We Still Have a lot of Work to do

It's already the middle of September and you have probably heard by now that September is Life Insurance

Awareness Month (LIAM). You know...that industry-wide educational campaign designed to encourage everyone to take a serious look at their life insurance needs?

This year's celebrity spokesperson is retired NFL quarterback, Boomer Esiason. At the age of only 7, his mother died of cancer and did not have any life insurance. “I was handed a life lesson early, growing up with one parent,” says Boomer, “It wasn't the easiest life—my dad sacrificed a lot.” It's because of his own experience that he knows how important life insurance is for his family and he wants you to know that if something happens and you haven't done the planning, the people you leave behind will feel the brunt of your mistakes.

View the important LIAM message from Boomer for insurance professionals on MVP's home page or on our You Tube Channel.

Despite this industry-wide campaign and our day job, 85% of Americans say most people need life insurance, yet only 62% have coverage and those that have it, don't have enough. This is why what we do is so important! Helping families plan for something is better than nothing and it's very apparent that we still have a lot of work to do.

If you haven't gotten started yet, it's not too late, and it's momentum can carry you through the end of the year. Get LIAM Campaign Resources here

Prevent What Can Go Wrong with Insurance Exams

Most of us take insurance examinations for granted until something goes wrong. Very often we discover with very little effort that we could have avoided the problem in the first place if we had just taken the time to prepare our clients. Here's some information for you to pass on to your clients to help them get the best insurance classification and also have the best experience when preparing for their paramedical exam.

Tell your client to avoid strenuous exercise for 12 hours prior to the exam. Strenuous exercise, such as training for long runs can put stress on the liver and kidneys and negatively affect the lab results for liver function levels.

Remind your weekend warriors to avoid taking pain killers, such as Tylenol, Ibuprofen, etc., as these also can raise the liver function levels.

Fasting is no longer required by our carriers BUT, a good rule of thumb is no food for up to six hours prior to the exam. The food intake, while having no effect on the cholesterol, can elevate the glucose and triglyceride scores. It's also a good idea to limit salt and high-cholesterol foods 24 hours prior to the exam.

Drink a lot water the day before the exam and one glass about an hour before the test. Water is our natural purifier and will help flush impurities from our system. Avoid caffeine and nicotine prior to the exam too, as they can increase our blood pressure.

It's also a good idea to avoid drinking alcoholic beverages at least 12 hours prior to an exam and to get a good night of sleep the night before.

Share this video with your clients: How to Prepare for Your Life Insurance Exam*
or this brochure: Preparing for a Paramedical Exam*

Here's some interesting facts to share with your clients: The Center for Disease Control predicts that half of adult Americans will be obese by the year 2025. A high majority of those people will suffer from diabetes and 25% of those people will be unaware of any health problem. Perhaps we won’t be living as long as we think and life insurance might just be a valuable asset?

*MVP Financial Services, Inc. does not endorse any one or particular paramedical exam service.