1-2-3 for life insurance medical exam

Ask questions before your exam for any special tests that may be scheduled. Here is most of the information you will need for most life insurance medical exams.

  • You want to be in your best health for the exam. Try to pick a date where you will have had a good night's rest. If you feel a cold or flu coming on then you should reschedule for a later date.
  • If you are on a prescription it is important that you do not change your schedule. Your information about what you are taking is part of the questions you have been asked and results will be viewed with this in mind.
  • If you feel a bit nervous about the whole exam process it could reflect with a higher blood pressure. Ask that this procedure be done when you are feeling a bit more relaxed. If it does come in high, ask for a second reading. Be calm and do not have your blood pressure tested right after climbing the stairs or dealing with an unruly child. Coffee will increase your blood pressure and heart rate. A drink within 48 hours can affect your blood pressure reading.
  • You should drink water before giving a urine sample. It is recommended that you drink at least an eight ounce glass within an hour before giving the sample.
  • Avoid caffeinated drinks for a few hours before your examination. This is not just coffee, this applies to most soft drinks and energy drinks or bars. Check the labels of anything you take for a full day prior and the morning of your examination.
  • You may have to fast if you are giving blood. It is usual that you must avoid eating for at least eight hours. A little bit of water is fine if you are thirsty but no coffee or milk.
  • If you smoke then you need to hold off for at least an hour or so before your appointment.
  • If you drink then you need to avoid liquor for 2 days before your examination. It can skew the blood results.
  • Skip your exercise the day of your appointment. Exercise can skew the level on your cholesterol readings.
  • If there is any special testing that you will be required to take, you should be advised ahead of time. Ask if there is any protocol you should observe prior to taking the test. Do not make assumptions that you have all the information. Ask questions.