Insights Unveiled: Navigating the World of Insurance with Expertise


Insights Unveiled: Navigating the World of Insurance with Expertise

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What You Need To Know About The Life Insurance Medical Exam

October 15, 20202 min read

When you buy life insurance, you're going to wind up taking a medical exam. This is so they can rate your health, ascertain the level of risk they're taking on in signing you and decide what they should be charging you. So, what do you need to know before going in? 

  • It's pretty hard to cheat the test. If you're a smoker, for instance, nicotine stays in your system for a while. If you're going to take a break for the test you might as well just quit smoking outright. You're not going to get your bad habits past the examiner, so just tell the truth. Alcohol stays in your system, too, so stay sober the night before. 

  • Stress is your biggest concern. It's just about impossible to trick the doctor into thinking you're healthier than you really are, but you can turn up false results owing to stress. Anything you can do to stay relaxed and keep your blood pressure down on the day of the test will help. Don't smoke cigarettes or drink coffee right before the test, avoid sugar and try to be in a good mood. Have someone else drive you if that helps.

  • Stay hydrated. Drink plenty of water and avoid salty foods before the test. That means pretzels, potato chips, French fries, chicken wings and anything that's cooked in oil. Have a nice salad for lunch and avoid all that stuff that doctors tell you to avoid anyway.

  • You can typically retake your medical exam once every six months. This means that if you're starting a diet or quitting smoking, you can go ahead and sign up for life insurance and renegotiate your premiums later on down the line. However, many people find it easier to simply start over with a new life insurance company rather than wait to have their case reassessed. 

Based on your health you may be rated from standard to preferred-plus. Age, gender and smoking are other major factors as well. On average, the difference between a standard male smoker and a standard male nonsmoker may be as significant as $750 vs. $350 a year for a 30-year-old, or up to $7,000 vs. $2,000 a year past 60. Kicking bad habits is never a bad idea, but it's especially wise if you're thinking of buying life insurance.

If you have any questions about life or health insurance, contact our team of dedicated insurance agents today!

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Dr. Cheryl D. George

Dr. Cheryl D. George is a lifelong learner who transforms information into economic opportunities. She has over a decade of experience as a licensed health and life independent agent in 19 states. As a businesswoman, she has spent nearly two and a half decades honing her business acumen, starting, and helping to maintain over 200 small businesses and ministries. In the midst of a global pandemic, Dr. Cheryl was introduced to IBC in 2020 through CORE Financial Partners. The principles of IBC aligned with her life mission. “I love being a Certified IBC Practitioner because the secrets and strategies I share, allow me to watch the lives of Individuals and families transform. That transformation creates a legacy for generations yet seen”, says Dr. George. Possessing a deep and abiding faith that guides her to give back to her community, Dr. George dedicates her time and energy selflessly to many faith-based non-profit organizations. Dr. Cheryl D. George lives in Georgia and enjoys laughter, reading, music, scrabble, and traveling. She has one daughter (Jaclyn), two grandsons (Jeramiah and Joshua), and Royal-Cooper, her new 4-legged baby.

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