How Can I Improve My Blood Test Results For Life Insurance?
The life insurance medical exam serves a crucial purpose in assessing your risk as a policyholder. Poor test results can negatively affect your premiums or even disqualify you from coverage. On the other hand, positive results can lead to preferred rates and significant savings. Here are some tips to improve your blood test results:
| Test | Purpose |
|---|---|
| Blood sugar level | Screen for diabetes |
| Lipid profile | Measure cholesterol and triglycerides to assess heart disease risk |
| HIV-1/HIV-2 | Test for HIV infection |
| Blood proteins | Measure albumin and globulin levels as indicators of kidney or liver disease, inflammation, or malnutrition |
| Liver enzymes | Measure levels of enzymes that may indicate liver disease or damage |
| Waste products | Measure creatinine and urea levels as indicators of kidney disease |
| Glucose | Screen for diabetes |
| Protein and microalbumin | Measure levels as indicators of kidney disease |
| Red and white blood cells | Measure levels as indicators of kidney disease, kidney stones, urinary tract infections, or inflammation |
| Cotinine | Measure metabolized nicotine levels in smokers and tobacco users |
| Cocaine | Screen for metabolized cocaine levels |
While you cannot drastically change your health between application and the exam, implementing the following tips can improve your test results:
- Schedule the exam at home for comfort.
- Wear loose-fitting clothes for the blood test and BMI measurement.
- Avoid alcohol, caffeine, and tobacco use for 48-72 hours before the exam.
- Avoid heavy meals and exercise before the exam.
- Drink plenty of water to facilitate the urine sample and blood draw.
- Relax with meditation, yoga, or breathing exercises to normalize blood pressure.
If you have a medical exam coming up, implementing these tips can improve your test results and potentially save you thousands of dollars on your policy. Alternatively, you can consider no medical exam life insurance, which relies on the application’s answers to medical questions instead of a medical exam. However, keep in mind that these policies may have limitations and higher premiums.
