Life Insurance Medical Exam

When preparing for your exam the following information will help you get the best results. Click on a link for additional information.

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• What should I know about my physical?
  
• How to prepare for my physical?
  
• Where can I get life insurance without a physical?
  
• Where can I get the best prices on my life insurance if I smoke?

• A life insurance physical is a standard procedure in the acceptance of a request for life insurance. The information you provide on your application is considered in addition to the results of your physical.
  
• Always provide truthful information regarding your health as the information is verified through the M.I.B. (Medical Information Bureau provides verification of your medical history).
  
• The higher the limits you request, the more extensive the life insurance exam - urine sample, blood sample, physical exam, EKG and X-rays.
  
• Treadmill EKGs may be required for $2,500,000 of life insurance or higher limits.
  
• The older you are the less life insurance you can get without a physical.
  
• If you are turned down you may be accepted by a high risk life insurer or a guarantee issue life insurer or get life insurance with no exam required - For a quick quote Click Here.
  
• Cigarettes (nicotine) may show up days and even weeks later in your urine sample. Even nicotine transmitted through a skin patch will sow up in your urine sample.
• The insurance company pays for the life insurance medical exam.
• In order to get the results of your life insurance medical exam you may be required to make a written request to the life insurer with your application.

• Have your photo dentification available with you when the paramedical examiner arrives for your life insurance physical. They use this to verify you are who you say you are. Keep in mind the paramedical is a licensed health professional. They usually call you within a day or two of applying for life insurance. They will normally set your appointment for a date within 2-4 days.
  
• Select a date for your physical exam that is least stressful for you. Remember to make the appointment for the time of day that is least stressful.
  
• No strenuous physical activity for at least 24 hours before your physical.
  
• No salt or high cholesterol food for at least 24 hours before your life insurance medical exam.
  
• No alcohol or caffeine for at least 24 hours before the exam.
  
• No smoking or chewing tobacco the day of your physical. If you smoke Save up to 75% on Term Life Insurance! Click here!.
  
• Drink water (perhaps one glass per hour before your exam) to help facilitate your urine sample.
  
• The morning is usually a good time for an life insurance medical exam.
  
• Get a full night's rest prior to your exam.
  
• Try to Fast for at least 8 hours prior to your life insurance medical exam. You can drink water.
  
• Take a few minutes before the examiner arrive to meditate. Imagine a stress-free, relaxing place with your eyes closed. Don't fall asleep. This will reduce your heartbeat and lower your stress level for your life insurance medical exam.
  
• The examiner will request information regarding your medical history that may include: medications, surgeries, medical conditions and treatments. Be prepared with the names and addresses of physicians and hospitals at which you were treated.

REMEMBER: The paramedical examiner is a professional, a life insurance medical exam is a standard procedure, relax and keep a positive attitude. This information is only useful if you apply it. I hope it helps you with your life insurance medical exam.

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