The **Most Important Part of your Exam** is to schedule it several
days in advance to allow yourself time to collect the needed
On the Day of your Exam:
Aside from bringing your Personal Medical Information Form with you on the day
of the exam:
1. Dress appropriately – Wear a short sleeve shirt, blouse, sweater, etc., or a
garment with long sleeves that can be rolled up. This is so your blood can be taken
for the blood tests.
2. Carry photo ID – This ensures the insurer that the person who shows up for the
life insurance medical exam is you.
3. Relax and remain calm – This advice pertains to the entire life insurance
medical exam, but is particularly important if an EKG is required. During an EKG,
you’ll be asked to lie on a table and leads will be placed on your chest to monitor
electrical impulses in your heart. Relaxing and remaining calm will help prevent
false readings due to muscle action
1. Schedule a morning exam – When arranging for your appointment, try to
secure one as early in the day as possible – even if that day falls on the weekend.
Why? The early morning is when your body is least stressed.
2. Avoid food – Do not eat or drink after midnight. Another recommendation is to
avoid salty, cholesterol-loaded or high-fat foods for a day or two prior to your exam.
3. Drink water – Drink lots of water the day before your exam.
4. Sleep well – The night before your life insurance medical exam, it’s important
that you get the proper amount of sleep. Your body needs to be well-rested in order
to achieve the best possible results during your exam. Do not take any medication
to help you to sleep, however, as this will negatively affect your tests
5. Avoid strenuous exercise – The day before your exam, stay away from any
strenuous physical exercise. This may increase liver function tests and urine
6. No alcohol – Do not drink any alcoholic beverages for a full 24 hours before your
7. Steer clear of caffeine – Drinks like coffee, lattes and espressos, soda and tea
should not be consumed for several hours in advance of your exam. May influence
blood pressure and pulse and affect EKG results
8. No decongestants – Do not take any decongestants for a full day (24 hours)
prior to your health insurance exam.
9. If you are sick - Consider rescheduling the exam if you have an acute illness or
are not feeling well.