Having a life insurance has become more of a necessity these days. Having the peace of mind that comes with a life assurance is simply invaluable, especially if you have a family. There are many factors that can affect your life insurance quote. Getting a medical exam is one of the best ways that can help you get a good quote for your life insurance. Beside factors that are out of your control like your overall health and family health history, this is something that you have total control of. Companies like Health IQ are looking to make things easier for insurance buyers.
Despite the fact that some companies offer a “no medical exam” life insurance, those are not the best available options available to you for a simple reason: they don’t offer the best rates. This is the cost that comes with applying to a life insurance without a medical exam. There is only one scenario in which applying to a life insurance without a medical exam can be an advantage, which is if you are a person with a high-risk lifestyle. This includes heavy smokers or people who participate in risky activities such as rock climbing or skydiving. Unless you are one of those people, opting for a life insurance that requires a medical exam is definitely the best route. If you want to take the medical exam, you need to do some preparations.
Properly preparing for such an exam can greatly increase your chances of passing. Things such as drinking plenty of water and watching your nutrition in the days before the scheduled exam date can strongly affect your result. Also, you should reduce your intake of foods that contain high amounts of sodium and sugar. Those are only a few of the things that you can do to prepare for such exam. Taking this Health IQ test can help you make sure that you are ready for this exam. It won’t take much time and can make the process a whole lot easier.