Life Insurance Medical Exam [21 Tips to Save Thousands]


The best life insurance policies and the highest limits will require a life insurance exam or a paramedical exam. We believe that small adjustments leading up to your exam – especially when it comes to your blood pressure – can make big changes in your health class for the better.

The better your health class, the lower your rates.

Simple right?

This information is worthless unless you use it. In life insurance cases, the devil is in the detail and little changes can make a huge difference.

Take for example a 60-year-old man with a $1 Million 20 year term policy. At a standard health class, one of our favorite carriers (Pacific Life) will give him a rate of $8,784 per year. If that same policy is rated just a little riskier it’s going to cost him $10,528 per year with the same company.

These are real rates, ladies and gentlemen. Just improving a little–by one health class–could save him almost $35,000 throughout the life of the plan.

Is $35,000 enough to get your attention?

Wow! That’s almost enough to buy that new boat you’ve always wanted! That’s a down payment on a vacation home, or a big contribution to your favorite charity!

Enjoy this article full of tips, then check out the attached infographic at the bottom and ace your life insurance medical exam.

Want to save even more? Let our underwriting experts do the work. Fill out the attached quote form and let us help you find the ultimate value for your life insurance.

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Here is a handy guide to this article, feel free to head directly to the section you need.


If you’re a fan of salted fries and potato chips, you might want to consume a smaller portion of these comfort foods.

Numerous studies have shown how sodium cutbacks can also result in reduced blood pressure in adults. While it’s the most common condiment, there are other sources of sodium you might want to watch out for. Dairy, eggs, meat and seafood, specifically shellfish, are sources of sodium.

Apart from these, sodium can also be found on pastries, crackers, cured meats and even your favorite bag of chips. Be sure to regulate your use of soy sauce, fish sauce or broth cubes to spice up your dishes.


It’s time to ditch your favorite unicorn frappuccino and abstain from munching on your honey-coated bagel. According to the 2015-2020 Dietary Guidelines for Americans, a person must consume sugar amounting to only 10% of the daily calorie intake. Recognizing the risks of the rising number of obesity, the American Heart Association redefined the numbers.  Women are prescribed to consume no more than 100 calories a day, while men are limited to no more than 150 calories.

US adults get 13% of their daily calorie intake from added sugars, making it hard for them to stick to the recommended amount.


If you aren’t that mindful of your glucose levels and you are diagnosed to have diabetes, that puts you a little closer to suffering from heart attackstroke or mini-stroke.

Over time, high levels of blood glucose can put strain and damage your blood vessels, and this can lead up to more plaque buildup on your arteries. The longer you have diabetes, the more arterial plaque you accumulate and the greater the possibility of you suffering from heart diseases.


Smoking is a proven factor in the occurrence of heart attack and stroke.

The nicotine present in cigarette smoke increases your blood pressure and hastens your heart rate. This leads to narrowing your arteries and creating buildups on your arterial walls. It also exposes you to threats of blood clots. These processes strain your heart muscles, making you prone to more heart diseases.

Smokers experience a rapid increase in their blood pressure onset of smoking. The act of smoking and the inhalation of secondhand smoke are both factors that increase the risk of plaque buildup on the arteries. This plaque buildup is the infamous Atherosclerosis- causing even more serious cases such as coronary artery disease.

Becoming a high-risk heart condition,  it is often treated through the use of heart stents or bypass surgery. High blood pressure can speed up the accumulation of plaque on your arteries.

If you have diabetes, it’s important to stop smoking as both the act of smoking and diabetes can constrict your blood vessels. This also leads to developing other long-term illnesses such as COPD and respiratory diseases.

If you have hypertension, that means your heart is exerting strenuous efforts to pump blood for it to circulate. The high blood pressure can strain your cardiac muscles, wearing out your blood vessels. These increase the risks of having a heart attack and stroke.


If you happen to have high cholesterol levels, avoiding fatty and salty foods is the first key to regulating it.

Cholesterol is a type of fat that the human liver naturally produces and is part of everyone’s blood composition.

LDL, dubbed as the bad cholesterol, can easily accumulate and clog your blood vessels. The high levels of LDL can cause plaque buildup that hinders the flow of oxygen-rich blood. This puts you at the risk of stroke or heart attack.

Triglycerides, another type of blood fat, can also create build-ups on your arteries if the levels exceeded the normal range.


Being overweight or obese makes it harder for patients to manage their diabetes and increases their risks for numerous heart diseases and hypertension. If you are overweight, managing your calories and keeping track of your diet plan will eventually keep your blood sugar level in control. With this, you will be able to lessen your need for medications.

Excess belly fat on your abdomen, regardless of your weight, can actually increase the chances of you developing heart disease. Be sure to measure your waistline frequently.

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Life Insurance if you are smoking is going to be 200% – 300% higher than your nonsmoking friends.

Once you quit smoking, you will now be able to lower your risks of catching a heart attack and even stroke. Since nicotine can cause plaque buildup on your blood vessels, avoiding it can effectively eliminate your risks of getting even more serious complications.  It also lowers the threat of being diagnosed with nerve, kidney, lungs and eye diseases.

Quitting second-hand smoke will help you regulate your blood glucose levels, normalize your blood pressure and control your cholesterol levels. This lets you avoid shortness of breath, chest pain or angina, and propels your body to become even more physically active. Who doesn’t want to get better with age?


You can never reverse a lifetime of quarter pounders and t-bone steaks. What you can do, however, is try your best to regulate your blood pressure, blood glucose and cholesterol levels. Certain changes in your diet for approximately two weeks before the date of your medical exam can help yield good results.

Four Weeks Before Your Life Insurance Medical Exam

Having your meals planned out to be less in calories, sodium and sugars is a good start. Stir away from unhealthy midnight snacks, fried nibbles, and fatty foods.

You might want to avoid recreational cannabis and other recreational drugs. If you are taking medicinal cannabis, you might want to bring along your doctor’s prescription with the onset of your medical exam. Keep in mind that if you are looking to qualify for non-smoker premiums, it’s best to have no THC strains found in your urine. Some companies can grant you non-smoker rates, even if you admit that you are a smoker. Get in touch with us, Heart Life Insurance, to help you find the best companies that offer you the most holistic insurance policies for your case.

Even if you are applying to a life insurance company that accepts the use of cannabis, it is best to have little to no traces of THC present in your urine. Be sure to answer the interview questions honestly as discrepancies will raise your rates or will lead to a decline in your application.

Take a break from other recreational drugs, as everything else, aside from medicinal cannabis, will lead to an automatic decline.

About Two Weeks Before Your Paramed

If you haven’t stopped smoking, this is the perfect time to finally ditch your smoking habits.

Start eating healthy. Incorporate more vegetables into your diet and look for recipes that entice you to eat enough greens instead of unhealthy dishes. Avoid too much caffeine as these can also trigger high blood pressure and can even lead to palpitation.


If your paramed is scheduled for tomorrow, don’t worry! These tips will help you do your absolute best on your exam.

Stay Hydrated

Water flushes out unnecessary traces of toxins and chemicals from your system. It cleanses your digestive system and helps your urinary tracts rid off excess salts. Water helps you increase blood flow and makes it easy for you to produce a urine specimen to be used for your medical examination.

Be Diet-Wise

If you are a huge fan of pizza, popcorn, potato chips, and fries, then you might want to avoid them. A week before your medical examination, it is best to cut back on your sodiums and sugars. Fatty diet, specifically red meat, should take the back seat too.

If you want to regulate your levels of blood pressure and blood cholesterol, its best to avoid salty, sugary and fatty diets even for just a week before your medical examination. Changing your cheeseburger and twister fries diet to some Ceasar’s salad won’t hurt. Remember, insurance companies rate different health factors in brackets. A little change can mean a significant difference if you are on the borderline of any of your readings. The lower the levels you get from your blood pressure, blood cholesterol and glucose, the lower your premium can go.

If you want to ace your medical exam, some foods can help you improve your results. Opt-out to consuming micro-greens, whole grains, oats, nuts, and fish. Micro-vegetables, in fact, can be 40% more nutritious than mature counterparts. Plus, these small vegetables help you avoid intaking too many calories!

Keep in mind to eat lightly on the actual day of your examination. This way, you would not have to feel bloated or experience any symptoms of hypertension (especially if you are diagnosed with high blood pressure). This lets you keep your weight at the minimum. Like other health readings, a few pounds you’ve gained can make a huge impact on the premium you’ll have to pay once you purchase a policy.

Avoid the Liquor, Wine, and Beer

Having a trace of alcohol in your bloodstream can stain your medical records. You will be marked to have a problem with alcoholism and might lead to your premium increase. It is best to not consume alcohol a few days before your medical exam.

No Exercise on Your Life Insurance Exam Day

Exercise increases your blood pressure and elevated protein levels present in your urine. It is best to just unwind on the day of your examination, stay hydrated and put off any plans of strenuous activities before the exam.

You Must Follow The Fasting Rule

Do not eat on the examination date. It’s recommended that you don’t eat for at least 12 hours before your exams that involve taking samples of your blood. The food you ingest can distort your results. Not eating 12 hours before your examination is the last chance you get to cleanse your blood and keep your weight minimal. This will help you get cheaper premiums and will make it easy for you to ace your medical examination.

Keep Yourself Stress-Free

It is a must for you to stay away from stress as much as you can. If you’ll be needing to take a leave from work or to have a quick rest week before the examination- do it.

Stress is a known factor that elevates your blood pressure. It can also impact your digestive system, especially if you are diagnosed with IBS or Crohn’s disease. If you feel like you need to take some time away, a quick stroll in the woods or a dip at the beach- it’s a great way of de-stressing.

Beat the White Coat Syndrome

The ‘’White Coat Syndrome’’ is characterized by an increase in blood pressure due to worrying about the medical exam itself. There are individuals who develop anxiety from undergoing medical examinations. A person’s blood pressure can shoot up with the thought of having to go through numerous tests. This is because most people are fearing the potential discovery of a certain illness or condition the exam results can possibly reveal.

If you are feeling nervous onset of the examination, ask your examiner to just hold off taking your blood pressure until every test is run. If every necessary test has been finished, you’ll feel a little laid back. You no longer have to think about the arduous process of blood sample extraction or questions you must address. Once everything is done, you can calm down. This allows your blood pressure to stabilize.

Feel free to ask your examiner about your request. You can freely explain that medical exams make you anxious, leading to an increase in your blood pressure.

Do you have any concerns about the results that might show up on your medical exam? Talk to us, Heart Life Insurance. We’ll be happy to help you find the best insurance company that will provide you with the best policies for your condition.

Stand Upright and Dress Light

Dressing light will minimize your weight on your weigh-in. Standing up straight and tall when measuring your height is also something you should keep in mind. Life insurance companies always look for the appropriate weight-to-height ratio. You’ll get a chance to land good policies and just-priced premiums if your weight and height are proportionate.


We have covered a lot of tips and tricks here because other life insurance companies use this page as a resource.

What if you are reading this as a prospective life insurance client?

Remember the life insurance exam is no big deal. Be truthful with your nurse, fast the night before, and think happy thoughts. You will do great and get an awesome rate on the life insurance you deserve.

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Heart Life Insurance specializes in high-risk cases, so you’ll never have to worry about running out of options. With access to the best life insurance companies providing hundreds of different options, we can find the best coverage at a fraction of the cost even if you bomb the life insurance exam.

We’re an independent agency, our services are free, and we use our years of experience to find the best policies for your family’s needs and budget. Secure your family’s future by filling out the instant quote form or by giving our office a call today.

You will be glad you did!

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