In order to get lower life insurance rates on your life insurance policy, you need to have exceptional health. But, what if I told you that there’s a way that you can get a substantially lower rate even if you’re not training to compete in the next Olympics? Well, there is a way, and here are 6 quick tips to help you get that lower rate that you deserve:

  1. Avoid Tobacco Products. Insurance companies take your use of tobacco into consideration when coming up with your life insurance rate. Obviously, an tobacco user would be a higher risk, so kick the habit before applying for life insurance.
  2. Eat an Avocado the Night Before Your Exam. Underwriters are looking at two cholesterol numbers — your good and your bad cholesterols. Avocados will bring up your good cholesterol, which is a good thing.
  3. Stay Away from Processed Foods. Foods high in sodium can raise your blood pressure and foods high in sugar can raise your blood sugar levels. You want to keep both of these numbers low for your exam.
  4. Drink Lots of Water. More water in your system means bigger veins, which are much easier for the tech to draw blood from. Not to mention, this will help flush your system of many toxins.
  5. Avoid Caffeine. Avoid any and all forms of caffeine the night before and especially the day of your exam, since it will increase your blood pressure.
  6. Don’t Exercise. You may think that exercise will help you, and it will — just don’t do it 24 hours before your exam, since it will cause higher blood pressure.

Keep these six rules in mind if you’re looking to ace your life insurance exam and enjoy getting the lower life insurance rates! If you want to see how we can get you low rates on your life insurance, take a look here.