Life Insurance Medical Exam Tips

When you apply for life insurance, you typically will be asked to have a Life Insurance Medical Exam performed by a licensed health professional. The insurance company will order the exam on your behalf and you will receive a call to schedule the appointment.

In order to obtain the most favorable results, you should prepare for this exam. You have the
potential to lower your risk rating and thus lower the cost of your Term Life Insurance.

10 Helpful Tips-

1. Limit salt and high cholesterol foods 24 hours prior to the exam
2. Refrain from drinking alcoholic beverages for at least 24 hours prior
   to the exam
3. Limit caffeine and nicotine 24 hours prior to the exam
4. Smokers: Do not smoke 30 minutes prior to the exam
5. Fast for 4-8 hours prior to the exam and try to schedule the exam for first thing in the morning
6. Drink a glass of water one hour prior to the exam
7. Get at least 8 hours of sleep the night before the exam
8. Limit strenuous physical activities 24 hours prior to the exam
9. Be prepared to provide names and dosages of current medications and a photo ID
10. Have names, addresses and phone numbers of any doctors or clinics visited in the last 5 years

Additional Considerations that may help you your Life Insurance Medical Exam:

Many factors contribute to determining the cost of term life insurance. If you suffer from one of the following conditions, please follow these additional guidelines:

Hypertension

• Avoid stimulants (caffeine, alcohol, cigarettes)
  
• Have the examiner take your blood pressure after you have had a chance to relax:
  preferably 3 attempts at 10 minute intervals
• Take your usual medications before the life insurance medical exam

Diabetes

• Schedule the life insurance medical exam for 2 ½ hours after a meal (no sweets/sugars after the meal)
  
• Empty bladder right after eating

Life Insurance Medical Exam Questions
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