7 Strategies How to Pass Life Insurance Medical Exam
While it’s better to be healthy all the time, there are things you can do right now to enhance your medical exam results.
There are two options if you’re thinking about getting life insurance. You can either buy a policy that does not require a medical exam or buy a policy that requires one. The second option is less costly if your exam goes well. Taking steps to improve your results is a rewarding effort.
Learn how to pass life insurance medical exam and get your best rate with these seven strategies:
Avoid consuming alcohol for at least 48 hours before the appointment. While alcohol feels relaxing, it contributes to increased blood pressure. Blood pressure that is high can raise your rate by 20%. If it’s too high, you can be out of luck altogether.
Avoid caffeine for 48 hours. Like alcohol, caffeine can raise blood pressure. It can raise your heart rate and create an irregular heartbeat.
Remember that it’s not just coffee that contains caffeine. Tea, soft drinks, pain relievers, and cold medications can have caffeine. Small amount can have a considerable effect in some people.
Drop excess weight. This tactic requires more time than the previous two, but it’s important. Obesity is a risk factor for many common causes of death. Just a few pounds can move you into the next rate category. Lose weight and save cash.
Stop smoking., if you’ve smoked for the last 30 years but have quit for the last few months, you’re considered a non-smoker. This is the most important tip. Smoking can increase your premium by 200%. That’s a three-fold increase. Eliminating your smoking habit can decrease your premium by two-thirds.
If you continue to smoke, avoid smoking for at least an hour before the exam. It will improve your blood pressure and pulse.
Avoid the health club for 24 hours. Over-training can cause unusual blood pressure, pulse, and other blood values. Any exercise before your appointment can have negative effects. Avoid working out for 24 hours and give yourself a longer break if you’ve been pushing yourself hard at the gym.
Eat healthy for at least two meals leading up to the appointment. Even one meal of fatty meat can raise lipid and cholesterol levels for a short period.
Eat well for at least three weeks before your exam. According to research, any diet will produce a maximal improvement in blood results after just three weeks.
Rest and relax. A good night’s sleep will lower your pulse and blood pressure. Give yourself plenty of time to arrive at your appointment. Being late is likely to increase your anxiety.
If your blood pressure is high, ask to have it rechecked toward the end of the appointment. It’s likely it will have improved.
Most of these tips require a few days to put into action. A few require more time but are likely to influence the cost of your life insurance premiums. Cram for your life insurance medical exam and lower your rates. You can enjoy a genuine increase in your health.
How to Pass Life Insurance Medical Exam- More Resources
You can’t erase evidence of a lifetime habit of cheeseburgers and cigarettes before a life insurance medical exam. But you can avoid mistakes that lead to false test results and higher life insurance rates. A life insurance medical exam takes about 20 minutes.
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