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Gelinas Financial Group, Inc.

LISTEN, UNDERSTAND, RESEARCH, HELP. Money management has a new reality. Financial-planning efforts must consider “the whole client.” We offer a multi layer approach that starts with education. We strive to gain your trust then deliver the results you seek. At Gelinas Financial Group, Inc., our passion is supporting our clients by adding value: You need information to make correct decisions. We’ll help you achieve higher levels of success and better process management through cutting-edge solutions, training, mentoring, and continuing education. Our objectivity and independence mean you get the financial-planning and risk-management solutions that meet the unique demands of your present situation. We offer our expertise in the following areas: Financial Planning Retirement Planning Insurance Investment Coaching Annuities More Hope is not a strategy. We meet with our clients regularly to scrutinize their investments and make adjustments.

How To Ace Your Life Insurance Medical Exam

Shawna Kreis Shawna Kreis , 1/6/2016
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When you apply for Life insurance, you'll need to undergo a medical exam that measures your height, weight, and blood pressure, collects blood and urine samples, and checks your general physical condition. The results will become part of your insurance application. Unfavorable results, such as a high blood pressure reading, will probably result in higher rates.

To ensure that your exam is accurate and garners the best possible results, we'd recommend following these guidelines:

  • Stay well-hydrated. Drinking water before the exam can make it easier to draw your blood, which is necessary for obtaining cholesterol readings.
  • Fast for four to eight hours before the exam.
  • Limit salt intake for an hour before the exam.
  • Refrain from physical exercise and alcohol for 12 hours before the exam.
  • Avoid caffeine and nicotine, which can elevate blood pressure. Black coffee is okay up to an hour before the exam, but adding cream and sugar is like going off your fast.
  • Get a good night's sleep. Being well-rested won't necessarily affect your exam results, but might ease "white coat anxiety" -- the tendency to exhibit elevated blood pressure readings during an exam.
  • Know your medications. Generally you will be asked questions about your medical history during the exam, including whether you're currently taking any prescription or over-the-counter medications.
  • Test outside menstrual periods. Female applicants should not take the test when they're menstruating.

Best of luck with your exam!