Term Life Factors

Age – Let’s face it. It’s not easy getting old. The younger you are, the longer you’re going to live AND the less expensive life insurance is.

Health History – Do you have a history of disease or chronic illness?

Current Health – Are you in good current health? Are you taking medications?

Physical Condition – Are you heavy or lean? Do you excercise?

Smoker – Smokers can still get life insurance policies but the cost is significantly higher.

Drinking –Refrain from drinking alcoholic beverages for at least 24 hours
prior to the exam (can increase fat in blood and liver functions). Drink a glass of water one hour prior to the exam.

(For Additional Life Insurance Exam Tips checkout http://massquotes.com/2017/02/06/tips-get-best-life-insurance-examination-results/

Occupation – Are you a professional stuntman?Are you a race car driver?

Hobbies – Do you skydive or bungee jump? Are you a member of Fight-Club?

Family History – Are your parents and sibling still alive? Is there a history of family illness or disease?

Gender – Life isn’t always fair. Women live longer than men AND pay less for life insurance.

So, there we have it folks, our Term Life Factors.

It’s good to be young, healthy, work in an office, and play board games with your great grandparents!

Following these life insurance exam tips can help you obtain the best, most accurate exam results. Getting a preferred rating category (vs. standard) will save you a ton of money over the term of the life insurance policy.

Life Insurance Exam Tips:
• Fast for 4-8 hours prior to the exam and try to schedule the
exam for first thing in the morning, prior to eating
• Limit salt and high-cholesterol foods 24 hours prior to the exam
• Limit caffeine and nicotine 24 hours prior to the exam (can
increase blood pressure, cholesterol)
• Drink a glass of water one hour prior to the exam
• Get a good night of sleep prior to the exam
• Refrain from drinking alcoholic beverages for at least 24 hours
prior to the exam (can increase fat in blood and liver functions)
• Smokers should not smoke 30 minutes prior to exam (tends to
constrict artery walls and elevate blood pressure)
• Avoid the use of nasal decongestants if possible for 24 hours
prior to the exam (can increase blood pressure readings)
Helpful reminders:
• Be prepared with a photo ID at the time of the exam
• Provide names and dosages of current medications
• Provide any history of problems associated with providing a
blood sample
• Women should mention to the examiner if menstruating at the
time of exam (can cause blood in the urine specimen)
• Have available names, addresses and phone numbers of any
doctors or clinics visited in the last five years
• Tell the examiner if exercise is a regular activity
• Tell the examiner if vitamins or aspirin are taken on a daily basis
If you have experienced one of the following health conditions, follow these additional guidelines:
Hypertension
• Avoid stimulants (caffeine, alcohol, cigarettes)
• Schedule a morning exam
• Have the examiner take blood pressure after you have had a chance to relax —
three attempts at 10 minute intervals
• Take usual medications
Diabetes
• Schedule the exam for 2½ hours after a meal (no sweets or sugars after the
meal), but if blood is being drawn, fast for 8 hours prior to the exam
• Empty bladder right after meal
• Drink 1-2 glasses of water before the exam
Urinary Specimen Problems (albumin, red blood cells, sugar, etc.)
• Empty bladder right after meal
• Drink 2-3 glasses of water before the exam
• Avoid sweets or foods with sugar content before the exam
• Avoid strenuous exercise, such as running, for 24 hours prior to the exam
Coronary, EKG Problems
• Avoid stimulants (caffeine, alcohol, cigarettes)

If you follow these life insurance exam tips, you will be giving yourself the chance to secure the most preferred insurance rate available.