Life Insurance Medical Exam Preparation
How to Get the Best Results
On a scheduled day, many life insurance companies will send a nurse to your home or office to conduct the exam. Whether or not the insurance company provides you with instructions for the exam, the following tips are advisable:
Avoid strenuous exercise for 1 day prior to the exam.
Get a good night's sleep.
Avoid alcohol, nasal decongestants and pain medications for at least 12 hours prior to the exam.
Do not consume caffeine, including coffee, tea and soda, for eight hours before the exam.
Fast for at least 12 hours prior to the exam, if possible, although drinking water is fine.
Drink a glass of water one hour before the exam in order to help you provide a urine sample.
If you are taking drugs prescribed by a doctor, have proof of the prescriptions, such as the pharmacy bottles, available for the examiner to review. Continue taking any prescription medication as directed by your physician.
Wear short sleeves and bring a photo ID to the medical examiner. The life insurance medical exam is typically paid for by the insurance underwriter. The information is strictly confidential and is only sent to the underwriting insurance carrier you choose to buy your life insurance policy through.
A nurse or medical technician comes to a location of your choice to collect life information from you. This includes medical history, height, weight, blood pressure, pulse, collect a urine and a blood sample, and performs an ECG/EKG if necessary. The exam usually takes less than 30 minutes.
Following these guidelines will aid an applicant in getting the best results from the exam and ultimately help the applicant in obtaining the most affordable life insurance. For term life insurance, get reliable quotes from Compare Life Quotes by filling out the form on this website.