Many types of life insurance policies do not require a life insurance exam. If a medical exam is required, it will be an important factor in obtaining an approval with affordable premiums.
We will take care of scheduling your free medical exam at a time and location that is convenient for you. During the examination, a medical professional will gather the following health information.
- Medical history and current health conditions.
- Vital statistics (height, weight, blood pressure, pulse)
- Blood and urine specimens
There are a few steps you can take to prepare for your medical insurance exam to achieve the best results possible. However, it is important to note that the lifestyle benefits of these tips depends upon the amount of time you are able to incorporate them into your life before the exam.
Modify Your Diet As Soon As Possible
- Lower your blood pressure and cholesterol results by eating leafy green foods like broccoli, spinach, and salads.
- Raise your HDL, good cholesterol, by eating foods like olive oil, fish, peanut butter, avocados, apples, and oranges.
- Avoid processed foods that are high in salt and sugar. Salt can result in higher blood pressure readings and sugar elevates blood sugar results.
Prepare Documents for Your Life Insurance Exam
Leading up to your exam, it is important to prepare documents listing your medical information. Having these documents completed prior to your exam will help shorten the length of your exam and reduce stress associated with trying to find this information while the examiner is waiting.
- Identification. The medical examiner will need to verify your identity prior to starting the exam.
- Medications. Make a list the medications you are currently taking.
- Health Care Team. Create a list of your doctors along with their contact information.
- Family History. List family members with their health conditions and relationship to you.
24 Hours Before your Life Insurance Exam
- Drink plenty of water. Staying hydrated will flush your system and plump up your veins so it is easier to draw your blood. Also, staying hydrated reduces the concentrations of sugars and proteins in your urine.
- Avoid physical exercise. Rigorous workouts can elevate your blood pressure and increase the proteins in your urine which raises red flags for kidney problems.
- Get 8 hours of sleep. Getting adequate rest allows your body to process food and repair itself. The lack of sleep can contribute to unfavorable test results.
- Eliminate alcohol at least 24 hours before your exam. Alcohol is dehydrating and can skew liver enzyme results. It is also concerning to insurance companies if the alcohol levels of your urine sample is high.
- Avoid processed foods that are high in salt and sugar to eliminate impacts to liver function and blood sugar results.
- Limit coffee and energy drinks. Caffeine is a diuretic which works against your hydration goals and boosts your blood pressure and heart rate. Avoid drinking any coffee or energy drinks the morning of your exam.
8 Hours Before Your Life Insurance Exam
- Fast. Refrain from consuming any food or drink, other than water, to avoid negative impacts to your test results.
- Eliminate Coffee to avoid elevated blood pressure readings.
1 Hour Before Your Life Insurance Exam
- Continue fasting.
- Drink a glass of water to prepare for the urine sample.
- Refrain from smoking. The stimulant in nicotine can elevate blood pressure.
During Your Exam
- Dress in light clothing and shoes to minimize the weight recorded by the scale.
- Make sure you are calm, and as relaxed as possible, before the medical professional checks your blood pressure. Try relaxation techniques and avoid confrontations which may lead to stress.
- Stand as tall as possible to achieve the best height reading.
After Your Exam
After your exam is finished, you can count on us to keep you informed while we wait for your life insurance results.