Preparing For Your Life Insurance Medical Exam
A lot of life insurance policies require you to take a medical examination. It helps insurance underwriters determine the risk of death at any given point of time in your life. Someone who is in excellent overall health will have a lower term life insurance rate than someone who is in poor health.
There are only two things you must keep in mind before you take your life insurance medical exam:
- Be prepared
The life insurance exam is similar to an annual health checkup. It consists of:
- Blood and urine collection
- Height, weight, blood pressure and pulse will be recorded
- Personal and family medical history will be collected
- Series of health questions
- If required, an electrocardiogram (EKG) or additional tests.
The life insurance health exam, performed by a licensed medical professional, can take place in your home or office, and is paid for by the issuing life insurance company. It should be scheduled as early in the day as possible and should not take more than 30 minutes to complete the exam.
By properly preparing for your medical exam, you can avoid abnormal results, which could negatively affect your life insurance rate. Your habits (dangerous hobbies like bungee jumping or skydiving, for instance) and your history (alcohol abuse, drug use, etc.) are just as important as your health condition when it comes to factors that may have an impact on the rate of your term life insurance.
Read on to find out how to get the best results on your life insurance medical exam.
Life insurance medical tips:
Schedule your exam for first thing in the morning
Starting three days before the exam:
- Eat as healthy as possible
- Avoid alcohol, fatty, salty, and foods high in cholesterol
24 hours before the exam:
- Avoid strenuous exercise and caffeine
- Take prescription medications on schedule but avoid nasal decongestants, aspirin and ibuprofen if possible
- Get a good night's sleep
- Fast for at least 8 -12 hours (NO food - water only)
The morning of the exam:
- Drink water ONLY and DO NOT eat (if possible-i.e. follow your doctor's orders)
- Avoid tobacco products
- Be relaxed in body and mind before and during the exam
Items to have available on exam day:
- Driver's licenses or photo ID
- List of medications/dosage, doctor’s information, dates of diagnosis, treatments, surgeries, and existing or prior medical conditions