If you have bad results on the exam, you’re going to receive expensive quotes. Get the best results with these tips. Exam times can vary depending on the required services by your insurance company. The average exam-taker should expect to spend about 35 to 40 hours studying to pass the life and health insurance exam. 7 Key Steps for Passing Your Life Insurance Medical Exam. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. One of the top suggestions for how to pass a life insurance exam is your preparation the day before: We suggest you schedule your life insurance medical exam first thing in the morning so you don’t have to go without that cup of coffee or breakfast for too long. 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. Your email address will not be published. Avoid eating foods that are abundant in salt, cholesterol, fats and sugar. What score do you need to pass the insurance exam? There are 4 basic exams given in most states – Life, Disability (Health), Property, and Casualty. © 2020 Good Financial Cents®. Can I get Life Insurance with No Medical Exam? You can’t do both. How To Pass The Life Insurance Medical Exam (And Pay Thousands Less In Premium) Let’s face it, you can’t drastically change your health in the time between the application and the exam. During the life insurance medical exam, you’ll be subject to a nicotine test. There’s sometimes a tendency to minimize the importance of a life insurance medical exam. Another position to try is laying down with your cuffed arm resting at heart level. While you’re considering diet changes, choose to cut back on the sugar and salt as well. How Much Does a Life Insurance Policy Cost. Required fields are marked *. How do I study for an insurance exam? The exam helps your insurer determine your estimate and plan. 1  The exam takes about 20 minutes to thoroughly review your medical history verbally with the representative who will come to do the exam. In Texas, you need a score of 70 to pass each exam. It’s also important to note that the life insurance blood test is also used to check for drug and alcohol abuse so it’s a good idea to refrain from alcohol and non-prescription drugs at least 72 hours before your test. You will need a combined score of 70 to pass. Step 3: Have a Study Plan to Pass the Life Insurance Exam. Second stage is basic urine and blood samples. For two years, Doug served as President of the Auburn Opelika Association of Financial Advisors and has been a member of the Million Dollar Round Table. What to do now that you passed your Life Insurance Exam! Life Insurance for Seniors over 70 No Medical Exam, Have exam in a distraction-free environment, When the examiner is taking your blood pressure. Before making a commitment to their clients, life insurance companies require you to take a medical exam in order to find out the best policy for you. Life & Health Insurance Exam Prep Package Comparison. Drink plenty of water beginning a week in advance3. Stop eating 8-12 hours before the test. The exams usually take about 20 minutes to complete. Do not drink coffee, tea or soda as caffeine will make you look bad on the results. Each state considers the difficulty of the test’s questions, accounting for differences in version by equating and scaling raw scores. How to Prepare for a Health Insurance Physical. 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