Stress Reduction - Not Just for Life Insurance Underwriting

Life Insurance

Does stress really influence life insurance underwriting? It is not an official diagnosis or condition that is found in an underwriter’s prequalification guide. But it goes beyond the possibility of requiring an actual stress test exam that may be required for your life insurance application. We are talking about the everyday life circumstances and situations that may increase stress that can cause lasting health problems.

Often times people go to the emergency room complaining of chest pain, anxiety attacks, or migraine issues only to find out that these issues were not brought about by some clogging of the arteries or a chemical imbalance in the brain, but by a lifestyle that induces or “breeds” stress. It is the stressful way of life, the individual’s “mindset” and what he or she deems as important in their lives, or more importantly, the way they handle their troubles, whether at work, at home, or in some other environment that can ultimately determine whether or not stress will create physical, mental, or even spiritual health issues. These trips to an emergency room may lead to more serious problems in the future or may not. But did you know they do become part of your medical records that life insurance underwriters will more than likely be able to review and could have bearing toward obtaining a preferred rate class or not.

I have recently finished reading a book by Dr. Norman Vincent Peale entitled, “Confidence.” It has really shed a light on some of my own weaknesses and has given me a New Year’s Resolution to work with. The resolution is to reduce stress in my life by changing my way of thinking. I decided I would be a “How” thinker instead of an “If” thinker. It is a rather thought-provoking distinction.

The “if thinkers” brood over a difficulty or set back, saying in a disgruntled manner to themselves, “If only I had done this.... If that person hadn’t done that.... If only this circumstance had been different.... etc.” With this mindset, an excuse is always closer than a solution, but their stress level often tends to be heightened because of this negative viewpoint. Where is the peace-of-mind in that?

The “how thinker,” as a polar opposite, wastes no energy on postmortems when trouble or disaster strikes, but immediately, prudently, and without hesitation, hastens to find the best solution, for he or she is confident there is a way. They might ask, “How can I use this setback creatively? How can I make something good out of this?” The “how thinkers” will get problems solved effectively because they know that difficulties, trials, tribulations, and yes, suffering, will bring out their strengths. They will waste no time with the futile “ifs” but will go right to work on the creative “hows.” They create a positivity that breeds peace and serenity.

The next time trouble strikes, avoid the word if. Rather, focus on the dynamic word how.

Whether you plan on buying life insurance and want to reduce your stress level so you can potentially get a better rating class, or you simply want to live a healthier stress reduced life in general, this simple word choice “will” make all the difference in the world.

About the author: Kyle McDonald holds FIC, FICF, FSCP® & CLTC designations. His viewpoint on life insurance is simple, “Anyone with a family must have life insurance. In the end, life insurance is for others you care about, not you.” He is ready to help you and your family get the best option available. Contact Kyle today at   1-800-651-1953 or