the best possible results at your medical exam

• Get a good night’s sleep the night before the exam
• Fast for eight hours before the exam if possible to ensure the most accurate results
• Avoid caffeine for at least one hour before the exam
• Avoid alcohol for at least eight hours before the exam
• Don’t smoke for at least one hour before the exam
• Don’t engage in strenuous exercise for 24 hours before the exam
• Limit your consumption of salt and cholesterol for 24 hours before the exam
• Cancel the exam if you get sick - even a minor infection can distort the results

Good Luck on your Life Insurance Exam there in Austin, Texas

-Author

Question:

We are new parents residing in Dallas, Texas.  Should we buy life insurance for our new baby?

Paul

Answer:

I can’t think of a better gift for your child than a life insurance. Life is so unpredictable, and we never know what will happen tomorrow. Putting a life insurance policy in place for an infant or child, and guarding against the unforeseen or unexpected events that may happen in our child’s life proves to be a wise decision. When children are young and healthy, the premiums are at their lowest. On a whole life policy, the premiums are also locked or level through out the policy. They will never change or go up, no matter what happens. when they become an adult you can turn over to them the obligation of paying the premiums.

Life insurance for children is not costly and easy to set up.This site offers a Free and Easy way to quickly obtain comparative quotes from Highly rated Life insurance companies for pennies on the dollar! Just provide your zip code and your off and running.

Congratulations on your new arrival!