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:

Is there a solution to the high cost of senior life insurance ?
A concerned couple from Dallas, TX

Answer:

I totally understand your concern and I am sure you are not the only couple who has been deterred from even attempting to apply for a policy there in Dallas.

The good news is that there is another option. A specific new life insurance for seniors has evolved over the past few years and it is called Premium Financing. It is not a new life insurance concept, but one that has come to the forefront recently. Some key factors can keep your cost down:

• Get In Shape. Just walking a few minutes a day will keep your heart rate up and actually allow you to maintain a higher energy level throughout the day. I would recommend walking in the earlier morning to start your day off right.

• If your a coffee drinker…make a conscious effort to drink one less cup a day and add a glass or two of water in its place. You will be amazed how much energy this will give you! Remember this can lower you rate when getting a new Term Life Insurance policy there in the Dallas area!

• Flax oil two table spoons a day has enormous amounts of Omega Nutrients and has been known to slow the aging process. This essential oil is good for you and enables your body to heal itself over time. It can assist in lowering cholesterol .I would see this as good prerequisite to getting a cheaper life Insurance policy in Dallas, Texas.

The life expectancy now days has increased and people are living longer so getting Level Term Life Insurance for 20 to 30 years would not be out of the question.

Good Luck

-Author