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Introduction

Life insurance can be a great way to protect your loved ones financially, but only if you meet certain requirements and get approved for it in the first place. If you have any risk factors such as high cholesterol or diabetes, are over 65 years old or have a history of cancer, heart disease or stroke—or if you smoke or drink excessively—you might have trouble getting approved for life insurance. However, there are steps you can take before applying to help improve your chances:

Develop a plan for your life insurance.

It’s important to have a plan for the money you want to use life insurance to secure. Do you want to pay off your mortgage, start a college fund and/or save for retirement? Or perhaps something else entirely? If there are young children in your family who need care after their parents die, consider purchasing a policy that guarantees a death benefit until they are grown adults (and even beyond).

Know your personal health history.

Before you apply for a life insurance policy, it’s important to know your personal health history. Your doctor or medical records can help you understand your risk factors and if any diseases are hereditary in your family.

You have the right to get copies of all your medical records from any healthcare provider who has treated you in the past five years. To request these documents, contact the office where treatment was received and ask for an “individual record release form.” You can also order copies of past tests results over the phone by calling 1-888-999-9999 (TDD: 1-888-717-8487).

Make sure you’re up-to-date on routine tests and screenings.

If you have a health condition or are taking medication, make sure to tell the insurance company about it. You may need to provide proof of your condition or treatment in order for them to consider you for coverage.

You should also be aware that some companies will look at previous test results when deciding whether or not to approve an application for life insurance. This can include information from medical providers such as primary care physicians and specialists, labs like blood tests or x-rays, hospitals (if applicable), pharmacies (if applicable), etc., so make sure these documents are complete and up-to-date before applying!

Don’t smoke or drink excessively.

If you are a smoker, it’s important to stop smoking. This can be difficult–there are many reasons why people continue to smoke, including stress and anxiety. You may want to consider quitting cold turkey or using an app like SmokeFreeTXT that sends daily texts with tips on how to quit.

If you’re not ready yet but know that you will be soon, talk with your doctor about nicotine replacement therapy (NRT) such as patches or gums. NRT helps reduce withdrawal symptoms while weaning off cigarettes slowly over time without withdrawal symptoms such as headaches or irritability.

Similarly if alcohol abuse is a problem for you then seek professional help before applying for life insurance so that once approved for coverage there is no lapse in coverage due any lapses in medical history being reported during the application process which would cause an automatic denial due these lapses being reported during underwriting

Eat the right foods and exercise regularly.

  • Eating a healthy diet and getting regular exercise are two of the most important things you can do to stay healthy. They’ll also help you to get approved for life insurance, since they improve your overall health and reduce your risk of dying early.
  • If you’re overweight or obese, losing weight is one of the best ways to improve your chances at being approved for coverage–and it’s easier than ever thanks to advances in technology like Fitbit fitness trackers or apps like MyFitnessPal that make calorie tracking easy! You should aim for losing 5-10% of your body weight within six months if possible; otherwise just focus on eating healthier foods (like fruits instead of candy bars) while trying not overeat during meals.*
  • Exercise regularly: Even if it seems like too much work at first glance (which I know from personal experience), setting aside time each week for exercise will pay off because it helps improve heart health; strengthens muscles so they won’t break easily under stressors such as lifting heavy objects overhead; improves mental well-being by releasing endorphins which make us feel happier after working out even though we might be tired when done exercising initially.*

Get enough sleep each night.

Getting enough sleep is critical to a healthy lifestyle, and can have a significant impact on your life insurance application. The National Sleep Foundation recommends that adults get between seven and nine hours of sleep per night. However, this number can vary depending on your age and activity level; children need more sleep than adults do because their bodies are still developing, while the elderly may need less due to decreased energy levels.

Sleep impacts everything from your mental health (you’ll feel happier if you get enough) to physical health (if you don’t get enough restful REM sleep at least once every 24 hours). Studies show that lack of sleep increases risk factors for heart disease and stroke by 30%. Plus, getting too little shut-eye has been linked with weight gain! To make sure you’re getting enough shut eye:

  • Stick to a regular bedtime schedule so that your body knows when it’s time for rest
  • Avoid heavy meals before bedtime since digestion takes energy away from other processes like dreaming

Reach out to a local insurance agent with questions about how to get started with life insurance.

If you’re thinking about getting life insurance, it’s important to know where to start. The first step is reaching out to a local insurance agent and asking questions about how to get started with life insurance.

If you want help finding an agent in your area, use this free tool from the National Association of Insurance Commissioners (NAIC). You can also search for agents on LinkedIn or rate them on Yelp!

When choosing an agent, keep in mind that not all agents are created equal–some may specialize in certain types of policies or niches like seniors or veterans; others might focus on helping people buy term policies rather than whole life insurance plans. It’s up to you which type of provider works best for your needs but if possible try speaking directly with several different ones before making final decisions so that everyone gets their fair shot at earning business from potential clients like yourself!

Life insurance can be a great way to protect your loved ones financially, but only if you meet certain requirements and get approved for it in the first place

Life insurance is a financial tool that can help protect your family’s future. However, it’s not a cure for all financial problems. If you’re planning on using life insurance as an investment vehicle to make money and grow your wealth, then you should know that there are no guarantees in this area.

Life insurance is intended to pay out when someone dies so they can be financially taken care of by their loved ones; however, the amount paid out depends on several factors including age, health status and cause of death (i.e., accident vs illness).

Conclusion

Life insurance is a great way to protect your loved ones financially, but only if you meet certain requirements and get approved for it in the first place. If you have health problems or other issues that make getting coverage difficult, don’t give up! There are still ways to find affordable coverage for yourself or your family members. The key is finding an agent who understands these challenges and can help guide you through each step of the process so everyone ends up with coverage they need at an affordable price.”

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