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  • Life Insurance Physical Warning

    I'm about to get a physical for a life insurance policy, and this was the *warning* at the end of the "how to prepare" page:

    "Starving yourself for two days may not be the smartest way to lower your cholesterol. Try eating healthy, low-fat, low-cholesterol foods for two days instead. Remember, your brain needs glucose!"

    Geez, I hope I pass!
    Results Pics:
    http://www.marksdailyapple.com/forum...d6138-245.html

    Mandolin's Primammalian Cave Wall

    Vegetarian=an old Indian word meaning "lousy hunter"

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  • #2
    I was referred to my companies health insurance provider's Healthy Food Choices hotline due to my survey responses. I am pretty sure it was the fat intake question and lack of "whole wheat" that did it. They didn't stop calling me for weeks.

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    • #3
      Originally posted by Fideo View Post
      They didn't stop calling me for weeks.
      Greeaaaattt...why am I thinking this might turn out badly?
      Results Pics:
      http://www.marksdailyapple.com/forum...d6138-245.html

      Mandolin's Primammalian Cave Wall

      Vegetarian=an old Indian word meaning "lousy hunter"

      iHerb.com $5 off first order code: AMA998

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      • #4
        I would just tell them what they want to hear rather than be bothered by them for weeks. It doesn't matter how you explain your diet if its not what they want you to eat. Just tell them you eat low-fat, low-cholesterol foods.

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        • #5
          I get regular lipid panels when my endo checks my thyroid levels, and I've found that the cholesterol is very malleable in terms of what I ate the day before! If I eat salmon instead of steak the day before the blood draw, my numbers will be much better than if I eat the steak. I've never done this deliberately; just noticed the differences that my day-before-eating creates. I don't think those numbers are as 'reliable' as doctors and insurance companies want us to believe. If I were being tested for insurance purposes, I'd eat a BA salad with EVOO the day before, fish as my protein, and a large dose of my fish oil supplement.

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          • #6
            If you have higher cholesterol they want to charge lots more for life insurance. Perhaps they will soon figure out that they will have to pay out less for those of us not on the SAD.
            This time, like all times, is a very good one, if we but know what to do with it. Ralph Waldo Emerson

            Any given day you are surrounded by 10,000 idiots.
            Lao Tsu, founder of Taoism

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            • #7
              ^^I have a somewhat similar situation going on but it involves smoking. I quit a while back with the help of an e cig which I still use. I am still treated like a smoker because the e cig juice contains nicotine. It is really aggravating, but there is no way around it.

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              • #8
                Originally posted by Fideo View Post
                I was referred to my companies health insurance provider's Healthy Food Choices hotline due to my survey responses. I am pretty sure it was the fat intake question and lack of "whole wheat" that did it. They didn't stop calling me for weeks.
                I'd just lie on the survey & have no moral qualms

                If the system is setup against you and based on myths and not truths.....
                Starting Date: Dec 18, 2010
                Starting Weight: 294 pounds
                Current Weight: 235 pounds
                Goal Weight: 195 pounds

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                • #9
                  I don't know why I'm suddenly so leery of answering these questions directly to insurance companies. My current health insurer is offering $35 cash to "register" for some sort of ongoing healthy lifestyle makeover advice. I prefer to keep things between me and my MD. Thankfully my life insurance has no exam requirement.
                  Wheat is the new tobacco. Spread the word.

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                  • #10
                    I'm so glad we don't have this kind of crap in Canada. Or have I just not experienced it yet??
                    Ramblings of an Unamused Mouse (Lots of Food Porn, Too!)

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                    • #11
                      Originally posted by IvyBlue View Post
                      I don't know why I'm suddenly so leery of answering these questions directly to insurance companies. My current health insurer is offering $35 cash to "register" for some sort of ongoing healthy lifestyle makeover advice. I prefer to keep things between me and my MD. Thankfully my life insurance has no exam requirement.
                      no but they do have access to the Medical Information Bureau
                      Starting Date: Dec 18, 2010
                      Starting Weight: 294 pounds
                      Current Weight: 235 pounds
                      Goal Weight: 195 pounds

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                      • #12
                        Originally posted by kenn View Post
                        no but they do have access to the Medical Information Bureau
                        I'm not naive enough to think they don't have access to it but there would have to be a reason for the query v volunteering it directly into their database.
                        Wheat is the new tobacco. Spread the word.

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                        • #13
                          Originally posted by Unamused Mouse View Post
                          I'm so glad we don't have this kind of crap in Canada. Or have I just not experienced it yet??
                          Some extended medical plans or life insurance plans will ask for medical information and/or a physical, but they seem to be less intrusive than what people in the US get. I think it's because extended medical plans cover stuff like prescriptions and "enhanced" services rather than core health care, so they're not as concerned about your risk factors.
                          “If I didn't define myself for myself, I would be crunched into other people's fantasies for me and eaten alive.” --Audre Lorde

                          Owly's Journal

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                          • #14
                            Originally posted by Unamused Mouse View Post
                            I'm so glad we don't have this kind of crap in Canada. Or have I just not experienced it yet??
                            Mortgage insurance requires a physical by nurses representing the insurance company as well as a survey of general life style, history of illness in your family, diet etc. Of course mortgage insurance is a bit of a scam as it is much much higher than life insurance and ONLY covers your mortgage payments and nothing else, no money for a funeral or to support a spouse or children. Basically the bank gets paid off and that is it. I was pretty surprised how many times they continued calling us even after I told them I was not interested.
                            The doctor of the future will give no medicine, but will interest his patients in the care of the human frame, in diet, and in the cause and prevention of disease. - Thomas Edison

                            Vancouver Island Primal and Paleo Living <<< join our Facebook Group

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