8 Ways to Game a Life Insurance Exam and Get a Better Rate

Insurers can require applicants to take a health exam that includes blood work and a urine sample, giving an accurate picture of a potential customer’s cholesterol level and if they have nicotine in their body.
For healthy life insurance policyholders, the differences in annual premiums can be hundreds, and possibly thousands, of dollars when compared to what people who smoke, drink to excess, are obese or otherwise unhealthy pay for the same coverage. More >>