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Tips for Taking a Life Insurance Medical Exam

Most life insurance carriers require a medical exam in order to rate your health class. If required, the medical exam will be paid for by the insurance carrier. An individual who is in excellent health will be offered a lower rate than someone who is in poor health.

The life insurance medical exam can take place in the comfort of your home or office and is administered by a licensed medical professional (known as a paramed). The exam is similar to an annual checkup and should take approximately 30 minutes.

During the medical exam, the paramed will collect a blood sample, urine specimen, a blood pressure reading, and in some instances, an electrocardiogram (EKG). They will also measure your height and weight and ask you a series of health questions.

Here are some simple Life Insurance Medical Exam Tips to help you get the best results, saving you money on your life insurance:

5-7 Days Prior to the Exam

  • Practice a healthy diet the week prior to your life insurance medical exam. Minimize the use of salt and avoid excess fatty foods.

3 Days Prior to the Exam

  • Don't drink any alcohol at least 72 hours before the exam.

24 Hours Prior to the Exam

  • Limit intake of caffeine as it can raise your blood pressure.
  • Don't use any nasal decongestants, aspirin, acetaminophen or ibuprofen.
  • Avoid strenuous activities including jogging, weight lifting or swimming.
  • Do not smoke or chew tobacco.
  • Get a good night's sleep.

8 Hours Prior to the Exam

  • Don't eat or drink anything except for water until you complete the exam the next day.

Exam Day

  • Don't eat any breakfast or use any form of tobacco.
  • Have all of your medical records with you, including your list of doctors.
  • Have a list of medications you are currently taking.
  • Have a photo ID to identify yourself.

Finally, consider scheduling your exam in the morning, preferably upon waking. Not only does this make the 8 hours fasting easier, but your body is most relaxed in the morning.

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