Life Insurance Medical Exam - Take a few simple steps before the examiner arrives.

No one likes taking a medical exam for life insurance. However, taking a few simple steps before the examiner arrives could make a real difference in your ultimate rate classification and what you’ll pay for your new coverage.

When you schedule your exam, arrange to have the examiner arrive as early as possible in the morning. You’ll get your very best lab results after fasting at least 8 hours, and if possible 12 hours before your exam.

Having your exam first thing in the morning means you won’t be tempted to eat or drink and also that you’ll probably be more rested and relaxed after a good night’s sleep.

If possible, you should also consider taking the following simple steps in getting ready for your life insurance medical exam:

• Do not engage in strenuous exercise for 24 hours prior to your exam.
• Avoid alcoholic beverages for 24 hours prior to your exam
• Get a good night’s rest before your exam.
• Avoid coffee, soda, tea or other products with caffiene for several hours before your exam.
• Avoid smoking or chewing tobacco for at least one hour prior to your scheduled appointment.
• Avoid nasal decongestants for several hours prior to your exam.
• Drink a glass of water and hour or so before the exam to facilitate providing a urine specimen.

For more information and details about your life insurance medical exam please see 1stQuote.com’s summary What type of Medical Exam is Required to Buy Life Insurance.