Your medical exam can make a difference in your monthly premium, so you'll want to do everything you can to make sure the exam comes out as good as possible.
You’ve applied for a life insurance policy and your agent says you need an insurance medical exam. You may be apprehensive, but there is no need to be. The good news is that life insurance companies will send someone out to visit you at your home or office rather than requiring you to take the time to go into a medical facility. Plus, the exam generally takes 30 minutes or less for most people.
These exams are really very basic, typically involving a blood draw, urine sample, blood pressure reading, and your height and weight measurements. There may also be a few questions about your medical history. It’s nothing to worry about, but there are steps you can take to help it go smooth and easy so you get your best results.
- Fast for 8 to 12 hours prior to the exam, if possible. Food of just about any kind can distort the results of your blood work. Plus, not eating on the day of the exam will help to keep your weight down!
- Try to schedule your exam to take place early in the morning, if possible, so you’re not starving all day after fasting.
- Don't drink coffee or other caffeinated beverages or smoke beforehand. Caffeine and nicotine may elevate your blood pressure readings.
- Drink lots of water – staying hydrated will make it easier to give blood and to provide a urine sample.
- Avoid alcoholic beverages, nasal decongestants, and pain medications, such as aspirin, acetaminophen, and ibuprofen, for at least 12 hours prior to the exam. Alcohol is high in calories and sugar, which elevates blood pressure, and can also make liver enzymes appear elevated. It also dehydrates you, making it hard to draw blood.
- Avoid working out on the day of your exam. Exercise may elevate your blood pressure and cause elevated protein levels in your urine, so simply relax on the day of your exam.
- Avoid stressful situations a few days before your exam, if possible, because stress can elevate your blood pressure and affect your digestive system. If need be, take a relaxing walk in the woods or listen to peaceful music.
- Get plenty of sleep the night before your exam. When you are well-rested, your blood pressure will be lower. Sleep also helps offset anxiety.
- Dress light for the weigh-in and stand up tall for the measuring. By dressing in thin and light clothing, you’ll minimize your weight for the weigh-in. You should also do your best to stand up straight and tall when measuring your height. The idea is to maximize your height, while minimizing your weight. It’s also best to wear short sleeves or sleeves that can easily be rolled up for your blood sample and blood pressure reading.
- Let the examiner know if you have any fear of blood or needles. If you feel nervous, ask the examiner to wait to take your blood pressure until the very end of the exam. At that point, most of it will be over and you'll start to relax, helping your blood pressure to stabilize.
- Have the following information available:
- Medical history (List of medical conditions or diagnosis including the date diagnosed, treatment, result of treatment, and treating physician)
- Names, addresses, and phone numbers of consulting physicians
- Name and dose of prescription medications used
Your medical exam can make a difference in your monthly premium, so you'll want to do everything you can to make sure the exam comes out as good as possible. While you may not be able to do much about any chronic health conditions that you have, following these tips can improve the likelihood that your application will be approved and your rates will be more affordable.
Talk to your professional Pekin Insurance agent for more information.