Do I Need To Prepare For A Life Insurance Medical Exam?

Whenever you apply for a life insurance policy, chances are that you will be required to take a medical exam before the policy can be purchased. Life insurance companies require these exams to determine the state of your health. This helps them evaluate the risk involved with your policy and determine the amount of premium that you will be required to pay. People in excellent health will often get a much better life insurance premium than people who are in poor health. There are a few things that you can do to make sure you get the best possible results on your life insurance exam.

Your exam will be performed by a medical professional and will include testing of your blood and urine, as well as checking your blood pressure. There will also be a form with questions about your medical history that will need to be answered. The exam is usually paid for by the insurer and does not take long.

To help you get the best results on your life insurance medical exam, be sure to eat a healthy and balanced diet for a week or two before the exam takes place. Avoid things like salt that can make your blood pressure high and fatty foods that can increase cholesterol. Exercising is another great way to help you improve your results the week before the exam. When you are about 3 days out from your exam, eliminate all alcohol from your diet. This can elevate the enzymes in your body and produce unfavorable test results. Finally, starting the day before your exam, avoid drinking caffeine and other products that can raise blood pressure. These include pain medication and decongestants (unless prescribed). Also avoid rigorous activity, including exercise that will cause you to have high protein counts in your urine.