Qualifying for life insurance near or just after taking a Fluzone vaccine shouldn’t really factor into the typical life insurance application. This is because, Fluzone is simply a vaccine that is used to prevent the infection of the influenza virus.
The Fluzone vaccine is redeveloped each year to contain specific strains of inactivated flu virus’ that are recommended by public health officials for that year. The Fluzone vaccine works by exposing the individual to a small dose of the virus which helps the body to develop immunity of the disease.
Fluzone will not treat an active infection that has already developed in the body.
Now we might sound a bit petty here, but we always like to give our clients the best opportunity for success which is why we’ll just bring up this one point. If you are considering applying for a life insurance policy that DOES require that you take a medical exam, give yourself 24-48 hours recovery time from your actual vaccination.
This is because…
With a Fluzone vaccine, you will actually be exposed to a small virus count. Now it will be an “inactivated” virus, but it’s not completely unheard of to experience flu like symptoms 24-48 hours after taking a Fluzone vaccine.
Now, will this mess up your life insurance application?
No, probably not, but don’t you want to be feeling your best when your taking your medical exam for your insurance policy? This is way we generally recommend that you hold off for 24-48 hours after your vaccination as well as do a couple other things in preparation for your exam. After all, the last thing that we would want to do is take your life insurance medical exam when you’re not feeling your best.
In fact, we typically like to give our clients the following advice when preparing for their medical exam. Tips for your exam:
- Your medical exam is a “fasting” exam, so you’ll want to avoid any food for at least 12 hours prior to taking your exam.
- Stay hydrated, its healthy and will facilitate your blood draw.
- Try to schedule your exam first thing in the morning. Generally speaking one’s blood pressure, cholesterol and blood sugar levels will be at their lowest first thing in the morning. Additionally, it much easier to fast while sleeping!
- Don’t drink any coffee before your exam.
- Don’t drink any alcohol the evening before your exam.
- Try to avoid all tobacco products for at least 12 hours prior to your exam.
- And avoid and strenuous exercise for at least 24 hours prior to your exam.
The last thing that we’ll generally recommend that our client do is remember to just relax and take it easy!
One last bit of advice…
That we’ll give here is, be sure that your agent reviews any “No Medical Exam” life insurance options with you!
Now if you’re NOT working with a life insurance brokerage with dozens of different life insurance options, your choices may be slim. However, as a general rule of thumb, we always try to first exhaust all “No Medical Exam” term and whole life insurance options first so that if possible we can avoid prolonging the application process in addition to avoiding a “blood draw”, ouch!
Here at TermLife2Go, we’ve chosen to remain an independent life insurance brokerage that is capable of working with dozens of different life insurance brokerage which allows our clients to simultaneously “shop” these different life insurance companies as the proceed through the application process.
So what are you waiting for? Give us a call today and see what we can do for you!
Last thing before you go…
We know we’ve talked a lot about what rate you might be able to qualify for based on your pre-existing medical conditions but until now, we haven’t talked at all about price! So, let us know direct you to our Life Insurance Quotes page when you have a chance since it will provide you with dozens of quotes instantly and see if we have a policy that might fit within your budget.
And since we still have your attention…
It’s fair to say that most people who decide to purchase a life insurance policy do so that they can protect their loved one’s financial future in the event of their death.
But what happens if you get sick but don’t die?
Is your family’s financial future still protected? Probably not. Which is why we would encourage you to also take a look at the following articles which will discuss some other “types” of life insurance policies that can not only protect your family’s financial future, they could also significantly help our your own as well.