This proven, step-by-step guide prepares you to get lowest life insurance rates possible by acing the medical exam. No study is required – just a little self-discipline! 24 hours before the exam: a) Limit salt and high cholesterol foods 24 hours prior to the exam. b) Refrain from drinking alcoholic beverages for at least 24 hours prior to the exam. c) Limit caffeine and nicotine 24 hours prior to the exam. d) Limit strenuous physical activities 24 hours prior to the exam. e) Get at least 8 hours of sleep the night before the exam. Day of the Medical Exam: a) Fast for 4-8 hours prior to the exam and try to schedule the exam for first thing in the morning. b) Drink a glass of water one hour prior to the exam. c) If you smoke, do not smoke 30 minutes prior to the exam. Also: a) Be prepared to provide names and dosages of current medications and a photo ID. b) Have names, addresses and phone numbers of any doctors or clinics visited in the last 5 years. Additional Considerations: If you suffer from one of the following conditions, please follow these additional guidelines: Hypertension: a) Avoid stimulants (caffeine, alcohol, cigarettes) Have the examiner take your blood pressure after you have had a chance to relax: preferably 3 attempts at 10 minute intervals. b) Take your usual medications before the medical exam. Diabetes: a) Schedule the exam for 2 ½ hours after a meal (no sweets/sugars after the meal). b) Empty bladder right after eating In order to obtain the most favorable results, you must prepare for this exam! The potential to lower your rating and thus lower the cost of insurance is an opportunity you can't afford to squander. You need to be 100% truthful when answering medical questions. Should something happen to you, the life insurance company will perform an autopsy prior to paying the claim to your beneficiaries. If they find inconsistencies with your medical exam, your benefits may be reduced or eliminated! For more information, please check out: http://www.termmonster.com