Preparing for Your Term Life Insurance Medical Exam

One of the most important aspects when applying for term life insurance is the medical exam. Generally, this medical exam is a short procedure at the most 20 to 30 minutes and will involve a review of your medical history as well as checking your height and weight, blood pressure and pulse reading. Blood and urine samples are required and in some instances an electrocardiogram (EKG) or other additional tests may be required (if this is required, you might need to schedule in another 30 minutes to the exam).

Though it may all sound stressful, preparing for a term life insurance medical exam preparation is all a matter of common sense and easy pointers to follow.



A week before your exam -
Avoid sugary, salty and fatty foods. Stick to a healthy diet rich in fresh vegetables and fruit.
Three days before your exam -
To avoid liver enzymes count increasing, avoid all alcohol products for 72 hours before your medical exam.
One day before your exam -
Stay away from products containing caffeine as this will elevate blood pressure. Unless specified by your doctor, avoid any over the counter medication such as nasal decongestants or pain medication such as aspirin, acetaminophen and ibuprofen. Avoid exercise such as jogging, swimming, or weight lifting as this might raise the protein in the urine. You will need to fast 8 to 10 hours before your medical exam. Do not eat or drink anything except for water until the exam is over. Get a good night's sleep.
On the morning of your exam
Drink water to facilitate obtaining the required urine sample. Do not eat or drink anything besides water the morning of your exam Do not smoke or chew tobacco (in fact for 24 hours prior to the exam). Have the numbers and addresses of your doctors on hand for easy reference. Wear a shirt with short sleeves or those that can be rolled up to make the testing of blood pressure easier. Try and schedule your exam for first thing in the morning.
The above pointers should help you get the best possible results from your exam. In addition to the medical tests, the doctor or paramedic will ask you a number of questions about your medical history and past treatments and surgeries. You will also need to give the names and contacts of your family physician or the doctors who have treated you. Also required will be a list of your current medication (including non-prescription drugs).

By being prepared for your term life insurance medical exam, you may be able to avoid any unexpected results that will increase your premium rates and move you into another insurance rate category than the one you applied for. Follow the above tips for the best results and to qualify for the most affordable term life insurance policy.




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