How to do Well on the Life Insurance Medical Exam

How to do Well on the Life Insurance Medical Exam

A healthy lifestyle is the best way to prepare for any medical exam, but the exam for a life insurance policy is different from regular check-ups because of the financial incentive. The better the results from this exam, the lower the premium the policyholder has to pay. This gives rise to all manner of fraudulent attempts to fudge the exam, but it is difficult to lie about how healthy someone really is. A few simple tips on the day of the exam can go a long way towards improving the results.

What to Do Before the Exam

Getting plenty of sleep is the best way to prepare during the night. A well-rested body gives off positive signals and contributes to emotional well-being. Avoiding alcohol, smoking and caffeine at least 24 hours before the exam is a must. These three substances drastically interfere with the body’s normal cycles and can skew the results from a medical exam. Avoiding food may also be beneficial, aside from following the normal dietary routine already in place.

The Day of the Exam

The medical exam will probably take a short while, and it will likely involve blood tests. Wearing a short-sleeved shirt or a shirt with sleeves that can easily be rolled up is a simple matter of courtesy. The doctor performing the exam will need to see all of the medical records from previous tests. Information about any active health insurance policies or statements and documentation from previous physicians may also be necessary.

Photo identification will be required so the life insurance company can verify the identity of the policyholder. A list of currently prescribed medications is also very helpful. Including any over-the-counter or non-prescription medications will prevent any potential complications. Finally, simply remaining relaxed and calm throughout the exam is also a must, but it is particularly helpful if the insurance company wants an electrocardiogram (ECG) test. An ECG test monitors electrical impulses in the heart of a patient, so remaining calm will help produce reliable results.

Why Medical Exams Are Necessary

The purpose of the medical exam is to reassure the lift insurance company that the potential policyholder will not die soon, forcing them to pay out a death benefit earlier than they wish. The healthier the policyholder is, the lower their premiums will be. Medical exam results feed into the actuarial tables used to calculate life expectancy, which is the entire point of life insurance.