How to Prepare for a Life Insurance Medical Exam

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How to prepare for a life insurance medical exam
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Unless you are purchasing a life insurance policy that requires no medical exam, you will be required to take a life insurance medical exam to qualify for coverage.

This exam is nothing to worry about and to be honest, is quick and simple. The reason you are required to take a medical exam for your life insurance coverage is for the life insurance carrier to determine your level of risk, which determines your premium for the coverage you are applying for.

Don’t be alarmed though you do not need a perfect history of health to qualify for coverage. The medical exam is a portion of the underwriting process that helps the underwriter determine what level of risk class you should fall in.

When you are ready to apply for your life insurance coverage your agent will order your life insurance medical exam generally referred to as a paramedical exam. The exam will be performed by an approved exam company.

Unfortunately, you cannot use an exam from your own doctor, even if you just had one done. Once the agent has ordered your paramedical exam, an examiner will contact you within 24-48 hours of receiving the request to schedule your exam.

Be sure to schedule your exam based on your availability. Examiners are very flexible and nights and weekends will work too. The examiner will ask you if you would like to complete the paramedical exam at your home, place of work or at one of their offices.  Majority of people prefer to take their medical exam in the comfort of their home.

The exam should take no longer than 15-45 minutes.  It will consist of a series of questions regarding your health history, parent’s health history, height and weight, blood pressure reading, urine sample, and blood sample.  In some cases with larger death benefit amounts an (EKG) may be needed.

Have This Info Ready on the day of your Life Insurance Medical Exam:

  1.  Names and dosages of any current medications
  2.  Names, addresses and phone numbers to any doctors or clinics visited in the last five years
  3.  List of medical conditions or diagnoses including the date diagnosed, treatment, the result of treatment, and treating physician information

For Best Results, Make Sure to do the Following Prior to your Exam

  • Be prepared with a picture ID at the time of the examination
  • Limit salt and high-cholesterol foods 24 hours prior to the examination
  • Avoid strenuous exercise 12 hours prior to the examination
  • Refrain from drinking alcoholic beverages for at least 12 hours prior to your appointment
  • Limit caffeine and nicotine one hour prior to your appointment
  • Provide any history of problems associated with providing a blood sample
  • Drink a glass of water one hour prior to the appointment
  • Get a good night of sleep prior to the examination

At the end of your exam, the examiner will provide you with instruction on how to obtain a free copy of your lab results.  All information provided to the examiner is strictly confidential.

We at Top Quote Life Insurance hope this blog post was helpful in preparing you in what to expect from a life insurance medical exam.

Have Questions?

Have an additional question about preparing for a life insurance medical exam? Please feel free to send us a message or give us a call toll-free (888) 777-7574 and a licensed Top Quote Life Insurance will assist in answering any questions you may have.

Jeffrey Manola

Jeffrey Manola

Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance.

Not only does he strive to provide you with the best rates for your life insurance coverage, but he also wants you to be well informed about the different types of life insurance options that are available. You will also find a significant amount of valuable information on the multiple life insurance companies that can provide you with coverage.

Jeffrey Manola is licensed to provide expert advice and help aid in the purchasing process of life insurance products. He is licensed with the National Insurance Producer Registry (NIPR) in the following states:

AL: 790866 AR: 14358927 AZ: 14358927 CA: 0K29801 CO: 531038 CT: 002536246 DC: 3000281706 DE: 3000190912 FL: W383615 GA: 3089339 HI: 482421 IA: 14358927 ID: 646048 IL: 14358927 IN: 3100885 KS: 14358927 KY: DOI-986908 LA: 758187 MA: 2045330 MD: 3000011601 ME: PRN252004 MI: 14358927 MN: 40427014 MO: 8428106 MS: 10519253 NC: 14358927 ND: 14358927 NE: 14358927 NH: 2434852 NJ: 1562332 NM: 14358927 NV: 3299018 NY: LB-1484031 OH: 1117369 OK: 100293583 OR: 14358927 PA: 740709 RI: 3000183893 SC: 14358927 TN: 2383399 TX: 1969337 UT: 648983 VA: 987464 VT: 3426230 WA: 947010 WI: 14358927 WV: 14358927

Never hesitate to reach out to Jeffrey if you need help. Top Quote Life Insurance is more than just an online quoting agency. We want to help you save money, protect your future, and earn your trust (888) 777-7574.

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