When you apply for a term life insurance policy, a brief medical exam may be required to document your current health. The exam will take only about 30 minutes and can be done in the convenience of your home or office or at a medical facility, it's your choice.
A clean bill of health on your term life insurance medical exam can mean you will be offered the lowest available rates, so it is important to prepare for the exam. Here are some helpful hints to help you get ready for your term life insurance medical exam.
Up to 24 hours before your scheduled term life insurance medical exam, you should avoid drinking alcohol or eating foods which are high in cholesterol, such as red meat. Also, you should avoid doing strenuous exercise, as this may skew the results of your blood or urine tests.
If you are taking prescription medications, follow your doctor's instructions regarding taking them the day before your term life insurance medical examination. Over-the-counter medications such as nasal decongestants should be avoided the day before the exam.
Eat an early, light lunch and be sure to get a good night's sleep, which will help ensure that you are well rested and that your heart rate and blood pressure are normal for the term life insurance medical exam.
On the day of your term life insurance medical exam, you should avoid caffeine (including soda, tea, and coffee), tobacco, and strenuous exercise, particularly in the two hours right before the exam. This will help keep your heart rate and blood pressure normal before the medical examiner checks you out.
If your term life insurance medical exam is scheduled for the morning hours, avoid eating breakfast until after the exam. For exams in the evening hours, be sure to eat a light, healthy lunch. In either case, don't forget to drink plenty of water.
Your medical examiner will begin with a brief interview, including questions about your medical history and the names, phone numbers, and addresses of your current and past physicians.
There may be questions about details on past physicians and facilities visited, as well as the reasons for the visits. You may also be asked about medications you have been taking and their doses, so it's a good idea to have these details written down and on hand for your term life insurance medical exam. Lastly, you should keep your driver's license and other pieces of identification handy during the exam to confirm your identity for the examiner.
After the interview portion of the term life insurance medical exam, the medical examiner will measure your weight, height, heart rate, and blood pressure. You should wear a loose-fitting or short-sleeved shirt for ease of taking these measurements.
A urine sample likely will be required during the term life insurance medical exam, so it is recommended that you drink a glass of water about one hour before your exam. If a blood sample is required, the medical examiner will require only a small amount and will use sterile, disposable supplies to draw the blood.
Once you've completed your term life insurance medical exam, you will be one step closer to helping protect the future of your family and loved ones!
Start your application online now or call one of our licensed agents at 1-800-771-5144.