Some type of health exam is a requirement before you can take out many life insurance policies. The result of this exam can have a significant impact on your rates, and even on whether you qualify for a particular policy at all. Following these simple tips can help ensure that your health exam goes smoothly.
# 1: Eat a Healthy Diet
As soon as you know you are going to be taking the exam, start doing your best to eat a healthy diet. Many people feel that if their diet has been less than perfect in the past, there is no point in improving it before a health exam — but nothing could be further from the truth! In particular, try to minimize or eliminate your intake of fried, salty or sugary foods, as well as sodas and alcoholic beverages. Instead, eat a balanced, nutritious diet containing plenty of fresh fruits and vegetables, complex carbs and lean proteins.
# 2: Stop Smoking
Never smoking at all, or at least stopping permanently, is of course the best course of action for your long-term health. However, if you do smoke, you can improve your exam results simply by not smoking for at least 24 hours prior to the exam; this will help improve your blood work, blood pressure and heart rate.
# 3: Cut Back on Physical Exertion
Normally, of course, physical exercise is very good for your health. However, for two to three days before the exam, avoid hard physical work and exercise. Such exertion can elevate the protein in your urine and be erroneously flagged as a kidney issue.
# 4: Rest
Go to bed early the night before your exam. Fatigue can negatively impact certain components in your blood, giving the appearance of a chronic health problem you do not actually have.
# 5: Avoid Caffeinated Beverages and Stimulants
Finally, avoid caffeine as much as possible during the days leading up to the exam. Caffeine can elevate your heart rate and blood pressure, negatively impacting the results of your exam.
Roughly two million burglaries occur each year. Protect your home and family when you implement five landscaping tricks that don’t compromise your home’s exterior appearance or value.
1. Place Hostile Plants by Entryways
Burglars typically target easily accessible windows and doors. By placing hostile plants loaded with thorns, briars and brambles near these entryways, you discourage potential burglars. Several hostile plants to consider include roses, holly, raspberries, bird’s nest spruces, needle bushes and Spanish bayonet.
2. Trim Shrubbery Near the House
Overgrown shrubs, bushes and flowering plants look untidy, and they give burglars plenty of places to hide. They also prevent neighbors and anyone on the street from seeing suspicious behavior near your home. Protect your home when you keep shrubbery trimmed to lower than three feet tall all along the exterior of your home. Remember to trim plants away from the sides of your home too.
3. Use Noisy Ground Cover
Burglars try to be as quiet as possible, but noisy ground cover around your windows and doors alerts you to their every move. Pea gravel or other crunching stones do the trick, and you can find these burglar deterrents in colors that match your existing landscaping.
4. Install Short Privacy Fencing
Tall fences and tree barriers increase privacy, but they also obscure burglars. Install short fencing with an open design instead. If you already planted trees or shrubs, trim them so that the canopy starts at eight feet or higher off the ground.
5. Turn on the Lights
Most outdoor landscaping includes lighting of some sort. Opt for strategically placed motion-activated lighting as you reduce your chances of being burglarized. Place these lights near all your doors and windows and along pathways. They frighten burglars away and warn you when someone walks near your home.
Your home’s landscaping adds beauty and value to your property. It also deters burglars. Talk to your insurance agent today and discuss additional landscaping tricks that deter burglars and protect your home.
According to the Social Security Administration, one in four 20-year-old employees will become disabled by their sixty-seventh birthday. What would you do if an injury or illness prevented you from working? Unless you have accumulated adequate savings, you may have trouble paying your daily living costs. Protect your right to earn a living and receive peace of mind with disability insurance.
What is Short-Term Disability Insurance?
While this type of policy won’t cover the full amount of your regular wages, it will pay 60 to 70 percent, which is better than nothing. Your policy will outline the wait period, which could be as long as two weeks or as short as one day. Under short-term disability, you’ll receive replacement wages for up to six months.
What is Long-Term Disability Insurance?
Designed for extended or permanent times of illness or disability, long-term disability insurance begins after short-term disability ends. You might be able to extend your policy benefits annually, depending on the policy.
You Can’t Rely on Social Security
You may put off purchasing disability insurance because you think you will automatically qualify for social security benefits when an injury or illness prevents you from working . That’s not true. Your claim could be one of the 50 percent that are denied. If you are approved, benefits won’t start for at least six months and may be a faction of the income you need.
Your Pension may not be Enough
A pension from the government or a private company may provide disability benefits. They typically are reduced, though, based on the permanence of your disability and other benefits you may receive.
You can’t predict when a devastating illness or injury will happen. However, it could jeopardize your ability to work. Talk to your insurance agent to determine which disability insurance fits with your overall financial plan as you obtain financial peace of mind.