Life Insurance Medical Exam Preparation
We have a complete guide offering tips to acing your paramedical exam. But a few things you should be aware of are:
Eat Well: focus on foods high in good cholesterol (HDL), avoid bad fats that can raise your bad cholesterol (LDL), avoid sugar and foods that can cause high blood glucose or high blood pressure.
Drink water: drink plenty of water. Be prepared to give a urine sample. Water also helps open your veins for the blood test.
Avoid exercise and alcohol: 24-48 hours before the exam, stay away from excessive alcohol and exercise. You don’t want to get dinged for an alcohol marker and you don’t want elevated proteins in your system.
Fast: You will need to fast 8-12 hours prior to your paramed exam. Rather than go hungry and become irritable to all those around you, take the exam first thing in the morning and “fast” in your sleep.
Sleep well: Get a good night’s rest. Don’t overthink the life insurance physical and don’t stay up late. A good night’s rest will do wonders for your overall well being.
Morning Preparation: remember to drink water but avoid eating. Lock out your elbow for the blood draw as it makes the blood test virtually painless. Stretch for those few inches on your height measurement and wear light clothing.
Want to make sure you are ready for your exam? Read our article on how to ace your life insurance physical exam: 6 money saving tips. This article covers everything from the food to eat before your exam, what to refrain from prior to the exam, and tips for the morning of your life insurance health exam.
The process of obtaining coverage consists of first choosing a product from the different types of life insurance policies. If you choose a life insurance product that requires a medical exam then the next step after filing out an application is for an examiner to come to your home and conduct an exam. You can avoid having to take an exam by choosing no medical exam life insurance. We work with companies that offer up to $1,000,000 in coverage and up to $2,000,000 no exam life insurance for second to die life insurance.
Not sure if no exam life insurance is right for you? Read our article on the advantages of no exam versus exam life insurance. For addition information regarding which insurance companies we feel are currently offering the best no medical life insurance options, please visit our article: Top 10 No Medical Exam Life Insurance Companies.
If you choose to take an exam the examiner will meet you at home, your place of business, or you can come by the exam office. The exam consists of the examiner taking your height and weight, blood pressure, urine sample and blood sample. At times an EKG will also be required for older clients or for clients looking to get a large amount of life insurance death benefit coverage.
The examiner will also inquire into who your primary care physician is as well as any other doctors you have seen recently. Finally, the examiner will request your see driver’s license for identification purposes.
Upon completion of your life insurance health exam, the examiner may have some additional application questions to go over with you. The examiner will ask questions about your health and lifestyle which will probably be a repeat of what your agent already asked you. One reason they do this is to be thorough but another reason this is done is to look for inconsistencies. Inconsistent answers raise red flags with the life insurance underwriter who may request additional information such as physician statements.
A typical life insurance medical examination will take between 15-30 minutes and between 30-45 minutes if an EKG is required (typically for clients 60 and up and for those qualifying for larger face amounts).