How to get the lowest rate on your life insurance

October 18 2018


When you’re applying for an individual life insurance policy, you’ll usually need to complete a simple medical exam administered by a paramedical professional.

Follow these steps to prepare for your exam so you can minimize your chances of inaccurate test results and set yourself up to receive a fair rate on your policy.

When to Eat

Read and follow your pre-exam directions. If you’re supposed to fast for eight to 10 hours, make sure you do. Fasting properly means you won’t get a false positive on blood glucose tests for diabetes or artificially high cholesterol levels because of something you ate. Don’t even drink black coffee the morning of, as caffeine can increase your blood pressure. 

Tip: If you accidentally eat something before your test, ask the examiner if you need to reschedule. 

What to Eat

You may also want to pay attention to what you eat and drink for at least 24 hours beforehand. Avoid alcohol, skip salty foods and drink plenty of water. Consuming too much alcohol, too much sodium or not enough water can throw off test results for liver and kidney function as well as urine concentration. It’s also easier to give blood when you’re well-hydrated.

Exercise Considerations

Finally, avoid tough workouts in the 12 to 24 hours before your exam, as heavy exercise can lead to urinalysis results that may suggest kidney problems and high blood pressure. But a light workout, like a walk, may be a good idea to help you get a good night’s sleep. And, being properly rested can possibly improve your test results by decreasing anxiety and lowering blood pressure.

Thinking over your life insurance options? Reach out if you have any questions.

Thanks so much for reading through my newsletter. Please keep me in mind when you're looking for insurance or financial services.