Asked by Erin  |  Submitted March 30, 2016

If I cannot get a preferred rate for life insurance, am I able to re-take the health exam to possibly get a lower rate?

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  Answers  |  1

March 30, 2016

Erin, yes you can retake the exam but it is not as simple as that. Retaking the exam may get you the same result as the first exam. Also, the carrier may simply average the two sets of data - and that won't likely get you a difference in rate class. Here is more: the exam is not the only factor influencing the less-than-preferred rate class result, so touching on that single factor as if it is the only factor is not the way to go.

I would be willing to bet you a hot cup of coffee that something else is keeping you from the preferred rate class. Want to dig into the topic a bit? Contact me through my profile.


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