More and more people realize the importance of applying for a life insurance plan to avail the benefits it will provide their families in the future. It is an inexpensive future investment, but it’s not that easy to attain. This is because it’s not just the insurance that offers various rates but your health that can determine them as well. A person’s health is a major factor that is considered by insurers before offering a plan.
The reason for this is that an applicant’s life expectancy is directly related to the premiums they will generate. Applicants with weak health that suffer from disease or have a family medical history laced with chronic illness will have to pay higher rates since they pose a greater risk of dying in the foreseeable future. So, to properly determine what plan should be offered to an applicant, they will have to undergo a medical exam.
Whether a person is healthy or not, it is crucial that they undergo the exam while their body functions are not subject to foreign intervention by substances like glucose or sodium. You can even take a quiz about the life insurance medical exam to understand your risks.
Make sure to mark the date of the medical exam so you can start preparing accordingly. Keep a low intake of sugary foods so that any blood tests that are conducted can give accurate results. A high blood sugar can also be linked to prediabetes which can lessen your chances of getting more affordable rates. Don’t go overboard by showing up for the exam with low blood sugar levels since that little detail can put you on a list of high-risk applicants. Refrain from consuming too much caffeine or sodium-rich foods that play a role in increasing blood pressure and water retention. This is because these factors can indicate a risk of heart disease which is sure to leave you with having to pay higher premiums. Alcohol and tobacco use are also such factors that can reduce your chances of getting Preferred Plus rates. Find out more about the medical exam on the HealthIQ website.