To purchase a life insurance policy, you often have to pass a life insurance medical exam. The exam helps your insurer determine your estimate and plan. Passing a health exam with flying colors can have a substantial impact on the price you will pay. Because you could pay a higher price if you have an illness or are older, we encourage you to purchase life insurance while you are still young, healthy, or both! Check out our tips below to make sure your exam goes smoothly:
Prepare for your exam by drinking a lot of water up to your appointment. If you have high blood pressure, avoid coffee the morning of your exam as it can cause elevated blood pressure. Opt for a glass of water that morning instead.
A good night's rest will do wonders on exam day for your overall health, but especially your blood pressure. Arrive early for your exam and relax to lower your blood pressure and calm any nerves.
If you quit smoking for 12 months, you are legally considered not to be a smoker. Smoking bumps up your rate significantly, so try to quit if possible. Quitting tobacco can be tough due to its highly addictive nature and intense physical withdrawal symptoms. Make sure you get the support you need throughout the quitting process.
If you've followed the tips so far and have a life insurance medical exam coming up, you are on the right track! If you have any questions about your health or life insurance rates, we are happy to help. Contact us today for any questions or a free life insurance quote.
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Term Life Insurance products are offered through TMFS Insurance Agency LLC, a separate company, affiliated with Financial Engines Advisors, L.L.C. (FEA), in states where licensed. TMFS Insurance Agency, LLC is under common ownership with FEA. Each entity is its own separate entity that provides services for its client independent from the other.