The life insurance medical exam can make or break your bank, based on what health rate class you are ultimately approved at. The following life insurance medical exam tips are meant to provide insight on how you can obtain the best rate class. But before you even take an exam, make sure you are applying with the right company.
We work with the:
- top rated best life insurance companies in the United States, as well as
- the best no medical exam life insurance companies.
Run some life insurance quotes and see if the company you are applying with is in the top 15 for price. Make sure you are applying with a company that will give you the best price for your specific health profile.
Not sure who will offer the best price for life insurance for your specific health condition or lifestyle? Give us a call today for a free consultation. And if you already applied with another carrier or agency don’t worry, you can apply with more than one company.
Tips on Acing Your Life Insurance Medical Exam
Many of our clients have life insurance paramedical exam questions. The most common has to do with why people come back at a different rate class than applied for.
We find that one of the major reasons that people applying for life insurance come back at a different rate class or are declined for life insurance is simply due to a lack of understanding of what the life insurance exam entails.
Therefore, it is our goal to inform our clients of the various tips and insight we have gathered over the years on how to get the best results on a life insurance paramedical exam. The following article is the fruit of that labor.
Our goal at TermLife2Go is to save you time and money. The best way to do that is to get you the best results on your life insurance paramedical exam. So here are some preparation tips for your life insurance physical exam and what the life insurance exam involves.
Our desire is that our clients find the most affordable life insurance. You might be seeking to protect your family as the primary bread winner or trying to fund a buy sell agreement, purchase key man business insurance, or fund an irrevocable life insurance trust. Whatever your need, we are here to help. Please don’t hesitate to call us with any questions you may have.
Also, if you hate needles and/or need coverage asap, for things such as life insurance to secure a small business loan or to meet the requirements of a divorce settlement, consider going with a top no exam company.
Life insurance medical exam tips:
Hopefully this article covers all your life insurance medical exam questions regarding preparation and tips for getting the best results. You might also want to read our companion article, what do life insurance companies test for? for a more in depth look at exactly what life insurance companies are looking for on your exam.
6 tips for acing your life insurance medical exam
- #1 Choose the right company
- #2 Beware of your diet
- #3 Hydrate
- #4 Avoid exercise and alcohol
- #5 Fast in your sleep
- #6 Final preparation tips
- Focus on eating things that improve your blood work. Leafy greens, such as spinach, broccoli, kale, chard and salads, help to lower your blood pressure and cholesterol levels. How important are low cholesterol and blood pressure numbers? Elevated blood pressure and cholesterol levels are the number one #1 reason life insurance applicants come back at a different rate class than originally quoted. If you believe you may have issues with your blood work, consider no medical exam versus exam life insurance where there is no blood draw.
- Also, avocados, nuts and salmon are great at raising your HDL (good cholesterol) level, which is the primary concern of life insurance underwriters. Underwriters are looking at two cholesterol numbers. One is your total cholesterol and the other is your HDL ratio. You can have a high total cholesterol number but your HDL ratio needs to be excellent. The more good cholesterol you have the better. That is why focusing on foods that improve your HDL before you take your exam can save you a lot of money by avoiding a lower rate class or by qualifying for a higher rate class.Further, foods high in soluble fiber help increase your HDL levels. Some examples are apples and oranges. Also, it has been shown in studies that a glass of wine with dinner can help raise HDL levels. Some other options to help your HDL levels are olive oil, peanut butter, oats, orange juice and fish.
- Stay away from processed foods high in salt and sugar (e.g. fast food). Foods high in sodium can elevate blood pressure. Foods high in sugar could elevate your blood sugar levels. Why take the risk? Life insurance exam 101 tip: It is better to avoid these high sugar and salt types of foods before you take your life insurance exam.
- Drink a lot of water in the day leading up to your life insurance physical exam. This will flush out your system and make it easier for your examiner to draw blood. That is right, plenty of water makes for full veins, and full veins make it easier for the nurse to find a vein that can be used.
- (Have a fear of needles? Consider a no medical exam vs exam policy).
- Limit coffee, which acts as a diuretic and causes you to urinate more. And completely avoid coffee the morning of your medical exam for life insurance as it can cause elevated blood pressure, one of the #1 reasons people come back other than applied for.
- Exercise can elevate your blood pressure and may also cause elevated proteins in your urine.
- Life insurance health exam tip: Lay off the exercise for 24 hours before your exam to make sure your body is clear of any potential issues.
- Also, consider laying off of the supplements (such as
creatine) for a few days. At times, creatine in the urine can cause an underwriter to offer a rate other than applied for. This leads to the client having to retest with their primary care physician to show that they have no health issues. Retesting causes additional time and money. Avoid this scenario by laying off the supplements (whey and casein protein powders, creatine, etc…) for a day or two before your life insurance physical exam.
- No alcohol (think beer and liquor) for 24 hours before your medical exam for life insurance. Alcohol is high in calories and sugar and has a direct effect on triglycerides (However, a small glass of wine might benefit you, see HDL above). Plus, it does not look good to have blood work or a urine sample high in alcohol levels. Instead, take 24 hours to detox before your exam for life insurance.
- When preparing for your paramed exam it is important to fast. If you do not fast you risk elevated blood sugar levels and blood pressure levels. The last thing you want is a false positive on your life insurance physical exam.
- If you are concerned about fasting for 8 hours, consider taking your life insurance exam first thing in the morning. That way you can simply fast in your sleep, wake up and take your exam. Just don’t eat while you sleep.
The day of the physical exam is here. By now you should be able to answer the question: “How do I pass my life insurance health exam?” However, there are a few more life insurance medical exam preparation tips to be aware of:
- The morning of your life insurance medical exam you should have a glass of water in expectation of a urine sample, but
- no breakfast or coffee until after the examiner has taken your labs. You want your body to be free of anything that could affect your lab results. Better to avoid coffee and breakfast that to take the chance that your lab results from you life insurance exam come back other than stellar.
- Blood draw tip: Keep your arm straight and your elbow locked to prevent any pain and keep your veins popping out. Believe us when we say we understand about not wanting to do a blood draw. However, this life insurance paramedical exam tip makes the blood draw easy peasy!
- Wait to take your blood pressure if you feel overly stimulated. Sometimes the idea of a health exam for life insurance can cause people’s heart to race. If you find your heart racing, wait to have the examiner check your blood pressure until you have calmed down.
- If you have an EKG scheduled, make sure you have a couch to lay down on. Give the paramedical examiner a moment to set the machine up properly.
- Dress in light clothing. Sometimes the difference between one rate class or another is one measly pound. Don’t take any risks on your medical exam for life insurance. Wear shorts and a t-shirt. A sweater can weigh as much as two pounds. Deal with the cold and ditch the sweater, at least for the exam.
- Finally, when the examiner measures you, stand up nice and tall. Life insurance carriers use a build chart to determine what rate class you qualify for. The taller you are the more weight you can carry. Stretching your neck out for one more inch could mean hundreds of dollars in savings!
So there you have it—Termlife2Go’s life insurance medical exam preparation tips. Of course, you can bypass this list if you simply choose life insurance without a medical exam. But if you follow this easy advice to passing your life insurance physical exam you should have no problem qualifying for your best rate class. Once you have completed your medical exam then it is off to the rest of the process…
The rest of the life insurance process
Once the examiner is done administering your life insurance medical exam they may ask some additional questions about your health history. This will depend on the particular carrier and on how much information you submitted to your life insurance agent prior to taking your life insurance physical exam.
The examiner will then submit your labs to a lab processing company. And that company will—you guessed it, process your lab work (i.e. screen your blood and urine for any negative health markers or drugs).
The lab processing company will then submit the findings to the life insurance underwriter. At times, an attending physician statement from your doctor or doctors will also be requested.
The life insurance underwriter will then review your lab results and offer you life insurance based on those results. Your results will determine your rate class: Preferred Plus, Preferred, Standard Plus, Standard and Table Rated (B-H).
TermLife2Go will then review your approval and make sure you have been approved at the appropriate rate class. At times it is necessary for us to “shop” your results with another life insurance company if we are not happy with the rate class you have been offered.
For more on this see TermLife2Go’s 4 Step Process for getting clients approved for life insurance. Read this article if you applied with another carrier or agency. You can take multiple exams when looking for life insurance. It does not cost you anything to take another exam with a different carrier and it could save you thousands of dollars over the term of your life insurance policy by choosing TermLife2Go as your life insurance agency.
So, what are you waiting for? Give us a call today and see what we can do for you!
Thank you for reading our article, 6 Life Insurance Medical Exam Preparation Tips that Yield Big Savings. If you have any questions please leave a comment below.