These 5 tips should improve your results on your life insurance exam.
With better results on your life insurance exam, you should have a lower cost of insurance and could save thousands.
Before I begin, you might be thinking, “Does it really matter if I get a good health rating on this exam?”
YES! Yes, it does.
Especially if you are applying for a temporary term product with level premiums for a specific duration of time, like 10 or 20 years.
The cost of your premiums could double if you get an unhealthy rating.
A simple “YES” to a question or a misunderstood response from the examiner could increase the cost and even decline your application.
So, please, take the exam seriously and follow the below tips.
You can save thousands of dollars a year and make the process much easier.
Let’s get started!
Tip #1 Schedule your life insurance exam early in the morning right after you wake up
Since the examiner will be taking a small blood sample, you will be required to fast for 6 hours prior to your life insurance exam.
Meaning no food, coffee, vitamins, or orange juice; ONLY water before the exam.
If you normally take any medications when you wake up, continue to take your meds at the normal time.
So, the best way to not be hungry or “Hangry” is to have your exam set up right after you wake up.
This will prevent any slip-ups beforehand.
In addition to not being hungry, you will be more relaxed and, hopefully, your blood pressure levels will be lower.
This little, but very important tip will help you get a better rating.
One little sip of coffee or greasy breakfast burrito could dramatically impact your blood pressure or cholesterol levels.
Tip #2 Drink plenty of water before your life insurance exam
Generally, the examiner will ask you for a urine sample when they first arrive at your home.
The urine sample will test for nicotine and drug use.
As well as other disorders and metabolic conditions, such as kidney disorders, liver problems, and diabetes, to name a few.
So, please, drink plenty of water the day before your exam so that you can flush your system of any toxins it might have.
Also, the morning of the exam, drink plenty of water so that you can make sure your urine is as clear as possible.
And so you can actually give a sample.
In addition to having clear urine, you will also improve your overall hydration levels.
Which will make it easier for the life insurance examiner to take a blood sample.
Tip #3 Eat clean, and no greasy foods a few days before the exam
Preparing for a life insurance exam can actually start a few days beforehand.
Leading up to the exam, it is advised to eat as clean as possible.
Meaning more salads and less greasy foods that could impact your cholesterol levels or spike your blood sugar.
The examiner will take a small blood sample and send it to the lab for testing.
The lab will send the results to the insurance company with a few different readings.
Cholesterol, A1C levels, and triglycerides are among the most important results the insurance company examines.
So, eating healthier and leaving out greasy foods a few days before your exam can improve those important levels.
With improved levels, you can receive a better health rating.
Again, with a better health rating, you can potentially lower your cost of insurance saving you thousands.
Tip #4 Listen to each question and only answer what is asked
DISCLAIMER: I am not suggesting that you lie or withhold any important information during your life insurance exam. First off, the insurance company will most likely find out the truth. Second, if you lie and pass away in the first two years, the insurance company has the right to investigate any fraud. If the insurance company finds any false information on an application, they have the right to not pay the claim. I am simply saying to listen to each question and only provide what is needed to answer the questions.
During the life insurance exam, the examiner will ask you a few medical questions.
Let me show you an example of a question.
In the last 10 years, have you received treatment for any stomach pain?
You need to be cautious of how you answer this question.
You want to answer the question truthfully, but at the same time, not provide any unneeded info.
Let’s say you ate too much food on Thanksgiving, and you blurt out YES.
The insurance company might want to order medical records to find out why you had stomach pains.
If the insurance company orders medical records, this could delay the process an additional 2 to 3 weeks!
Think about the question.
In the last 10 years, have you received treatment for any stomach pain?
You might have had stomach pain because you ate too much food.
But you did not receive any treatment, so technically the answer would be NO.
Also, you need to be cautious of the time frame they ask about.
If the question asks In the last 10 years, then only answer the question based on the last 10 years.
So, if something happened more than 10 years ago, you do not need to disclose any info regarding that question.
So, again, please listen to the question and only answer them specifically how they are asked.
If you do answer YES to a question, the examiner will most likely ask follow-up questions.
Again, answer the follow-up questions specifically how they are asked.
Tip #5 Stand up straight and think light thoughts
This tip is very crucial.
Believe it or not, your height and weight play a big role in your approved health rating.
Your height and weight are combined in a formula to calculate your body mass index or BMI.
Your BMI will be measured and instantly compared to other people the same age.
The unfortunate thing is that BMI is black and white.
For example, if you’re 35 years old and you are 5ft 9in tall, then your weight should be in a specific category.
If for some reason you are NOT in that specific weight category, your cost of insurance will increase.
The insurance company generally will provide a large range in each category.
So you don’t have to lose any weight and try to fit in that specific category.
In addition to the range, if you are within a few pounds of getting a better rating, the company will generally give you the better rating.
Now, if you are 30lbs from the better weight class, please don’t delay your exam to try and lose those 30lbs.
For one thing, people rarely lose the weight, and for another, you can always reduce your rating and cost of insurance later.
Since your BMI is based on your height and weight, my tip is to stand as tall as you possibly can.
Try to even get on those tiptoes without making it obvious.
This will push you to a higher height category and allow for a few extra pounds.
The thing to understand here is that the taller you are, the heavier you can be.
So, again, get on those tiptoes and stand up super straight, so the life insurance examiner can give you a few extra inches in height.
As I mentioned in the earlier tips, eat clean and light a few days before and especially within 24 hours of your exam.
Also, don’t drink a gallon of water the morning of, as water weight is a real thing.
Five pounds of water is still five pounds, whether it’s in a bottle or in your belly.
So, keep drinking and going to the bathroom the day before.
This will help flush your system and help you get rid of extra water weight.
So, in conclusion, make sure your life insurance exam is scheduled early in the morning, right after you wake up.
Drink plenty of water the day before to flush out any toxins, and get that urine as clear as possible.
Don’t forget to eat as clean and healthy as possible a few days before the exam.
Also, listen to each question and only answer the questions specifically how they are asked.
And lastly, stand up super straight to get the best BMI rating you can get.
If you follow the above 5 tips, you should be able to get the best results on your life insurance exam.
I hope you enjoyed this post and that you will implement these tips to get the best results.
If you have any questions, simply post a comment below and I will make sure to answer them right away.