Life Insurance Medical Exam: What to Expect and How to Prepare
You may have heard that a life insurance company can require a medical exam to get a policy. Whether the exam is required depends on a range of factors, but even if it is, it’s typically a quick and easy process.1 Here, we’ll cover what typically happens during a life insurance medical exam, why it can be an important part of obtaining life insurance, and how you can confidently prepare for it.
How to prepare for the life insurance medical exam
Here are a few tips to prepare for your life insurance medical exam to make your appointment go smoothly.
24 hours before your exam:
It helps to get a full night’s sleep so you’ll be well-rested the day of your exam.
12 hours before your exam:
If possible, try to avoid things that could raise your blood pressure like taking antihistamines or nasal decongestants, engaging in strenuous exercise, and consuming alcohol, high-levels of caffeine or high-cholesterol foods. Wear a shirt with sleeves that are easy to roll up for the drawing of blood. And don’t forget to bring identification with you.
1 hour before your exam:
Drink a glass of water to stay hydrated and try to avoid using tobacco.