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