The best deals on life insurance typically come with a medical or paramedical exam.
This is especially true if you have a pre-existing health condition or prior serious health issues like a heart attack.
Your medical exam determines your rating health class, and life insurance rates can be 50% – 100% higher depending on your exam results.
Discover and use these practical tricks so that you can get the best possible results on your exam.
21 Insider Secrets To Help You Save On Your Life Insurance Policy
#1 – Butt Out – Quit Smoking
There are tons of resources available to help you quit smoking. It is the most drastic change you can make on this list, however, it is also the most important for your life insurance rates.
The longer you go without smoking, the better your chances of an improved medical exam and lower life insurance rates.
#2 – Have A Plan
Give yourself time to make changes to your lifestyle before the exam that can help you get better results.
The longer you can manage your eating and exercise habits the more they appear in the exam’s results.
#3 – Focus on Your Blood Pressure
Hypertension, or high blood pressure, is a huge indicator of problems in your body.
In fact, many of these tips will directly lower your blood pressure and for good reason.
The difference between the best life insurance rates and a lower health class can be just a few points of systolic blood pressure.
So small changes here can equal big savings in life insurance.
#4 – Avoid the Fast Food Lane Before your Exam
Your kidneys are pretty good at regulating excess salt in your system.
Unfortunately, we ingest so much of it that salt can still create adverse reactions in our bodies, most notably higher blood pressure.
Avoid high sodium, processed foods for at least three days before the test so that your blood pressure is normalized.
#5 – Skip the Sweets: Skip the Sugar
Sugar may represent an even worse substance for your body than salt, and blood sugar is just one factor that life insurance companies are looking for in a blood test.
Excess sugar will negatively affect your heart, kidneys, liver, pancreas, skin, joints and teeth.
To avoid increased blood sugar levels, try to limit your sugar intake about a week before the exam.
#6 – Count your Sheep and Get Plenty of Rest the Night Before
Did you know?
Harvard Researchers found that a single night of inadequate sleep in people with high blood pressure can cause elevated blood pressure throughout the following day?
Get plenty of sleep for a few nights before your medical exam so that your body is well rested and at its peak condition.
#7 – Avoid Alcohol for at Least 48 Hours Before Your Exam
A night of excessive alcohol before your medical exam could increase your blood pressure and alter your liver enzyme readings.
Both of these numbers are crucial to a life insurance underwriter.
#8 – Reduce Caffeine Consumption the Day Before Your Exam
We all love our coffee. However, too much caffeine can raise your heart rate and blood pressure, especially if you are caffeine sensitive.
Avoid coffee the day of the exam and preferably for 24 hours beforehand.
#9 – Avoid Recreational Drugs or Illegal Substances
Stay away from illegal drugs or controlled substances before a medical exam.
Marijuana, methamphetamine, cocaine, heroin or other non-prescription drugs could cause your insurer to deny coverage.
Depending on the drug, they could stay in your system for a couple of weeks and should be avoided altogether.
#10 – Hold off on CrossFit 24 Hours Before Your Paramed exam
You don’t want to push yourself too much before the medical exam. Excessive exercise increases your heart rate and could also negatively affect liver enzyme readings.
Avoid strenuous exercise at least one day before your exam.
#11 – Eat more Fiber to Lower Cholesterol Readings
Did you Know?
Adding five grams of fiber to your diet daily could lower your LDL (“bad”) Cholesterol by 10 points or more?
Your liver will use up more cholesterol in your blood if you have a high fiber diet. So increase the fiber in your diet gradually at least a week before your paramedical exam.
#12 – Drink Plenty of Water 48 Hours Before Your Exam
Most of us don’t drink enough water.
Adding more water to your diet helps remove excess salt, sugar, and other minerals from your body so that they do not cause poor results on your medical exam.
Did you Know?
The National Academy of Medicine recommends 95 ounces of water per day for women and 125 ounces per day for men.
#13 – Fast 24 Hours Before Your Exam
Talk to your medical examiner, however, you must fast at least overnight for your blood test.
There is a lot of evidence that even more time between meals could be beneficial to your health.
You can get the most accurate results by fasting for about 24 hours before the exam. That way, you don’t throw numbers off by having a blood sugar spike or increased blood pressure due to an unhealthy meal.
During this time, try drinking water to control hunger cravings.
#14 – Avoid Shellfish 48 Hours Ahead of Your Exam
Some researchers warn that consuming shellfish before a blood test can raise your “bad” cholesterol rates even though it may raise your “good” cholesterol rates even more.
Currently, this research is inconclusive, however, avoid shellfish altogether two days ahead of your medical exam just to be safe.
#15 – Could Poppy Seeds Spell A Decline?
Depending on how they were processed, poppy seeds can still contain trace amounts of morphine and codeine that come from the poppy plant.
These amounts are detectable up to 20 hours post ingestion, so avoid muffins, bagels or salad dressings that contain poppy seeds the day before your exam.
This seems much ado about nothing, however, it’s not worth the risk.
#16 – Lose a Little Weight, Save a Lot of Dough
We are not suggesting that you go on a crash diet before your medical exam. That never works.
Having said that, losing five pounds can mean the difference between the best life insurance health class and a lower health class / higher rate.
#17 – Have Your Exam Early in the Morning
To ensure that your body is in top condition after sleeping and to make it easier with your fast, schedule the exam for first thing in the morning.
#18 – For Women: Time your Exam with your Menstrual Cycle
A woman’s cholesterol level naturally rises during the first half of the menstrual cycle, peaks at ovulation, then declines after.
Taking the medical exam at the beginning of a menstrual cycle can result in lower cholesterol levels.
#19 – Relax Using Controlled Breathing Techniques
It’s normal for people to be nervous during a medical exam, and controlled breathing can help you relax.
Controlled breathing can also lower blood pressure, promote feelings of calm and help us unwind.
Concentrate on your breaths so that your mind isn’t racing, and let your body relax one breath at a time.
#20 – Wednesday, Friday or Saturday Would be The Best Day For Your Exam
Monday is classically called “the most stressful day of the week,” however a British survey found the peak day for stress was Tuesday.
For the millennial generation, surveys showed that workplace stress was at its highest on Thursdays.
You may be able to lower your stress, blood pressure, and heart rate by taking your medical exam on a Wednesday, Friday or Saturday.
#21 – Change your Morning Routine and Shower Cold!
Cold water exposure has been shown to lower stress levels and uric acid levels, both of which can help you on your medical exam.
The entire shower does not have to be cold. Most of the shower can be warm. Gradually increase the cold water until the last three minutes of the shower are as cold as possible to receive these and other health benefits.
Small changes make a big difference in your health!
Use these tips to ace your medical exam and save thousands on your life insurance rates.
About the Author
Jimmy McMillan is the owner of Heart Life Insurance where he specializes in underwriting life insurance with heart problems. He has successfully approved clients with difficult heart issues like heart attacks, atrial fibrillation, cardiomyopathy, angioplasty, multiple stents and mitral valve disorders.
He is a fine fisherman who lives with the catch of his life, Emily, in Palm Coast FL.