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How to Prepare for a Life Insurance Medical Exam

How to Prepare for a Life Insurance Medical Exam

If you have decided to purchase life insurance coverage, then it is likely that you have to complete testing and/or answer a few questions from a qualified nurse. This is done in the comfort of your own home or workplace, whatever you prefer. This testing often includes a urine test, and in some cases a small blood sample. Here are simple steps to take to prepare for the exam so that the results from your tests do not come back abnormal.

  • Avoid Alcohol – This is pretty self explanatory, but ensure that you have not had alcohol for at least 8-12 hours (recommended   24-48 hours) before your exam, as it can affect levels in your blood and urine.
  • Drink Water –  Drink as much as you would like.  This will help flush out your system and also make it easier for you to provide a urine sample.
  • Avoid Caffeine – I know sometimes this can be hard, but you should avoid drinking your morning coffee before the exam. This can cause your blood or urine tests to come back with abnormal levels.
  • Avoid Smoking – If you are a smoker, you should avoid having a cigarette at least 1 hour prior to your medical exam.
  • Avoid the Gym – Any strenuous activity can affect the results of your exam.  Avoid the gym or going for a run at least 12 before your exam.
  • Don’t Feel Rushed – If you are feeling anxious, take your time completing your exam.  Wait until you calm down before taking your blood pressure or offering your urine sample.  Stress and anxiety could affect the results of your medical exam.
  • Fast – Food can do lots of things to cause your blood and urine tests to come back abnormal.  For example, eating sugary foods before your exam might raise sugar levels in your blood, which could send alarming signals to the insurance carrier.  By fasting 8-10 hours before your exam, you avoid complications that could arise.

Ensure that you have the following documents ready, which can help the appointment go quicker:

  • List of Illnesses – approximate dates of diagnosis, treatments, completed testing
  • Personal Identification – a photo ID of a driver’s license or passport is best.
  • Name and address of family physician.
  • List of current medications – names of medications, dosages, and frequency of use.

I have seen it in the past where people with no current health issues receive abnormal results because their blood or urine samples have been adversely affected by some of the above items.  It is important that you prepare for your medical exam in order to avoid these abnormalities if you can. We recognize that sometimes you can’t avoid all of these, but it is always worth it to try your best if you want the insurance company to see the best snapshot of your health.

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