Life insurance is one of the most important decisions you will ever make. With crucial decisions can often come a feeling of anxiety and stress. You may be concerned if you can be approved for coverage at all. Especially if you believe or know that you fall into a high-risk life insurance category. The individual conditions and symptoms that you may have can range greatly.
Unfortunately, all of them may impact your life insurance. The question that I wanted to cover today is simple in nature. Can I get life insurance with white coat syndrome, and will it make me fail the medical exam for life insurance? With years in the industry and helping thousands of clients, here is what I can tell you.
So, can I get life insurance with white coat syndrome? Yes, you can get be approved for life insurance with white coat syndrome. During the exam, you will have several attempts to get a controlled blood pressure reading and can inform your examiner of the situation.
I wanted to take the time here today to break down your options and precautions you can make/take. I also want to give you an inside look at everything you can expect during the life insurance application process.
This should provide you with the best chance of being approved for coverage and being accepted at the best possible rates.
Let’s dive into it.
More About Life Insurance and White Coat Syndrome
White coat syndrome can be a concern for you and can concern for the life insurance company for several reasons. First, the big concern is that you aren’t a victim or someone suffering from high blood pressure. High blood pressure is a cause for concern for many other reasons.
You see, life insurance companies want to know your overall mortality risk. This is how they can ultimately make a judgment call through the underwriting process about if they should approve your case and if they do, what overall rates you should expect to pay on a monthly, quarterly, semi-annually or annual basis.
If a life insurance company believes you are a high risk for other medical situations to arise due to high blood pressure such as heart disease, obesity or even stroke is when things can get a bit complicated during the life insurance application process.
So How Does White Coat Syndrome with Life Insurance?
So, what’s the case with white coat syndrome and how is it going to impact your overall chances of approval? Well first, let’s break down the process. When you apply for life insurance, you are going to be asked several questions during phase 1.
During phase 2, you typically will begin scheduling and planning the medical exam portion of the process. The only way this part of the process is avoided is by considering no-exam life insurance.
Several companies offer these types of policies but in some situations will carry a bit of a heftier price tag per month.
No worries about the cost either, the exam portion of the process is free. The life insurance companies pay for this exam, and the registered nurse/examiner will come to you.
Here’s What You Can Expect During the Exam
During the medical exam, you can expect to be asked a series of questions that come from a questionnaire the life insurance company provides the examiner. Also, a blood draw is standard, a urine sample and of course the blood pressure reading.
This is the time to inform the examiner if you do suffer from white coat syndrome. This can help dramatically for the company to understand and document that there may be a cause for the elevated blood pressure.
The Third Time May Be the Charm
Additionally, the examiner in these cases will usually let you take your blood pressure up to three times to help give you a moment to calm down and get the blood pressure under control before documenting the blood pressure reading for the life insurance company.
This can be beneficial for many reasons, but I think it’s obvious why this a perfect thing for the client.
Usually, with white coat syndrome, you have a good chance of calming down during the process and getting an average reading.
It can often be the first few that are elevated the most and maybe the third reading will be your lucky charm. Here are a few other things that can help your case and prove white coat syndrome as opposed to not actually having high blood pressure.
It’s always important to understand that when applying for life insurance nobody is out to get you. Not the life insurance company, the agent or the examiner. In fact, the examiner doesn’t even represent the company or you.
It’s a private third-party representative who helps you so you can breathe easy that you are being represented by unbiased fair individual who only will document what they physically see or observe during your medical exam.
Just always be sure to be detailed and honest with the examiner about anything that you would believe is relevant information or something you think would ultimately make or a break a decision on final approval on your application or the ultimate price you end up paying per month.
Documentation, preparation, and honesty are the keys to approval with life insurance and the keys to approvals at cheapest rates.
Caffeine, Stress, Smoking, and Fasting All Make A Difference on Your Exam
These may seem like simple fixes to bring you to the next level on your life insurance exam, but surprisingly enough, they are often ignored. You see, even if you have white coat syndrome that doesn’t necessarily means you are doomed on the blood pressure reading.
However, every point does count. Usually, if you have a great agent like us over here at Good Life Protection, you can rest assured that we will provide you the directions needed to ace your exam. This starts with following some basic instructions.
You would be shocked out much these small tweaks can take you from a higher price on your life insurance policy to achieving the rock star rating you deserve.
Understand that Life Insurance Companies Are Fairly Lenient with Your Blood Pressure
Another essential thing to take note is that you have more wiggle room with your blood pressure than you may think. The life insurance companies understand you may get anxiety over this 15-minute drop by and that your blood pressure may be slightly elevated.
You have a much higher blood pressure reading that you can get that you may think. Some companies will even offer preferred rates if your blood pressure is in the 135-140 over 85-90 range. I think we can all agree this isn’t the most ideal blood pressure at a regular doctor visit.
Relax, take a deep, and you will do just fine.
No Exam Options for Life Insurance with White Coat Syndrome
Alright, let’s assume that we have done a terrible job convincing you that taking the exam is a great option and you still want nothing to do with it. If this is the case, you can always opt to complete a no-medical-exam life insurance policy/application instead.
Plenty of excellent life insurance companies such as the following offer fantastic coverage that often even includes living benefits. Here’s a look at them.
If you go this route, you only have a few steps that you need to worry about. First, you will complete the medical questions on the applications and provide the contact of your doctor.
This is in case the life insurance company decides that they want to pull what’s known as an “APS” or attending physician statement. Just because you are opting for a no-exam life insurance policy does not mean they don’t double check all their sources.
They will also run an electronic database check on your prescription history and your driver’s license double checking you’re not a frequent drinker and driver.
If all of this is good to go. You are approved quickly and have coverage that will go into force. This means that you have no exam, but the rest of the process looks the same.
The good news is that if you know are 100% healthy, this can be a great option to avoid the chances of a higher premium due to your white coat syndrome or other findings that may reveal themselves during the life insurance medical exam.
This can be a great option overall for many individuals. I get it. I hate needles and blood pressure readings as well.
Preferred Plus Rates Are Available Even with High Blood Pressure
I know we touched on this briefly already but wanted to touch on it again. Some people tend not to believe me when I speak to them on the phone. The wiggle room is more significant than you think with high blood pressure and life insurance approvals.
If you have white coat syndrome, do not fear that you will be able to be approved at preferred rates.
The likely scenario is that you will be able to be approved rates and that’s about as much convincing I can do for you. You will just have to take my word for it at this point.
Independent Agency Model Only When Suffering from White Coat Syndrome
Listen, captive agencies are great at many things. Life insurance companies like State Farm or Farmers can be significant and really save you a bundle on home and auto but they aren’t solely life insurance companies, and it’s not what they do.
Let us handle that. We are equipped to know the best life insurance company for you to choose and can also write cover letters and explanations for you to explain your battle with white coat syndrome.
Long story short is that we have every company batting in our corner as opposed to one so you can always rest assured that we are going to get the job done one way or another the first time around.
That’s a guarantee that you can take to the bank!
Potential Life Insurance Companies You Can Consider with White Coat Syndrome/High Blood Pressure
Life insurance companies with white coat syndrome are not nearly as important as choosing the independent agency model we discussed just moments ago. Here’s why. Let’s say we submit your application with Prudential Life Insurance, and you are perfectly healthy.
Let’s also assume you are completing the medical exam and we end up getting a high reading on the blood pressure due to the white coat syndrome. Well, when Prudential comes back even one class below what we are looking for, guess what we can do?
We can decline the offer, use the same medical exam you have already completed, draft a cover letter and explanation and submit the case to over 50 additional companies and see who makes the best offer. If you want the best price no matter what, this is the only way to do it.
No questions about it and no matter what someone has told you, it’s a lie because this is just how life insurance works. If you have been told differently, I’d recommend running for the hills because you are likely being represented by un-ethical agent.
Not Jake from State Farm and not Alex Trebec from Colonial Penn is going to save you more money than we or any other independent life insurance agency can.
That’s another guarantee. If you don’t believe us. Try it your way. Run your application with a Captive Company and then come back this direction and compare the rates. We promise, we won’t tell you that we told you so. But, we will save you money.
Putting It All Together. You Can Be Approved for Life Insurance with White Coat Syndrome
At the end of the day, we understand you may be nervous, and we see this literally every day. Nobody ever wants to do the medical exam. Literally. Ever. Some are okay with doing it, but we always see hear the same tone of voice on the other end of the phone when we mention it. Like “damn, I thought I was going to sneak by and not need it.”
Nope unfortunately the no medical exam insurance is the only fix in the industry thus far for this problem, but we have noticed companies are trying to find new ways and attempting to leverage new technology to help remedy the problem.
The Sad Truth We See Very Often with Life Insurance Medical Exams
The sad truth is that the exam alone makes people not want life insurance when they could easily be approved and protect their family. I get that the exam is no fun, but this is about as bad of an excuse as it gets for not financially protecting your own family including your wife, kids, grandkids or whoever it may be.
Either do the exam, or don’t but don’t forgo coverage altogether. That’s a big mistake that can’t be reversed if you ever do meet your maker.
I think it’s the fear of not knowing what’s all involved or just thinking it’s more invasive than it really is. You just must take our word for it that it’s not nearly as bad as you think.
It’s short, it’s sweet, and it’s to the point. Again, if you suffer from white coat syndrome, let your agent know up front and inform the examiner that comes out to complete your exam.
Keep in mind these exams are entirely free and follow our directions detailed in this post, and you will have absolutely nothing to worry about. It’s as easy as 1,2,3.
What’s your experience with applying for life insurance in the past with white coat syndrome? Have we left anything out?
Be sure to use our quote form on the right to get started comparing rates from over 50 of the top-rated life insurance companies and if you have any additional questions or concerns, drop a comment or give us a call today at the phone number provided in the top right of your screen.
We are always here to help you achieve the lowest possible life insurance rates anyone can expect.
May the best price win.
Josh Martin is the founder of Good Life Protection. He began his career as a captive Agent working for New York Life Insurance Company. After continued education and designations, Josh founded Good Life Protection to provide consumers with more options and insurance that truly fits into your budget and health classification.