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What You Should Know About the Infamous Medical Exam

When you apply for a life insurance policy, you will have to submit to medical testing. Here are the things every applicant should know about the life insurance exam.

What it Entails

Most testing is conducted by a physician in the employ of the insurer or, more commonly, a paramedical professional. It usually takes place in your home or office, as most paramedicals have portable equipment. A basic exam will measure your height, weight, pulse, blood pressure, and will take blood and urine samples. Depending on your age and the amount of coverage you're applying for, your testing may involve additional tests. For instance, some companies require applicants over the age of 50 who are applying for more than one million dollars of coverage to submit to a treadmill test and/or an EKG. You might find after you look into online term life insurance rates that you do not have to take a paramedical exam for your policy. This is possible if you are only applying for a policy with a very low face value.

The Purpose of it

The purpose of this kind of testing is to identify any conditions that could abbreviate your lifespan, thus increasing the insurance company's risk in issuing you coverage. Your blood and urine will be tested for cholesterol levels, the HIV virus, diabetes, liver or kidney disorders, hepatitis, and immune disorders. Your urine sample is also usually tested for certain medications and illicit drugs. The results of the appointment will determine your insurability and the online term life insurance rates that you will pay for your coverage.

How to Get the Best Results

You want your results to portray your health in the best light possible in order to get the lowest rates. Here are some tips to help you have the best experience you can:

  • Schedule the appointment for the morning when your heart rate and other levels will be at their lowest
  • Get a good night's sleep before the appointment
  • Don't consume alcohol for at least eight hours prior to the appointment
  • Avoid tea, coffee, and caffeinated pop on the day of the exam
  • Watch your sodium intake and avoid high-cholesterol foods at least 24 hours before the testing
  • Don't perform any vigorous physical activity at least 24 hours before the appointment