Your life insurance exam is a required step if you wish to receive the best possible risk classification, and thus the lowest premium for your life insurance. This insurance medical exam is part of what is called a fully underwritten application. If you are less concerned about the cost, and more concerned about timing and ease of application, there is another option: what is known as a no medical exam life insurance application.
Your medical exam will be conducted by a licensed practitioner, who can complete the exam with you in 30-45 minutes. This can be done in the privacy of your home, or at your office or local clinic. The examiner will extract a blood sample and urine specimen, and also will measure your height, weight and blood pressure. Additionally, the examiner will complete with you a health history questionnaire for evaluation by the life insurance company underwriter.
To prepare for your insurance medical exam, there are some things you can do to help achieve the best possible results. First and foremost, you should fast for at least eight hours prior to the exam, and drink lots of water. Since your blood pressure is an underwriting factor, you should avoid strenuous excercise for 24 hours prior to your life insurance exam. For these reasons, it is best to schedule your medical exam for the morning, when you will be well-rested and fasting. Note that most examiners are available for weekend medical exams.
During the days leading up to your life insurance exam, you should avoid food and drink that might raise your blood pressure, cholesterol or tryglycerides. These are all important underwriting factors that will affect your risk classification and premium. Substances to avoid are tobacco, alchohol, coffee, cola, red meat, dairy products and foods high in sodium. Excellent substitutes are chicken, fish, fruits, vegetables, fiber and cereal.
If you are taking medication, you should continue to do so. If your stress factors are high prior to the exam, you should consider rescheduling it to a better time. Diabetics should eat 2-3 hours before the medical exam, and be sure not to consume any sugar afterwards. One other hint of importance to those with large arms: Make sure to request a larger cuff before allowing the examiner to take your blood pressure. This is very important, as readings will be very inaccurate if the cuff is too small for your arm.
Remember: you are in charge. If there any reasons mentioned above that necessitate rescheduling the life insurance exam, do so! Getting a measurement changed later is very difficult and time consuming. Better to do it right the first time.