Life Insurance Medical Exam Tips

Preparing for your life insurance medical exam is one of the most effective ways to qualify for lower premiums — and a few simple steps in the days before your exam can make a meaningful difference in your results. Taking a medical test is not all that different. Insurance companies need to qualify you for an insurance policy by checking your medical past with your doctor(s).  But first, they want to check you out for themselves. They will send an examiner to a place of your choosing to conduct a free medical exam that usually takes less than an hour. Here are a few preparation tips for your life insurance medical exam to help you prepare and maybe ‘ace’ your insurance medical test.

Tips to ACE Your Life Insurance Medical Exam:

• Avoid substances that spike your readings. At least a day before the exam, avoid alcohol, tobacco, caffeine, and high-sodium or high-fat foods — all of which can temporarily elevate your blood pressure or pulse.
• Prepare your medical history in advance. Bring a complete list of all medications you take, along with the contact information for your physician(s). Having this ready speeds up the exam and demonstrates thoroughness to the insurer.
• Get a full night of sleep. Being well-rested won’t change your lab results, but it helps reduce “white coat anxiety” — the tendency for blood pressure to read elevated during a clinical setting.
• Time the exam strategically. Female applicants should avoid scheduling the exam during menstruation, as it can affect certain lab values. Morning appointments are also generally better — cholesterol and glucose readings tend to be more favorable before eating.
• Know what’s at stake. Strong exam results can qualify you for preferred or preferred-plus risk classifications — the lowest-cost tiers available. Your preparation directly affects your rate.

Follow all these steps and you are likely to obtain the best results possible in your life insurance medical exam.

FAQ

Q: What happens during a life insurance medical exam?

A: A licensed paramedical examiner visits you at a location of your choice — home, office, or a local exam center. The appointment typically takes 20–45 minutes and includes a blood pressure reading, blood and urine samples, height and weight measurements, and a brief health history interview. No payment is required — the insurance company covers the cost.

Q: How far in advance should I prepare for my life insurance medical exam?

A: Start preparing at least 48–72 hours before your exam. Avoid alcohol, tobacco, and caffeine in the final 24 hours. Schedule a morning appointment if possible and fast for 8–12 hours beforehand for the most accurate blood glucose and cholesterol readings.

Read more about:

• Medical exam vs no medical exam
• Save money on life insurance
• Factors affecting life insurance costs
• Why lying on a life insurance policy is not a good idea
• And other secrets about life insurance

At LifeQuote, our experienced insurance agents will work with you to find the insurance company with the most competitive rates for your situation.

To compare quotes, simply email us or call our licensed agents at 1-800-521-7873.