Quote:
Originally Posted by DoubleF
Well, someone is going to get an ass kicking from me if they continue telling me I overpay for life insurance because I had a burger and vodka the night before the physical.
And yeah, I was under the impression most brokers will refuse to name someone below the age of 18 as the benefactor, but it would be good to know why none the less. |
Well its just misinformation. Having a cheeseburger and fries for dinner and then having your blood sample completed that night shouldn't cause your cholesterol to register as high just based on that. If you eat that every night for years you likely won't be surprised to hear that it might have an impact (and yet again, let me just disclaim that I'm not a doctor and that science might disagree with the actual impacts of long-term red meat consumption or whatever!)
Also, understand that insurers know that we're real people doing "normal" things and living "normal" lives. If you are in a place where you inhale second-hand smoke the day before your exam, unless its an enormous amount, you're not going to be rated as a smoker. If you are, you can challenge that and explain the situation. If you have never heard that you have high blood pressure or high cholesterol and suddenly the readings are off the chart then you can try to explain yourself or give a credible explanation of why that could be the case (and white-coat syndrome is a potential explanation for high blood pressure).