Term Life Insurance Exam Advice

When requesting a term life quote the health classification you are put in is the most important factor.  Most carriers have around 15 different rate classes in which someone could fall into.  The most commonly seen are Preferred Best, Preferred, Standard Plus, and Standard.  The term life insurance underwriting process and the paramedical exam are the factors that determine which health class you will fall into.  Below we have 10 tips that we recommend to everyone before taking a term life insurance health exam.

10 Tips to Remember before your term life
insurance health exam (paramedical exam)

1. Rest: Get plenty of sleep the night before you take your paramedical exam.
2. Avoid Stress: Stress can cause artificially high readings such as high blood pressure and pulse readings.
3. Alcohol: Avoid alcohol at least 24 hours before the exam; this too can inflate readings that have a negative impact on your term life insurance health exam.
4. Tobacco: Avoid tobacco!  Tobacco has a very negative impact on your term life quote.
5. Caffeine: This can cause high blood pressure so you will need to stay away from caffeine 24 hours before the paramedical exam.
6. Salt: Stay away from heavily salted foods.
7. High Cholesterol Foods: Keep away from these foods 48 hours before your term life insurance health exam.  This may include eggs, steak, lamb, macaroni & cheese, ice cream, etc.
8. Fasting: Do not eat after 10pm the night before your term life insurance health exam.
9. Exam Location: It is recommended to take your paramedical exam at your house for better test results.
10. Exam Time: It is also recommended to take your paramedical exam in the morning for lower blood pressure readings.

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Article added 08/16/2011 by Ryan Eaton
Senior Division Manager: Morgan White Group
ryan.eaton@morganwhite.com

For more info about Term Life Insurance, please feel free to contact me.
Submit basic questions to: seniordivision@morganwhite.com.