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:

Blood sugar levelScreen for diabetes
Lipid profileMeasure cholesterol and triglycerides to assess heart disease risk
HIV-1/HIV-2Test for HIV infection
Blood proteinsMeasure albumin and globulin levels as indicators of kidney or liver disease, inflammation, or malnutrition
Liver enzymesMeasure levels of enzymes that may indicate liver disease or damage
Waste productsMeasure creatinine and urea levels as indicators of kidney disease
GlucoseScreen for diabetes
Protein and microalbuminMeasure levels as indicators of kidney disease
Red and white blood cellsMeasure levels as indicators of kidney disease, kidney stones, urinary tract infections, or inflammation
CotinineMeasure metabolized nicotine levels in smokers and tobacco users
CocaineScreen 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:

  1. Schedule the exam at home for comfort.
  2. Wear loose-fitting clothes for the blood test and BMI measurement.
  3. Avoid alcohol, caffeine, and tobacco use for 48-72 hours before the exam.
  4. Avoid heavy meals and exercise before the exam.
  5. Drink plenty of water to facilitate the urine sample and blood draw.
  6. 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.

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