Question:
What are some of the things I should know and/or be prepared for before my scheduled Life Insurance Medical Exam here in Austin?
Thanks,
Tommy
Austin, TX
Answer:
Great Question Tommy. The procedures during a typical Life Insurance Medical Exam includes:
- Measurement of your weight and height
- Measurement of your blood pressure and pulse
- Blood work (to check things such as cholesterol, glucose, protein, and HIV)
- Urinalysis (to check things such as protein, glucose, creatinine and cocaine)
Note: some insurance companies also require EKGs and/or treadmill EKGs (stress tests), especially for policies with a high face value.
The following may be some questions you could be asked as part of your life insurance medical exam:
-
Your medical history
-
Your family’s medical history
-
Information about how to contact your primary doctor
-
Lifestyle habits such as smoking, drinking, recreational drug use and exercise
-
How much life insurance you are interested in purchasing
Note: don’t hide any medical condition you may have, chances are that insurance companies will find the information they need through the Medical Information Bureau.
There are a number of simple steps you can take to make sure you get the best possible results at your medical exam
- Get a good night’s sleep the night before the exam
- Fast for eight hours before the exam if possible to ensure the most accurate results
- Avoid caffeine for at least one hour before the exam
- Avoid alcohol for at least eight hours before the exam
- Don’t smoke for at least one hour before the exam
- Don’t engage in strenuous exercise for 24 hours before the exam
- Limit your consumption of salt and cholesterol for 24 hours before the exam
- Cancel the exam if you get sick - even a minor infection can distort the results
Good Luck on your Life Insurance Exam there in Austin, Texas
-Author