Life Insurance Medical Exam – What you need to know

Life Insurance Medical Exam – What you need to know

Need to take a life insurance medical exam? There’s no need to get stressed!

Here are some quick tips to make it easier:

Schedule Time – When arranging for your appointment, try to secure one as early in the morning as possible, as the early morning is when your body is least stressed.

Food – Fast for at least 8, and preferably 12 hours before your life insurance medical exam (another reason to pick a morning appointment). Also, avoid salty and fatty foods for a day or two prior. Fatty foods can alter your cholesterol readings.

Water – It is recommended that you drink water an hour before your exam, as you’ll be asked to provide a urine sample.

Sleep – The night before your life insurance medical exam, it’s important that you get the proper amount of sleep. Your body needs to be well-rested in order to achieve the best possible results during your exam. Do not take any medication to help you to sleep, however, as this will negatively affect your tests.

Exercise – The day before your exam, stay away from any strenuous physical exercise. This means no working out at the gym or playing touch football or anything that normally causes you to physically exert yourself to a greater degree.

Alcohol – Do not drink any alcoholic beverages for a full 24 hours before your exam, as this could alter the results of your blood test.

Caffeine – Drinks like coffee, lattes and espressos, soda and tea should not be consumed for several hours in advance of your exam. Caffeine is a stimulant and can increase your heart rate.

Tobacco – NO tobacco use of any kind for 24 hours before testing, otherwise you run the risk of an inaccurate blood pressure reading, or heart rate, as it is also a stimulant.

Decongestants – Do not take any decongestants for a full day (24 hours) prior to your health insurance exam. Decongestants can increase blood pressure.

Exam Day - Wear short sleeves, have your medical records, photo ID, list of medications, and most of all remain calm! You will do great.

As you can see, there is nothing to worry about. Your exam should only take 20-30 minutes and then you can get on with living your life and proceeding with your purchase of the best life insurance policy for your family and your needs.


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 KMcDonald@Pivot.com.