You’ll need to devote about 35 to 40 hours of studying if you expect to pass. Ads by Money. Cramming is not recommended. Be prepared to supply the examiner with your photo ID, and a list of all former and current physicians you have visited, as well as their addresses and phone numbers. Life & Health Insurance Exam Prep Package Comparison. For example, Hepatitis C, which in most cases have minimal symptoms if any, is often discovered after an applicant learned a lot about how to pass a life insurance test. Whichever the case may be, you should follow the proper steps on how to pass your life insurance exam as it could significantly change the cost, quality and coverage of your life insurance. There was an error submitting your subscription. Important information about this practice test. LIC Agent Training in 1 hour - Part 3 | IRDA IC 38 Exam Life Insurance:https://www ... -----Part 4. While you won’t be excluded for consuming excess caffeine, drinking too much coffee or energy drinks prior to your exam will certainly not help your results. I can’t tell you how often my clients underestimate the importance of their life insurance medical exam and knowing this, we offer the tips to pass a life insurance medical exam. The whole process will take less than an hour. Therefore, insurers offer different premiums to clients with varying health conditions. Another position to try is laying down with your cuffed arm resting at heart level. Commit to a Study Program with an A.D. Banker Roadmap Have a realistic plan that’s easy for you to stick to, dividing your study time into study sessions that give you plenty of time to absorb material. Take a good insurance pre-license education course. For more information, please check out our, Find the Best Life Insurance Company for You, Advertiser Disclosure (How We Make Money). Having high levels of nicotine or alcohol in your system will make them consider you a high-risk client and will certainly not help in getting the best insurance policy. Some states, including Washington, have a Personal Lines exam for agents selling only homeowner or auto insurance. Quitting smoking a few days prior to your life insurance medical exam will not get you a non-smoker rate but will help in getting your blood pressure down. Getting Better Results from the Medical Exam. Complete the life and health insurance prelicensing requirements for your state Licensing candidates can expect this process to take a minimum of 40 hours. Required fields are marked *. Since the life insurance company you are applying to is requiring the life insurance test, they will pay for the exam and have the results delivered to your policy underwriter. This action alone can lower your systolic reading nearly 10 points. Opinions expressed herein are solely those of AWM, unless otherwise specifically cited. Instead, plan to study for the exam over the course of several weeks. This is a timed test, just like the real thing, and offers the same number of questions that are on the real exam. But what does an underwriter count as tobacco use and how long does nicotine stay in your system? We will schedule a free medical exam (if required) at a convenient time and location for you. For a life insurance company to pledge hundreds of thousands (even millions) of dollars, they need a clear picture of your health. If you test positive, you’ll be classified as a smoker, which means you’ll pay more for your life insurance than a non-smoker. You can either continuing smoking or you can get cheap life insurance. While you’re considering diet changes, choose to cut back on the sugar and salt as well. Stop eating 8-12 hours before the test. You’ll be questioned about your present state of health, including any current therapies, prescription medications, and supplements you are using. Avoid eating foods that are abundant in salt, cholesterol, fats and sugar. Simulated Insurance Exam – the final step in our system mirrors the experience of taking the actual Insurance Exam! Before you buy one of these plans, you need to weigh the pros and cons. All third party trademarks, including logos and icons, referenced in this website, are the property of their respective owners. This looks more appealing to an underwriter. Most life insurance companies will provide you with the results of your examination that you may review with your physician if you have questions or concerns. Each week, we’ll send you money tips to guide you on the path to financial freedom. Get a life insurance estimate online, or call 1-844-538-9998 to get a quote over the phone today. You can’t erase a lifetime of poor eating, overconsumption of alcohol or smoking in a two-week period between applying for life insurance and having your medical exam. Most states require a separate exam for each of them. Lincoln National and Prudential life insurance company actually allow you to smoke cigars and pipes and chew tobacco and still get a non-tobacco rate for life insurance. Bottom line, “preferred plus” is not an option if you are obese, or drink alcohol in excess, The life insurance company will screen for many conditions and include – cancer, heart disease, liver disease, and. While you may not have the time to lose significant weight or stop smoking prior to your examination, following these strategies will help you improve your rating, as well as possibly save you a substantial amount of money during the life of your insurance policy. Stop smoking and drinking alcohol. 1 The exam takes about 20 minutes to thoroughly review your medical history verbally with the representative who will come to do the exam. Blood Pressure TipWhen the examiner is taking your blood pressure and the cuff is on your arm, raise your arm until it’s level with your heart. Please try again. What does a life insurance medical exam consist of? Each state considers the difficulty of the test’s questions, accounting for differences in version by equating and scaling raw scores. We are seeing more and more companies jump on the accelerated underwriting process where there is no exam at all. The average exam-taker should expect to spend about 35 to 40 hours studying to pass the life and health insurance exam. Under the guidance of a medical professional, avoid taking medications at the day of your life insurance medical exam. No exam life insurance is more expensive and you can’t get as much protection. 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