The entire process– from presentation of premium projections …to policy issuance– was handled superbly, and you found me real savings.
Get life insurance Quotes now

Tips to Ensure Accurate Medical Exam Results

insurance medical exam

If you are applying for a life insurance policy, chances are you will have to have a medical exam as part of your application process. The exam typically takes 20-30 minutes to complete. Following some of these simple guidelines prior to exam is key to ensuring accurate results. Not to mention, it may improve your underwriting rating and possibly save you money.

 

Following these tips can help you attain the most favorable and accurate medical exam results:

  • Fast for 4-8 hours prior to the exam and try to schedule the exam for first thing in the morning, prior to eating.
  • Avoid stimulants (caffeine, alcohol, cigarettes).
  • Limit salt and high-cholesterol foods 24 hours prior to the exam.
  • Refrain from drinking alcoholic beverages for at least 24 hours prior to the exam (can increase fat in blood and liver functions).
  • Limit caffeine and nicotine 24 hours prior to the exam (can increase blood pressure, cholesterol).
  • Smokers should not smoke 30 minutes prior to exam (tends to constrict artery walls and elevate blood pressure).
  • Drink a glass of water one hour prior to the exam.
  • Get a good night of sleep prior to the exam.

Helpful reminders

  • Be prepared with a photo ID at the time of the medical exam.
  • Provide names and dosages of current medications
  • Provide any history of problems associated with providing a blood sample.
  • Have available names, addresses and phone numbers of any doctors or clinics visited in the last five years.
  • Tell the examiner if exercise is a regular activity.
  • Tell the examiner if vitamins or aspirin are taken on a daily basis.If you are overweight or have large muscular arms, ask the paramed examiner to use a large blood pressure cuff.

If you have experienced one of the following impairments, you should follow these additional guidelines:

HYPERTENSION

  • Avoid stimulants (caffeine, alcohol, cigarettes).
  • Schedule a morning exam.
  • Have the examiner take your blood pressure after you have had a chance to relax — three attempts at 10 minute intervals.
  • Take usual medications.

DIABETES

  • Schedule the exam for 2½ hours after a meal (no sweets or sugars after the meal), but if blood is being drawn, fast for 4-8 hours prior to the exam.
  • Empty bladder right after meal.
  • Drink 1-2 glasses of water before the exam.
  • Drink 2-3 glasses of water before the exam.
  • Avoid sweets or foods with sugar content before the exam.
  • Avoid strenuous exercise, such as running, for 24 hours prior to the exam.

URINARY SPECIMEN PROBLEMS (albumin, Red Blood Cells [RBCs], sugar, etc.)

  • Empty bladder right after meal.
  • Drink 1-2 glasses of water before the exam.
  • Drink 2-3 glasses of water before the exam.
  • Avoid sweets or foods with sugar content before the exam.
  • Avoid strenuous exercise, such as running, for 24 hours prior to the exam.

CORONARY, EKG PROBLEMS

  • Avoid stimulants (caffeine, alcohol, cigarettes).

FINAL TIP

  • Do not try to hide any health issues or medical history – be completely candid with your answers on your application and with your medical examiner.

Following these tips will ensure a speedy exam and best results. However, if you would prefer to apply for a policy without having a medical exam, there are some options. These types of policies are typically more expensive, but for those who prefer not to get an exam, they present another option.

Latest News

Life Insurance Terms You Should Know
life insurance terms

Life Insurance Terms You Should Know   Just like with lawyers, members of the insurance industry use unfamiliar terms when they discuss the various products they represent. Not because they’re smarter than anyone else, it’s just the nature of the industry. Certainly, anytime you’re speaking with an agent, you can … Continue reading Life Insurance Terms You Should Know

Read More
Life Insurance Myths Debunked
life insurance myths

As a general rule, every type of insurance can be confusing, especially when a layperson listens to life insurance myths and attempts to read the content of an actual policy. Not because they don’t understand the concept of insurance, because most people do; but because policy information is typically written … Continue reading Life Insurance Myths Debunked

Read More
Like to Drive Fast? It Could Be Costing You in More Ways Than You Think
driving and life insurance premiums

The amount of money that you pay every month for your life insurance policy is based on a number of different factors. You might be surprised to know that your driving record is one of them. Insurance companies are always assessing the risks involved in taking on a new policyholder. … Continue reading Like to Drive Fast? It Could Be Costing You in More Ways Than You Think

Read More

Location

Newsletter Signup

    • Intramark Insurance Services, Inc., Insurance Services, Glendale, CA

    • Intramark Insurance Services, Inc.