Life Insurance Medical Exam

One of the first steps in getting life insurance is taking your insurance physical. For most carriers it is a simple exam that can take place in your home or office. You will generally be asked to give a blood and urine sample, and in some cases you will be need to have an EKG. The EKG is a simple test of your heart’s rhythm. The nurse will put half a dozen small stickers on your legs and chest, snap on small data cables and hook up an EKG printer which will record your hearts pattern. If you are marginally overweight, you might benefit from standing tall and doing your weigh in wearing only shorts or underwear. The following tips are to help attain the most favorable and accurate exam results possible.

  • Stay off salt for 3-4 days prior to the exam. It may have a beneficial effect on blood pressure.
  • No alcohol for 24 hours prior to the exam Alcohol tends to elevate blood pressure for 12-24 hours.
  • Get a good night’s rest before the examination.
  • No heavy meals and little or no caffeine on morning of the exam. Decaffeinated coffee and a light breakfast would be best.
  • Do not smoke within 30 minutes of exam. Smoking tends to constrict artery walls and elevate blood pressure.
  • If the you have an acute illness (i.e. the “flu”), you should consider rescheduling the exam as some acute illnesses affect the urine and blood tests.
  • You should tell the examiner if you have your menses as this affects the urine. A notation can be put on the lab slip.
  • Have the exam in the morning because you will be more relaxed.


  • No stimulants (caffeine, alcohol, cigarettes)
  • Morning exam
  • Blood pressure after client has had a chance to relax—3 attempts at 10 minute intervals
  • Should take usual medications


  • Exam 2 1/2 hours after meal, and no sweets or sugars after the meal
  • Empty bladder right after meals
  • 1-2 glasses of water before the exam

URINARY SPECIMEN PROBLEMS: (albumin, RBC’s, sugar, etc.)

  • Empty bladder right after meals
  • Drink 2-3 glasses of water before the exam
  • No sweets or foods with sugar content before exam
  • Do not do strenuous exercise such as running for 24 hours prior to the exam


  • No stimulants

FINAL TIP: Do not try to hide any medical history. Be completely candid with your underwriter.

Both comments and pings are currently closed.

2 Responses to “Life Insurance Medical Exam”

  1. Jacob says:

    I would like to work as a life insurance examiner.
    I have a M.D. Degree and familiar with all medical exams.

    How do you get started ?