6 Exam Tips for a Good Life Insurance Rate
October 28, 2023
Want to pay the best rate available for your life insurance?
Follow these exam tips.
Many insurance policies require a blood draw and urinalysis to get approved. You may have purchased a policy in the past that didn’t require it — but if you are thinking about increasing your coverage, a medical exam by a nurse may be required.
We have people who will come to your home. No need to stand in line or sit in a waiting room for your insurance exam; let us help you schedule it in your own home where you are most comfortable.
Tips to get the best possible lab results:
1. Hydration is Key: Drink 6-8 glasses of water the day before your scheduled appointment.
2. Watch Your Diet: Do not consume fatty or fried foods 24 hours before your exam. Better to eat protein and vegetables as your last meal prior to a blood draw.
3. Schedule Wisely: Schedule your exam first thing in the morning. We recommend an 8-hour fast so have your blood drawn before breakfast.
4. Medication Matters: If you are taking prescription medication, be sure to take it the morning of your exam. Water and medication are fine, but save the coffee and donut until afterwards.
5. Light Exercise: Mild exercise the day before or the day of your exam is fine, but do not do an intense workout lifting heavy weights.
6. Skip the Alcohol: Lastly, do not consume alcohol 24-48 hours before your exam.
Lab results are one part of the entire underwriting process. We want to be able to offer you the best price available for your life insurance. With good lab results within normal limits, we are one step closer to doing that!
By following these simple yet effective tips, you can prepare for your life insurance medical exam with confidence.
About 1891 Financial Life
At 1891 Financial Life, we don’t just sell policies, we offer possibilities. We pride ourselves on giving back to the communities that we serve by providing quality and comprehensive insurance solutions. We are a not-for-profit life insurance Society, which means the sales from these financial service products help fund member benefits along with social, educational, and volunteer programs designed to respond to community needs. In 2023, 1891 Financial Life was listed by Forbes as one of "The World's Best Life Insurance Companies."
Our portfolio is extensive, ranging from various life insurance policies to our annuities to support your financial needs no matter what stage of life you’re in.