You want to provide financial security for the loved ones who depend on you, so you’ve been researching a life insurance policy and know a medical exam is part of the process when you apply. To help you prepare, we’ve gathered a few details of what you should and should not do the day leading up to your exam.
The life insurance medical exam needed for most fully underwritten policies shouldn’t be a nerve-wracking event. Life insurance exams can be conducted in your home, work or local medical facility, free of charge.
And here’s what you can expect: The life insurance exam is a brief, basic checkup that is the final step of your application. Your blood pressure, height and weight measurements and a medical history will be taken, as well as blood and urine samples. The information obtained helps your insurance company to offer you the best rate possible.
In preparing for the exam, there are a few simple steps to take 24, 12 and 1 hour(s) beforehand – and they are practices that may already be part of your routine, like avoiding alcohol, tobacco and high-cholesterol foods, or drinking water and getting a good night’s rest.
Once you have completed your life insurance medical exam, your information will be processed and a representative will contact you with the results or any outstanding requirements necessary to issue the policy.
The Anatomy of a Life Insurance Medical Exam
A quick checkup can be a final step in applying for life insurance.
What to expect
A certified medical professional will conduct the examination, which can take less than 30 minutes. The exam can be completed at your home, place of work or local medical facility.
Here are a few things to expect:
• A brief interview about your medical history
• Height and weight measurements
• Blood pressure check
• Collection of blood and urine samples
• In limited cases, an ECG or EKG reading may be required
Preparing for your exam
Follow these guidelines to ensure your appointment goes smoothly. If possible, schedule it in the morning, or at a time when you’re typically relaxed
24 hours before exam:
Avoid strenuous exercise
Get a good night’s sleep
12 hours before exam:
Avoid alcohol, caffeine and high-cholesterol foods
Wear easy-to-roll-up sleeves
Have your identification with you
1 hour before exam:
Avoid using tobacco