Tips for Your Life Insurance Exam

Underwriting for your life insurance policy is done on the basis of your medical history, as well as on the results of your medical exam (aka paramedical exam)...so relax a much as possible and utilize these tips:

• It is better not to eat or drink (except water) for 8-12 hours prior to the examination and take little or no caffeine. Schedule a morning examination, when you are more likely to be relaxed.
• One key factor is a good night's rest before the exam.
• If possible, give a urine specimen before a blood pressure check, since the elimination of fluids tends to moderately lower blood pressure.
• If you are a smoker, we suggest that you do not smoke at all within 30-60 minutes of the exam. Smoking tends to elevate blood pressure by constricting the artery walls.
• Salt retains fluids. Avoid salt or use it very lightly for 3 or 4 days prior to the examination. This can have a beneficial affect on your blood pressure.
• Please have the following information available for the examiner:
  - Names, addresses and phone numbers for all physicians or clinics you have visited for routine check-ups or treatment.
  - Names of all prescribed medication used, including dosage and frequency.
• You should discuss any potential problems with your agent/advisor prior to the examination. This can affect which companies you apply to. Also, your advisor/agent may wish to discuss your case or write a letter to the underwriter to clearly describe your specific situation. This can be beneficial.
• For the EKG (electrocardiogram) test, which is a graph of the electrical activity of the heart; be relaxed and comfortable prior to the EKG test. Do not use coffee or other stimulants. If you are aware of EKG changes that have been noted and evaluated in the past, then it is most helpful to bring those to the examiner's attention as well as to your advisor/agent. Some people have and abnormal looking EKG, but it is normal for them.
• Your weight and height ratio is an important component of your health rating and the eventual rate your will pay. Maintaining a healthy weight prior to the exam can be beneficial.