6 Key Steps On How to Pass Your Life Insurance Medical Exam
Before making a commitment to their clients, life insurance companies require you to take a medical exam in order to find out the best policy for you.
In order to get the best possible coverage without having to pay a stiff price, you must have an idea how to pass the life insurance exams.
You have a few options when getting your medical exam but most opt for a paramed exam to be performed at their home or place of employment.
Whichever the case may be, you should follow the proper steps on how to pass your life insurance exam as it could significantly change the cost, quality and coverage of your life insurance.
1) Know What To Expect
If you have relatives or friends who have been into medical exams from the same life insurance company, ask what tests were included. You may also get information from the insurance company by asking what you would need to bring and what you can and cannot do on the day prior to the exam.
If applying for a life insurance policy through us, here’s what you can expect. We will schedule a free medical exam (if required) at a convenient time and location for you. The qualified medical examiner will:
- ask you medical questions;
- measure your height, weight, blood pressure and pulse; and
- collect blood and urine specimens.
Having a fiber-rich diet and taking a lot of fluids will really help in flushing out toxins from your body. Do not drink coffee, tea or soda as caffeine will make you look bad on the results. Stop smoking and drinking alcohol. Having high levels of nicotine or alcohol in your system will make them consider you a high risk client and will certainly not help in getting the best insurance policy. If you have a pre-existing condition, reference our resource page on getting approved for high risk life insurance.
Warning: Do not smoke or chew tobacco a few days before the exam. I actually had a client that did this even though they aren’t typically a smoker and it more than doubled their rate. Life insurance rates for tobacco users is not cheap!
3) Watch Your Diet
Eat the right foods well ahead of schedule. Avoid eating foods that are abundant in salt, cholesterol, fats and sugar. Insurance companies will certainly be looking if you have kidney or heart problems, hypertension and diabetes. Showing health problems in any of these areas will have a major effect on the price of the insurance policy you will be getting.
4) Have Enough Rest
You should get enough sleep and avoid strenuous activities within 24 hours of the exam. Certain critical parameters could get affected by lack of rest, like high blood pressure. Although elevated readings maybe temporary, the effect on your insurance policy could be long-term.
5) Avoid Pain Medications
Certain medications skew the results for tests aimed at evaluating the health of your liver. Under the guidance of a medical professional, avoid taking medications at the day of your life insurance medical exam. However, if you do take pain or other medications, inform the medical staff and insurance representative about the kinds you are taking. You may also have to provide the contact information of the doctors giving the prescription.
Stop eating 8-12 hours before the test. This will have the direct impact of lowering the amount of cholesterol and sugar in your bloodstream. For this reason, it is also best to take the medical exam for life insurance early in the morning, so you would not have to fast until lunchtime. Knowing how to pass life insurance exam will not only help you save and get the best insurance policy. If you have the willingness to apply the ways mentioned above for the long run, they will surely have a positive impact on your overall health and well-being; enabling you to enjoy life more.
Getting Better Results from the Medical Exam
Now that you understand how to pass your life insurance medical exam, you need to understand ways that you can get lower rates for your policy. The medical exam is going to play a huge role in how much you pay for your insurance coverage. A few simple changes could save you hundreds of dollars on your life insurance plan.
The first thing that you should do is start a healthy diet and get regular exercise. As we mentioned earlier, both of these are going to help you pass your exam, but they could also help you keep more money in your pockets as well. Diet and exercise can help you lose weight, lower your cholesterol, lower your blood pressure, and drastically reduce your risk of being diagnosed with severe health complications.
The next way that you can get better results from the medical exam is to eliminate any tobacco that you currently use. If you’re a smoker, you can expect to pay much higher premiums for your life insurance plan. In fact, smokers are going to pay twice as much versus what a non-smoker is going to pay for the same amount of coverage. If you want to get the most affordable life insurance, you’ll need to kick the bad habit once and for all.
The best way to ensure that you’re getting the lowest monthly premiums is to work with an independent insurance agent. Unlike a traditional agent, independent agents work with dozens of highly rated companies, which means that we can bring all of the lowest insurance rates directly to you.
There are thousands of different insurance companies on the market, which means that you could spend weeks calling different agents trying to find the best company. Instead, let us do all of the hard work for you.
No Medical Exam Life Insurance Policies
Now that you understand what’s going to happen during the medical exam and how to pass it, you may decide that you no longer want to go through the medical exam process. One option is to purchase a no medical exam policy.
As you can guess from the name, no medical exams will give you life insurance protection without being required to take the medical exam. There are several advantages and disadvantages to these plans that you should be aware of when you’re shopping for life insurance coverage.
The biggest advantages is that anyone can purchase one of these plans, regardless of your health or results from the medical exam. Everyone deserves to have life insurance coverage, regardless of any pre-existing conditions, and no medical exam plans are a great way to do that.
Another advantage to these plans is that you can get life insurance much quicker than you would be able to with a traditional plan. With a normal plan, you’ll have to wait several weeks, or even a month until you get protection. With a no medical exam, you can get life insurance in a matter of days. With some insurance companies, you can get approved for life insurance in a matter of hours. If you want to get life insurance as quickly as possible, then these are going to be the best choice for you.
Just like every other kind of life insurance, there are going to be some disadvantages to these plans that you should be aware of before purchasing one of them. The biggest disadvantage is that you are going to pay more for these policies than you would with a traditional life insurance plan. The goal of the policy is to give the insurance company an overall picture of your health, but without that picture they are taking a greater risk to give you insurance. They are going to offset that risk by charging you higher monthly premiums.
Another disadvantage to these policies is that you’ll be limited on how much life insurance you can purchase. With most insurance companies, you’ll only be able to buy around $250,000 of life insurance without taking a medical exam. There are some companies that will allow you to buy more, but those are rare. If you need more life insurance than that, you’ll have to purchase two policies or apply for a traditional plan.
Life Insurance and Medical Exams
There are a lot of people that are worried about the medical exam and everything that has along with that exam. If you’re applying for insurance, don’t worry about the exam. It’s easier than having to go to the doctor. The whole process will take less than an hour.
Life insurance is one of the best purchases that you’ll ever make for the future of your family. It’s the best way to ensure that they have the money that they need, regardless of what happens to you. If you’re looking to get the best plan, please contact one of our agents today. We would be happy to answer any questions that you have and help connect you with the best plan to meet your needs.
Because you never know what’s going to happen to tomorrow, you shouldn’t wait any longer to get the life insurance protection that your family deserves.