Medical Exam Tips

These medical exam tips for the life insurance application process will help increase your chances of qualifying.

At younger ages, and lower amounts of insurance, no medical exam may be required. The greater the amount of insurance you purchase, the greater the requirements by the insurance company.

It's not necessarily pleasant to have to reveal all of your medical information to a stranger in the medical exam. Consequently, some people are tempted to hold back information.

But this is the worst thing you can do. To be able to get the best, most secure coverage available, you must give complete details of your medical history.

Different companies evaluate your medical history differently. While one insurance company may feel you are a bad risk, another one may find you acceptable. A good agent, will deal with more than one company.

The better prepared you are for the medical exam, the better impression you will make. You want to make a good impression, as the better your chances of being approved.

Pre Exam Checklist Tips

To make things go as efficiently and quickly as you'd like the following tips are recommended:

  • Write down all your significant illnesses, dates, names, and addresses of doctors' treatments and bring this to your examination
  • Write down any history of cancer, heart attack, angina, bypass surgery, stroke, diabetes, and any genetic diseases in your family
  • Bring to the exam all current medication that you take in their original prescription bottles. If this is a problem then bring a list of all medications with their name, and strength (dosage)
  • If you are ill or in pain, postpone the exam and blood/urine test

What To Expect At The Medical Exam

  • Your paramedical exam takes about 30 minutes
  • There is no disrobing
  • The Paramedic (usually a nurse) gathers your complete medical history
  • Your vital statistics are taken; this is your pulse and 2 blood pressure readings
  • You will be required to give an urine specimen
  • You may be required to provide blood samples (which is usally dependant on your age and size of policy)
  • The exam is completed usually in your home or office
  • You will be weighed (to determine whether you are under or overweight)

It is recommended you avoid food and beverages, other than water, for two hours prior to your appointment.

Drinking water before your medical exam will help you provide a urine sample.

Wear short sleeves or sleeves that can easily be rolled up.


Avoid caffeine for several hours before. (This isn't just coffee, but includes tea, cola, chocolate).

Avoid alcoholic beverages for at least eight hours prior.

More Information on Urine, Blood and Saliva Tests

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