Life insurance examination is a reliable way for life insurance companies to check how healthy you are before engaging in an insurance contract. The amount of insurance premium you have to pay each month to your life insurance company will greatly depend on your overall health, and the examinations are a necessary part of the process. Even though you can’t cheat through these examinations, there are ways for you to get fit and minimize the monthly premiums you have to pay.
Important health factors to keep in mind
Not all health-related factors are equal. Some factors will have a more significant effect on your premiums than others. Here are some of the essential factors that you will need to keep in mind.
Perhaps age is the most critical factor that will determine your premiums. The older you get, the more expensive your premiums will become. This is because you are more likely to get long-term conditions if you are a senior citizen. Thus, if you buy a life insurance policy as a senior citizen, you might have to put up with high premiums. However, while it is impossible to stop the aging process, you can improve the other factors to keep the costs of your life insurance policies down.
Smoking is a huge taboo in the field of life insurance. Smoking dramatically increases your probability of catching life-threatening conditions such as lung cancer or tuberculosis. If you are a smoker, you can expect to pay a lot more than a non-smoker because your habits can be a liability.
Weight can also become a crucial measure of your overall health. People who are overweight or obese are at higher risks of getting diseases such as diabetes, cancers, etc. Furthermore, these people will be at a higher risk of getting heart attacks and other cardiovascular problems. For this reason, if you want to get reduced premiums, losing some weight is a great idea to start with.
How to improve your life insurance exam results
Though it can be challenging to solve deep-rooted lifestyle issues within just a few months, there are certain steps you can take to help prepare for the health examinations and get the best results, which will significantly reduce your premiums.
Smoking is a very harmful habit that could have a catastrophic effect on your overall health, and it is one of the red flags that could greatly increase your premiums. Thus, it could be a good idea to start quitting smoking in the months before the examination. If you have recently quit smoking, some companies will consider reducing your premiums.
Eat a healthy diet
In the weeks before the exam, try to adjust your diet a little bit. Try to eat more whole grains, low-fat products, and vegetables, as all of these healthy foods will reduce your blood pressure, which will help you score higher during the health examination.
Limit your alcohol intake
Alcohol can raise your blood pressure as well as reduce the effectiveness of blood pressure medications. If you could limit your alcohol intake to just one glass per day for women and two glasses per day for men, you can raise your HDL level and lower your LDL level at the same time, improving your health in the long run.
Stay away from caffeinated drinks on the examination day
Caffeinated drinks such as coffee and tea elevate your blood pressure. If your blood pressure is too high, you could be put into the high-risk group, which will increase your premiums considerably.
Drink plenty of water
Staying well-hydrated is of critical importance when you take a life insurance medical exam. If you are well-hydrated, it will be much easier to proceed with your blood exams and urinalysis.
Life insurance exams may sound a bit scary, but they shouldn’t feel so. With the proper preparations, the exam will have very minimal adverse effects on your premiums. If you have other questions and would like to know life insurance quotes in Canada, don’t hesitate to let us at Insurance Direct Canada know. We will do our best to provide the assistance you need, ensuring that you will always stay informed about insurance policies.
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