When applying for life insurance you need to make sure you are well prepared for the medical exam that is largely required in today’s market. You may be unaware of some tips that can help increase your chances of passing the medical exam. This article helps provide you with information regarding the medical exam process and ensure that you are well prepared.
1. The Medical Process
After you have submitted an application, the insurance company will pay for a nurse to visit you either at your home, office or a medical facility. The exam can take anywhere from 30-60 minutes to complete, sometimes longer depending on how quick the examiner and you are. Here is a quick breakdown of the process,
When you first meet with the nurse, they will verify your identity by means of photo, as well as a list of your current and former doctors.
They will then complete a list of health questions with you. This includes finding out about any medications you might be taking, chronic illnesses, family history of sickness and illness, your vitamin and supplement usage, whether you smoke/chew tobacco and how frequently you drink alcohol to name a few.
You will also be asked about your personal life… What kind of hobbies do you have and if you are into any extreme sports (racing, scuba diving, skydiving, bungee jump, etc.). It is very important to tell the truth as insurance companies do have a means of finding out about unknowns. They will also ask about your driving history and some brief financial questions.
Once you have completed the health questionnaire, you are going to have to go through the medical process. This includes checking your height, weight, heart rate, blood pressure, blood and urine sample and possibly an electrocardiogram (ECG/EKG). Some insurance companies will actually allow you the ability to review the results of your examination after it has been completed. This is something you will have to follow up with or ask us for help if this concerns you.
- The Blood Test
Life insurance companies perform medicals because they need to try to determine how likely you are to die during the policy period (aka mortality risk). Insurers require a blood test because it allows them to learn about your health more in depth than any of the other tests. By drawing blood, they will be able to test you for prescription medications, illegal drug use and risky diseases. They will also test health markers like cholesterol levels and triglycerides.
To improve your chances of a good blood test result be sure that you drink plenty of water, reduce your sodium intake and avoid stimulants such as caffeine the day of your exam.
- The Urine Test
The urine test is used to tell the life insurance underwriters if you are a frequent user of drugs (e.g. marijuana) or other prescription medications. They can also use urine to test to ensure that your major organs are functioning correctly. Some of the main areas that they check are your heart, bladder, arteries, liver, pancreas and kidneys.
Ensure that you are drinking plenty of water the day before and the day of your exam. You’ll have to produce urine when performing your exam so you want to be sure that you are ready!
- Prior To The Exam
Some tips to perform prior to your medical exam are as follows,- Reduce or eliminate sodium to help reduce your blood pressure
– Lower your cholesterol by eating oatmeal for breakfast and having a glass of red wine each evening for a few days prior to your exam
– No hard exercise for 24 hours prior to the medical exam
– Reduce or eliminate alcohol consumption 24 hours before the exam as it may raise your blood pressure
– Get a good sleep the night before
- Day of the Exam
Some tips to perform the day of your medical exam are as follows,- Avoid caffeine
– Do not eat for at least eight hours before the exam
– Drink water prior to your exam (approximately one hour) to ensure that a urine specimen can be taken
– Do not smoke or chew tobacco for at least one hour prior to the exam as this will raise your blood pressure
Contact us if you have any further questions or concerns regarding the medical process. We are here to help make the application process for all types of insurance (life, critical illness or disability) as smooth as possible.