Most of the standard life insurance policies come with medical test. Simnply given, the insurer wants to know your health condition before he assigns risk to you and sets your rate.
There are four basic tests: blood test, urine sampling, ECG (or EKG, electrocardiogram) and finally saliva tests. While all these tests have different conditions, they are the key to lower rates. Passing them smoothly means you can have your annual rate reduced by hundreds, or even thousands dollars. Not bad, what do you say?
Unfortunately, improving your insurance medical tests results is a long run. You definitelly cannot lie - your insurer will investigate your past in case of your claim and if you are discovered cheating, your claim will be most probably denied and the money flushed down the toilet.
However, there are certain ways, how to pass insurance medical exams. You need to cut (I mean cut, not lower!) intake of any toxic substance; add some regular excercise and improve your diet. If you can keep in shape for 6-12 months, your rate will fall down and you can enjoy additional cash - and also improved health!