Life Insurance Exam Tips

Our list of life insurance exam tips will help you get the best results on the required medical screening that you'll have to undergo before being issued an insurance policy. Some of the best things to do before your life insurance medical exam are to get a good night of sleep, avoid caffeine, and be well aware of your medical history. Don’t forget to bring any medical documents you might need with you to the exam.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 22, 2020

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Before you will be issued a permanent life insurance policy you will probably be required to take a health exam, sometimes called a screening. In order to get the best results on your exam, here are a few tips that professionals give their clients, intended to keep the test results as clear and positive as possible.

Get plenty of rest the night before your exam. Lack of sleep can cause your body unnecessary stress and may even provoke misleading symptoms that are not in your best interest. If at all possible, schedule the exam for early morning. Your body is more fully rested and at its lowest stress levels first thing in the morning so testing then will provide the most favorable
results.

Do not eat for at least 8 hours prior to the exam. If you can go for a longer period, that is even better. Instead of eating, drink lots of water. This will help flush your system,  removing temporary impurities that can offset the test results. If you must eat, make it a light snack without heavy spices. Avoid meats and raw vegetables because those can contain bacteria or
ingredients that affect your exam results.

You probably will not be asked to undress, but the screening will definitely require you to bare your upper arm to get a correct blood pressure reading. Wear a loose fitting, short-sleeved shirt to the exam, and bring along a long sleeve shirt or light jacket in case the doctor’s office is uncomfortably cool.

Caffeine is notorious for throwing test results out of whack. Avoid coffee, tea and other beverages containing caffeine or other energy additives such as Taurine for at least 24 hours before your scheduled exam. Similarly, avoid alcoholic beverages and nasal decongestants for the same period of time.

You are going to be asked a lot of questions about your health and medical history. When you come to the exam, bring along any documents that may support your answers, and make a brief list of important medical procedures you have had, plus any illnesses or other medical problems that are prevalent in your family tree.

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