Demonstrating good health in your life insurance medical exam can be a major factor in getting affordable term life insurance rates. The blood pressure test is a good place to start. It plays a notable part in determining your term life insurance rates. High blood pressure means a higher risk of dying. It also can mean higher term life insurance rates. Your goal is to make sure your test results are accurate, and not temporarily high.
Several factors can a create temporarily high blood pressure. These tips will help prevent that, so you can get the cheap term life insurance you're after!
Fasting might not seem like the ticket to affordable term life insurance, but it could be the start. The term insurance medical exam instructions will tell you to fast for a specific period of time. Do as instructed! Some foods can cause inaccurate results.
Avoid drinking caffeine and energy drinks before the blood pressure test. According to the National Heart, Lung, and Blood Institute (NHLBI), these can temporarily raise your blood pressure.1
Use the bathroom prior to having your blood pressure tested. A full bladder can alter your reading, according to the NHLBI.1
According to the American Heart Association, some people become anxious around medical professionals or when having medical tests. They often experience temporarily high blood pressure known as "white-coat hypertension." 2 This false impression could prevent you from getting cheap term life insurance. The NHLBI recommends sitting quietly for five minutes with your back supported and your feet flat on the floor. Rest your arm on the table at the same level as your heart. 1
The NHLBI recommends getting two readings, taken at least two minutes apart, and then averaging the results.1
According to the American Heart Association, stress can temporarily raise your blood pressure. Again, this can prevent you from getting affordable term life insurance. Get a good night's sleep and do some relaxation techniques, such as slow, deep breaths. 3
According to the Mayo Clinic, blood pressure tends to be lower at night while sleeping. When you wake up, it starts to rise, and tends to peak in mid afternoon. It starts to drop again late afternoon/evening. 4
Research by the National Institutes of Health (NIH) suggest that slow, deep breathing can help lower blood pressure, not just temporarily, but long term. Before your test, take several slow, deep breaths, ideally less than 10 breaths a minute. This will relax and dilate your blood vessels. 5
If you smoke, refrain from doing so before the blood pressure test. Smoking can cause a temporary spike in blood pressure. 3
Getting an accurate reading of your blood pressure could be the first step for affordable term life insurance. These simple steps can help you secure cheap term life insurance. They might also help you keep your blood pressure healthy!
1. "Tips for Having Your Blood Pressure Taken," National Heart, Lung, Blood Institute Web Site. Link
2. American Heart Association Web Site: Link
3. American Heart Association Web Site: Link
4. Mayo Clinic Web Site: Link
5. National Institutes for Health, Dr. David Anderson Link