Eight Tips To Remember Before Your Life Insurance Exam

Your diet and behavior before your life insurance exam may affect the results and ultimately how much you end up paying. The better underwriting class you qualify for, the cheaper your policy will be.

Here are eight tips to remember before your life insurance exam.

1. Schedule your exam for the morning time after a good night’s rest. 2. Avoid drinking coffee or anything with caffeine the day of your exam. 3. Avoid strenuous exercise 12-24 hours before your exam. This will allow your body to fully recover and get your vitals back to normal. 4. When it comes to alcohol, we all know that moderation is best. Just make sure you moderate at least a day before your exam so your liver enzymes don’t go off the chart. 5. Drink lots of water. Not only is it good for you and helps flush your body, but your exam will most likely include a urine test so you will need to be able ‘to go’ when asked. 6. The insurance company is going to want to review your medical records as part of the application. Prepare a list of your health history and doctors including name, address and phone numbers. The more information you can provide, the quicker your application will be processed. 7. Nicotine is stimulant so if you do smoke, hold off until the exam is completed to light up that first drag of the day. 8. Make sure your exam is confirmed. Your agent and examiner should do this as well, but nothing is more frustrating than confusion as to the date and time of the exam. If you live in a gated community, apartment complex or any other area with special access instructions or hard to find roads, notify your agent and/or examiner when making the appointment.

Life Insurance exam
Life Insurance exam

Fasting

You may also be wondering whether or not you should fast before your exam? I have heard varying opinions, but if it were me, I would fast the night before. If you do feel the need to eat, just make sure it is light and easily digestible.

These tips along, with a healthy lifestyle, will ensure you getting a better outcome with your next life insurance exam. If it has been a while since you reviewed your life insurance or are considering it for the first time, please give me shout.

Want more information? Please visit Matt Elwood - Allstate Insurance to get more information on the Allstate products and services I can offer in Port Angeles, Sequim or anywhere Washington State. 

8 Things To Do If You Are In A Car Accident

8thingsaccident

Summer is more than half over and the dreaded 1st day of school is coming for kids. Mom and Dad may be rejoicing, but with school comes the taxi service from Mom and Dad.

Imagine that you are taking your kids to school and you get in an accident along the way. Many thoughts may be running through your head like:

  • Are my kids ok?
  • Did I pay the insurance bill this month?
  • Do I have collision coverage on my policy?

Keeping these 8 things in mind will help make a bad situation go a little better.

1. Remain calm

By remaining calm, not only will you think more clearly, but you will calm your kids.

2. Check to see if you are OK

Your safety and health is most important. If you or your passengers are injured, call 911 immediately. The same goes for the people in the other car.

3. Move to the side

If it is feasible, move your car to the side of the road for your safety. If you don’t want to end up with two accidents

4. Get information

Exchange names, cell phone numbers, emails and addresses of everyone involved.

5. Insurance

Get the other drivers’ license plate number and insurance information. Make sure you write down the insuring company, policy number, address and phone number.

6. Take Photos

If you have a camera, take photos to document the accident. If you don't have a camera on your cellphone, think about keeping a cheap disposable camera in your glove box.

7. Call the police

Call the police to report an accident.

8. Call your Agent!

Call your insurance agent! They are there to help and assist you with your claim.

These are just a few tips to make an unfortunate experience run as smoothly as possible. Is there anything you would add?

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