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 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.