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.


If you have relatives or friends who have been into medical exams from the same life insurance company, ask what tests were included. Calories to lose weight calculator 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. Paleo breakfast casserole We will schedule a free medical exam (if required) at a convenient time and location for you. Exercise is medicine quote The qualified medical examiner will:

Having a fiber-rich diet and taking a lot of fluids will really help in flushing out toxins from your body. Weight loss team names for teachers Do not drink coffee, tea or soda as caffeine will make you look bad on the results. R exercises Stop smoking and drinking alcohol. Lose weight fast diets that work 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. Paleo diet menu 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. Pcos and exercise I actually had a client that did this even though they aren’t typically a smoker and it more than doubled their rate. The best diet for me Life insurance rates for tobacco users is not cheap! 3) Watch Your Diet

Eat the right foods well ahead of schedule. Menu for low carb diet Avoid eating foods that are abundant in salt, cholesterol, fats and sugar. Example of low carb diet Insurance companies will certainly be looking if you have kidney or heart problems, hypertension and diabetes. Paleozoic era map Showing health problems in any of these areas will have a major effect on the price of the insurance policy you will be getting. Losing weight over 50 4) Have Enough Rest

You should get enough sleep and avoid strenuous activities within 24 hours of the exam. Lose belly fat without losing weight Certain critical parameters could get affected by lack of rest, like high blood pressure. Weight loss tips for obese Although elevated readings maybe temporary, the effect on your insurance policy could be long-term. Weight loss 6 months 5) Avoid Pain Medications

Certain medications skew the results for tests aimed at evaluating the health of your liver. Weight loss agents Under the guidance of a medical professional, avoid taking medications at the day of your life insurance medical exam. L carnitine weight loss dosage However, if you do take pain or other medications, inform the medical staff and insurance representative about the kinds you are taking. A healthy diet should You may also have to provide the contact information of the doctors giving the prescription. Exercise in spanish 6) Fast

Stop eating 8-12 hours before the test. Paleo diet menu plan weight loss This will have the direct impact of lowering the amount of cholesterol and sugar in your bloodstream. Exercise calendar to lose weight 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. Omega 3 weight loss testimonials Knowing how to pass life insurance exam will not only help you save and get the best insurance policy. Weight loss inspiration pinterest 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. Weight loss quotes funny 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. Healthy diet to lose fat The medical exam is going to play a huge role in how much you pay for your insurance coverage. Exercise at home app 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. Exercise pictures cartoons 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. Paleo zucchini fritters 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. Paleo diet science If you’re a smoker, you can expect to pay much higher premiums for your life insurance plan. Exercise music playlist 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. Losing weight after 50 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. Exercise benefits mental health 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. Low carb diet recipes Instead, let us do all of the hard work for you. Losing weight by not eating carbs 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. Exercise is medicine on campus 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. Exercise prescription form 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. Exercise science jobs mn 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. Weight loss breakfast smoothies With a normal plan, you’ll have to wait several weeks, or even a month until you get protection. Protein diet results With a no medical exam, you can get life insurance in a matter of days. How to eat and lose weight With some insurance companies, you can get approved for life insurance in a matter of hours. Exercise schedule at home 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. Weight loss on zoloft The biggest disadvantage is that you are going to pay more for these policies than you would with a traditional life insurance plan. Diet plan meals 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. Best diet for abs and lean muscle 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. Exercise motivation tips With most insurance companies, you’ll only be able to buy around $250,000 of life insurance without taking a medical exam. Losing weight with diabetes There are some companies that will allow you to buy more, but those are rare. 3 month weight loss results If you need more life insurance than that, you’ll have to purchase two policies or apply for a traditional plan. How to lose weight with pcos naturally 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. How to lose weight naturally at home remedy If you’re applying for insurance, don’t worry about the exam. Exercise meaning in urdu It’s easier than having to go to the doctor. Youtube exercise videos 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. Weight loss meditation music It’s the best way to ensure that they have the money that they need, regardless of what happens to you. Best diet for pcos and ibs If you’re looking to get the best plan, please contact one of our agents today. Exercise benefits aging 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.

Jeff Rose+ is a Certified Financial Planner™ in Illinois and the CEO/Founder of Alliance Wealth Management, LLC. Exercise quiz He’s seen first hand the importance of having life insurance and encourages everyone to get a free term life insurance quote today.

RSS feed or via email to receive all the latest articles! Have a question?

Leave a Reply

Your email address will not be published. Required fields are marked *