Underwriting Tips
How to Ace Your Life Insurance Medical Exam
By Admin
July 2025
The "paramedical exam" is often the most stressful part of getting life insurance, but it
determines your premium for the next 20 to 30 years. In 2025, underwriters are looking closer than ever
at metabolic health.
To ensure you get the "Preferred Plus" rating, experts suggest fasting for at least 12 hours prior to
your blood draw. Avoid caffeine and nicotine for 24 hours, as these can artificially spike your blood
pressure. High hydration is also key; drinking plenty of water ensures your kidney function tests
(Creatinine levels) appear optimal. Small steps taken 48 hours before the exam can save you thousands of
dollars over the life of your policy.
High-Risk Coverage
Life Insurance for Chronic Conditions: Diabetes & Heart Health
Being diagnosed with a chronic condition like Type 2 Diabetes or Hypertension no longer means you are
uninsurable. Modern "Clinical Underwriting" focuses on control rather than the
diagnosis itself. If you can demonstrate a stable A1c level or consistent blood pressure readings
through medical records, many A-rated insurers will offer competitive standard rates.
In 2025, many providers are also offering "Living Benefits" riders. These allow policyholders to access a
portion of their death benefit while still alive if they are diagnosed with a critical or chronic
illness, providing a financial safety net for medical bills.
2025 Tech Trend
The Rise of "Interactive" Life Insurance
Connect your Apple Watch or Fitbit and save up to 15% on your monthly premiums.
Companies like John Hancock and others are now rewarding policyholders for healthy behavior. By sharing
your daily step counts and sleep data, you can earn "Vitality points" that reduce your insurance costs.
It's a win-win: you stay healthy, and the insurance company reduces their risk.
Get a Health-Based Quote