You have completed your application for life insurance and your physical exam is the next step to get you into underwriting. A life insurance physical exam, also called a paramedical exam, is something for which you should fast at least 8 to 10 hours beforehand.
Fasting will help to reduce any high blood sugar or blood pressure results. Also, its advisable to stay away from certain foods in the days before that have high sodium contents, saturated fats or cholesterol. All of these can elevate your levels in the bloodwork the underwriters will use to determine your final premium rate class.
A life insurance physical exam is coordinated by the insurance company you are applying with. Therefore, it must be completed with a licensed medical technician that is unaffiliated with you and contracted through the carrier.
The licensed technician will come to your home or place of business to completed the physical exam, which you should expect to take between 20 to 30 minutes. It’s also an option for you to go the technician’s office, which should be at a local location to you.
At a life insurance exam, the licensed technician will measure your height, weight, take your blood pressure, a urine sample and a blood sample. Then the technician will ask you a handful of medical questions. You and the technician will then sign the exam forms, so it is advised that you double check what the examiner has documented about you for accuracy before you sign.
To break down how to take the very best life insurance physical exam possible for you here are a few tips:
A few days before the exam:
- Eat well-balanced meals and keep hydrated to maintain acceptable blood pressure levels
- Limit salt
- Refrain from new and strenuous exercise prior to the exam
- Alcohol tends to increase the blood pressure reading so you should refrain from drinking at least for 24 hours
- Get a good night’s sleep
- Try to fast for at least 8 hours.
The day of the exam:
- Bring a picture identification card, health insurance cards and member identification numbers
- Avoid caffeine or soda and sports drinks
- If a smoker, be honest but don’t smoke approximately 30 minutes before the exam because it will also elevate blood pressure
- Provide your complete medical history
- Supply a list of all names and dosages of medications you are taking
After the exam, you can request a copy of your lab tests directly from the insurance company in letter format. The life insurance provider pays for the exam and all information is strictly confidential.