Preparing for a Life Insurance Exam

Getting the best possible rate for your life insurance policy may mean that you have to undergo a medical exam. Preparing for this exam is important. The better your overall physical health, the lower your life insurance premium will be.

family-457235_960_720With this in mind, preparing for and being at your best at the time of the medical exam could mean the difference in getting “preferred rate” or getting a “standard rate”.

Here are some things that we at Bragg Insurance Agency advise our clients to do in preparation of the life insurance exam.

  1. Some things that can negatively affect your medical exam and life insurance rates are your height to weight ratio (obesity), and drug and/or alcohol use. If you are slightly overweight try to lose a few pounds before the exam
  2. Try to abstain from using alcohol and caffeine at least 3 days prior to the exam. Also let the examiner know about any prescription drugs that may be in your system.seafood-platter-1232389_960_720
  3. Stay away from fatty foods such as shellfish and poppy seeds for at least 3 days prior to the exam. Shellfish can increase your cholesterol and poppy seeds can cause you to test positive for opium. (Insert Seinfeld Joke Here)
  4. If you are a smoker, the best thing that you can do for the exam and for your longevity is to stop smoking as soon as possible. Smoking and tobacco use cuts about 10 years off of your life expectancy.   While you have to disclose your lifetime tobacco use, kicking the habit makes life insurance underwriting go much smoother.
  5. Schedule your exam for first thing in the morning and before you have breakfast. The exam will come out in your favor if you fast the day before. Scheduling the exam for early the next morning makes this a little easier.
  6. Get plenty of rest. Since you will be fasting anyway, go to bed early the night before the exam and try to relax.sleep-1209288_960_720
  7. The exam could take as long as 30 minutes. Allow yourself some extra time and relax. Your exam results could be negatively affected if you are in a rush, inpatient, or edgy. Relaxation will help your heart rate and your blood work.
  8. Have your photo ID ready and expect some questions from the examiner. They are going to ask you about smoking, drinking, drug use, and any dangerous activities. These are normal questions that are asked of everyone so don’t be offended or surprise, just be ready to give accurate answers.
  9. During the medical exam the nurse will check your height, weight, pulse, and your blood pressure. They will also likely ask for a urine sample and draw blood. In some cases they may even administer and EKG. Again this is all normal, so try to stay relaxed.

Once your exam is completed the insurance company will start the process of determining your rating tier.  Depending on the application and the results from the medical-781422_960_720exam this could go quickly, or they may ask your doctor for a statement in regards to an underwriting question.

If they ask your doctor for a physician’s statement it may take some time for your doctor to respond.  On average it takes about 30 to 45 days for an insurance company to obtain a physicians statement from most doctors.  Your doctor may be quicker to respond or slower.

For more information on life insurance exams and life insurance in general, contact Bragg Insurance Agency at 317-758-5828, or by email at info@bragginsurance.com

 

 

Your Families Greatest Asset

What is your family’s greatest asset? Is it your home, your cars, your boat, or your bank account? Actually your family’s greatest asset is your paycheck.

If your income stopped today how would your family afford the roof over their head, the cars that get them around or the boat that they enjoy on the weekend? And let’s be honest, the money in the bank probably won’t go too far.family-838239_960_720

As an insurance agent working with Bragg Insurance Agency, I talk to people everyday that are eager for us to insure their family’s home, cars, and boat. But many people don’t seem interested in insuring their family’s greatest asset, their paycheck. It’s the paycheck that actually makes these other items possible. Insure your paycheck first, and then insure your home, cars, and boat.

You and your spouse should ask yourself the following 2 questions:

  1. If something were to happen to me and my paycheck, could my family continue to function as it normally does?
  2. Would my family be able to pay the mortgage payment if I died and my paychecks suddenly disappeared?

If you answered “No” to either one of these questions your family is just one heartbeat away from a financial disaster. We have an affordable solution to this serious problem. Please call Bragg Insurance Agency at 317-758-5828 or email brian@bragginsurance.com

Don’t Set It & Forget It

KneeI got good news today from my doctor, telling me that instead of the surgery I was dreading for my worn out knees, that I likely just need Physical Therapy (PT).  For many reasons this is welcomed news as well as an eye opener for me.

The reason for the PT is because years ago I had my knees operated on and then I just moved on with life.  I failed to do any PT after the surgery and the muscles in my legs never fully recovered.  I just moved on and forgot about it.

The bad news is that my knees are now weak and in bad need of PT, the good news is that I can now do something about it.  I met with a physical therapist and he has me on a plan to help me strengthen my knees that will help improve my life.

The attitude that I had about my knees reminds me of the attitudes some people have  toward their insurance plan.

Insurance AgentThey meet with an insurance person once, purchase a policy and then move on with life.  They “Set it and Forget it.”

Insurance is not a “Set it and Forget It”.  It is important that you review your coverages with your agent at least every 12 months.  Another important time to review your coverages is when you have a “Life Event”, such as a wedding, a new driver, or a new room addition to your house.

Don’t treat your insurance plan like I did my knees.  Take the time to review your coverages as often as necessary with your agent.  Life changes and your insurance needs will change with your life.

Sports, Events & Recreation Insurance

Sports and Recreation are American’s favorite pastime, but for many the pastime becomes an obsession.  We put great athletes on pedestals and aspire to be like our favorite sportsman or sportswoman.  This pushes us to work hard to accomplish our goals and win the prize.  And sometimes we go too far.motorbike-438464_960_720

Going to far often times leads to injury or even death.  These injuries can be as simple as a twisted ankle or as a sever as a heart attack or anything in-between, and in our litigious society you better have a plan to cover your team, your league, your facilities and your own personal assets.

Bragg Insurance Agency is excited to offer Sports and Recreation Insurance.  Below is a partial list of some of the sports, events, and recreational activities that we can insure.  Before you hit the field…Call Bragg!

  • Religious Camps
  • Conference Centers
  • Retreat Camps
  • Fairs & Festivals
  • Political Campaigns and Events
  • Tourist Attractions
  • Trade Shows
  • Zoos & Aquariums
  • Motorcycle Dealerships
  • Dirt Bikes an Motocross Bikes
  • Health & Fitness Facilities
  • Skating Facilities
  • Amateur Sports Associations
  • Amateur Sports Events
  • Athletic Conferences
  • Coaches & Officials
  • High School Athletics
  • Sports Camps
  • Racing
  • Tractor & Truck Pulls
  • Climbing Walls
  • Carriage Rides
  • Bowling & Billiard Centers
  • Movie Theaters
  • Social Clubs
  • Gymnastic Clubs
  • Martial Arts Schools
  • Concessionaires
  • AND MANY MORE

 

 

Finding Motivation After a Long Weekend

It’s Tuesday the day after Labor Day Weekend and most people are not excited to be back at work.  So here are some motivational tips that may help you to get back into the groove.sleepy

Make a Plan – It may sound too simple and maybe even a little dull, but making a plan can help you to get more accomplished.  Even a simple checklist can get you going in the right direction.

Get up and Walk Around – Instead of just sitting at your desk  or your workstation like a zombie get up and walk around and greet your fellow workers.  If you job doesn’t allow you to walk around then go for a walk on your lunch time.  Get the blood pumping by moving around.  For every 60 minutes of work, get up and move around for 10.

Turn off the Distractions – Yes this means your phone needs to be either put on silent or just turned off.  Those pesky alerts are distracting enough on a regular day, on a day after a long holiday can really kill your production.

Focus – Focus on one thing at a time.  Instead of multi-tasking and becoming overwhelmed, simply just do one thing at a time.  This will help you to see some success, and success breeds success.

Drink Water – Instead of pounding down that 2nd, 3rd, or 4th cup of coffee, drink water.  Water will hydrate you and give you energy and the ability to focus.  I’m not a barbarian so yes go ahead have a cup of coffee but too much caffeine can make if difficult to focus on one thing and be counter productive.

 

 

 

Insurance Video Library Now Open!

 

Bragg Insurance Agency is excited to announce the opening of our video information Library!  This new tool developed for Bragg Insurance Agency clients will help to answer many of your questions about how your insurance coverages work.  insurance-agent

To visit the Insurance Video Library you can click on the following link.  http://myinsurancevideos.com/all-videos/braggins/

We are hopeful that these 36 videos will help our community to make great decisions about their insurance coverages!

Erie Insurance Earns JD Power Award for 5th Consecutive Year

Bragg Insurance Agency is proud to offer Erie Insurance products and works hard to make the customer buying experience an easy and pleasant one.  Erie’s excellent reputation with how they handle claims along with their awesome buying experience makes Erie a company hard to beat.

Bragg Insurance Agency-final fileOn May 3rd of this year the put out the following press release in regards to the JD Power award.

For the fifth year in a row, Erie Insurance received the highest ranking in Customer Satisfaction with the Auto Insurance Purchase Experience in the J.D. Power Insurance Shopping Study. In 2017, Erie Insurance received a score of 879 out of 1,000.

“In this digital age, we strive to provide our agents with the right tools to reach .  Customers in ways they prefer and expect, but still reflect our hallmark of service,” said Tim NeCastro, president and CEO of Erie Insurance. “A customer might start an insurance search online, but we believe it should end with a handshake.” Erie-Insurance

The Insurance Shopping Study provides a detailed look at the customer experience in shopping for a new auto insurance policy. It explores what prompts someone to shop for insurance and which factors contribute to the purchase decision. Three factors were measured to determine overall satisfaction. They are, in order of importance: price, distribution channel and policy offerings