The best thing to do before applying to a life insurance policy is to go see your doctor. If you do not have a primary care physician because you rarely go to a medical office, now it is a great time to find one! Search for an office that is close to your home, and that has hours that work with your schedule. A good reputation is very important when it comes to medical care, as you want the most knowledgeable and pleasant professionals to take care of you. It is possible to look online for recommendations and scores, but you can also ask your family and friends if they have a good primary care physician that they can recommend. Having word-of-mouth recommendation is always the best policy, as you get real-life experiences from someone you know and trust. Having a good medical professional in your life can also get some of that stress off of going into a new office and opening up about your private information to a complete stranger. In addition, having a professional you trust can improve your health, because you will hopefully go and visit the office when you are not well, so you can get the proper care right when it’s needed. Or, if you have been in denial about some things that are going on with your body, it can lead to you opening up about them and improving your overall health and happiness.
When applying for life insurance, some programs, such as a low cost term life insurance, will probably require a medical exam. If you visit the doctor in advance, you can be sure that your medical record is in top shape, and that if you had any unresolved issues listed on your medical records, their progress can be reported and updated. For example, if you made positive and significant changes in your health and lifestyle, it can translate into savings on your policy. The better your medical record looks, the less you will pay. Some popular examples are quitting smoking, or making diet improvements that led to other important health changes like high blood pressure. The more positive you can make your health profile appear – the better, not only for your wallet but for yourself and your loved ones. The whole point of getting a life insurance policy is about taking care of those you love, so taking care of yourself is a natural part of that.
