Life Insurance Exam

Preparing For a Life Insurance Medical Exam

When you purchase some life insurance policies, a standard practice is to make you go through a medical exam. This medical evaluation is used by the insurance company to determine the amount of risk you pose to them when they offer you coverage. The majority of exams are done by a doctor or a licensed paramedical company and are done in less than an hour, so they are a relatively quick procedure. The exam includes certain tests, such as taking your height and weight, your blood pressure, as well as a urine and blood sample.

Insurers do not charge anything for the exam. Your insurance agent will help you set up the appointment. These exams will either be completed at home, or at another location, such as a doctor's office. All results are used solely for the purpose of determining your risk class for life insurance and are strictly confidential.

Tips to Prepare For Your Exam

• Avoid stressful activities or strenuous exercise for a minimum of 24 hours before the exam.
• Drink plenty of water on the day before the exam.
• As your blood pressure and a blood sample will be taken, you should wear loose fitting clothing and short sleeves, as this will allow for easier access to your arms. If you have any special needs, be sure to let your insurance agent know.
• It is recommended to have your exam done in the morning before your first meal. Exam results are usually more accurate if taken before the first meal.
• Do not use alcohol for at least 24 hours before the exam and avoid tobacco products for at least an hour before your medical examination takes place.
• Avoid caffeine or other stimulants for several hours before the visit, as these could result in elevated blood pressure.
• Be ready to answer questions about your whole life's medical history. These questions pertain to any prior or existing health conditions, surgeries you've had, and any medications you currently take or have taken in the past.
• Bring a list of medication you are taking, as well as medical information from your primary care physician and any other medical professionals you see regularly, as this may be required during the exam, especially if you have any medical conditions.
• Insurers are quite flexible as to when the exam is scheduled. This means that you can have your exam scheduled any day of the week, including during weekends. Therefore, you should have no problems selecting a date and time that will fit in well within your existing schedule.

Now that you know a bit more about the life insurance medical examination, are you ready for your free quote? If so, get your quick, no-obligation quote now by filling out our simple online form.