Simply put, the medical exam portion of the life insurance application process is used to determine if you have any health conditions that could affect your rate class. It shouldn't take more than 30 minutes, and can help you secure a better rate for your life insurance policy.
To make this process as easy as possible, you can choose the date, time and location of your exam (e.g. home or work), and a nurse practitioner will come to you. Here are a few things to keep in mind when preparing for the life insurance medical exam.
The Day Before the Exam
What does a life insurance medical exam consist of?
Your medical history
Blood pressure and pulse
A small amount of urine and blood
Avoid alcohol and nicotine as it can raise your blood pressure levels
Get a good night's sleep
Avoid over-the-counter medications like antihistamines and nasal decongestants (continue taking any prescribed medications)
Drink lots of water
The Day of the Exam
Avoid coffee, soda, tea or any other caffeinated drinks before your exam
Drink a lot of water and eat a light meal
Avoid exercise before your exam as it can raise your blood pressure
During The Exam
Have a photo ID on hand as well as the contact information of your physician and the names and doses of any prescription medications you're taking
Wear short sleeves or sleeves that can be rolled up so there aren't any problems taking your blood pressure and heart rate