Here are some tips to help you prepare for your medical exam for your life insurance coverage:
1. Fast for a minimum of 8 Hours Prior to Exam unless you are diabetic or have another health condition. If you do have a health condition we will discuss specific instructions for your case.
2. Insist on Morning appointments only! – Blood pressure and exam results tend to be better in the morning. Many examiners are available on Saturdays as well.
3. If you are sick on the day of your exam, cancel. We can always reschedule the exam when you are better.
4. Take your medications as you normally would.
5. Avoid alcohol for a minimum of 24 hours prior to your exam. Blood pressure, liver enzymes and more may be elevated otherwise.
6. If you smoke, do not smoke prior to your exam. Smoking raises blood pressure. For cigar smokers and other tobacco users – Some of the companies will give you a non-smoker rate but your urine sample needs to be negative for nicotine. Please call to discuss your case
7. Your weight – Check your weight in the days leading up to your exam. On the day of your exam, take your shoes off, don’t wear belts, empty your pockets, wear light clothing. Don;t wear anything you don't need to wear.
IMPORTANT – Make sure you ask the examiner what your weight is. If you think it is wrong, ask them to weigh you again.
8. Your height – Stand up straight when being measured for your height.
IMPORTANT – Ask the examiner what your height is. If you think it is wrong, ask them to check again.
9. Avoid Caffeine on Exam day – Caffeine elevates your blood pressure. Avoid it for at least a few hours prior to exam. Better not to drink any caffeine the day of your exam.
10. Cholesterol TIP – Eat plenty of oatmeal and bananas in the week leading up to your exam and lay off the sweets and other cholesterol elevating foods.
11. Exercise TIP – If you exercise, DO NOT exercise on the morning of your exam. Exercise may artificially raise your blood pressure.
12. Water – Drink lots of water to flush out your system leading up to the exam.
Here's an article that explains about medical exams for life insurance and provides more helpful information to get you prepared for your exam.