A life insurance medical exam is a brief health screening conducted by a paramedical professional, typically at your home or office at no cost to you. The exam usually takes 20 to 30 minutes and is designed to establish your current health status for underwriting purposes. It is generally straightforward and does not involve any invasive procedures beyond a blood draw and urine sample.
The exam typically includes: measurement of height, weight, and body mass index (BMI); blood pressure reading (sometimes taken twice); pulse rate; blood draw for lab work (testing cholesterol levels, blood glucose, liver and kidney function, nicotine/cotinine, HIV, and sometimes additional panels depending on age and coverage amount); urine sample (testing for nicotine, drugs, glucose, protein, and other indicators); and a brief health questionnaire review confirming application information.
For higher coverage amounts (often above $1 million or for older applicants), the carrier may require additional testing such as an EKG (electrocardiogram), a treadmill stress test, or more extensive blood panels. Some carriers also require cognitive testing for applicants over certain ages. These additional requirements vary by carrier and are communicated before scheduling.
To prepare for the exam and get the best results: avoid strenuous exercise for 24 hours before; fast for 8 to 12 hours if possible (helps with blood glucose and cholesterol readings); avoid caffeine the morning of the exam; drink plenty of water to stay hydrated (makes the blood draw easier and helps with urine sample); avoid alcohol for 24 to 48 hours before; and get a good night's sleep. Bring a valid photo ID and a list of your current medications, doctors' names and addresses, and any prescription details. All exam results are confidential and shared only with the insurance carrier for underwriting purposes.