LIFE INSURANCE
How To Prepare For A Medical Exam
Austin Lim · Nov 12, 2019

Getting a term life insurance policy can be one of the best and easiest ways to protect your family’s future. For some, getting covered might involve a medical exam. But, no need to be nervous. Medical exams are typically a straightforward process. And, with Ethos, many applicants are approved for a policy without needing one.

Why Do I Need A Medical Exam?

Some life insurance companies may need to get a holistic look at your health in order to get you the best coverage. These exams typically involve blood and urine tests to determine if you have any existing medical conditions, a history of smoking, etc. These factors can determine the rate of your policy and whether you are eligible in the first place.

How To Prepare

At least one week before the exam:

  • Make sure you’re eating right. Avoid processed foods that are high in sodium and sugar. Instead, choose leafy greens, whole grains, and nuts.
  • Hydrate, hydrate, hydrate. Make sure your system is flushed out and avoid caffeine (sorry, coffee lovers).
  • If you drink socially, avoid alcohol beginning at least three days prior to the exam.

One day before the exam:

  • Get your beauty sleep.
  • Don’t stress too much. It’s always good to be calm, but it will also keep your blood pressure low.
  • Some people fast for 8 hours before the exam, so that could be something to consider.

On the day of the exam:

  • Drink lots of water and avoid coffee.
  • Have your photo ID and medication information prepared.
  • Be ready to provide the contact info for your primary care physician.

If you’re not feeling your best, it’s okay to reschedule your appointment. You can always reach out to our team at (415) 941-3556 to do so.

What The Medical Exam Involves

A life insurance medical exam will usually start with the examiner asking basic questions about your medical history, the medical history of your family, and your general lifestyle.

Then, you can expect the examiner to take your height and weight measurements followed by pulse and blood pressure tests. Next, they’ll take a urine and blood sample. Make sure to let your examiner know if you aren’t comfortable with needles, or have any other concerns.

Other Tips

  • Make sure to include all of your medical information when asked.
  • Consider rescheduling your exam if it falls during the beginning of your menstrual cycle to prevent contamination of the urine sample.
  • Avoid any type of recreation or illicit drugs prior to the exam.

Hopefully, this guide can be a useful resource when applying for life insurance or expecting to have a medical exam after applying. Term life insurance is a great way to keep your family protected, and for some, the medical exam is a necessary part of that process. The results of your medical exam can be accessed and utilized for up to a year.

If you need to get a medical exam, it doesn't have to be scary. Getting a snapshot of your health is also an important part of your overall wellness. It will also ensure that you are getting the most competitive rate on your premium.