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How to Prepare for Your Life Insurance Medical Exam

A medical life insurance exam is required prior to most life insurance policies being issued. This exam helps the life insurance company assess the risk it will undertake in insuring your life and what rating the insurance company will offer if a policy is issued.

The exam is conducted by a licensed medical professional who will come to you at a place and time of your convenience – for example your home or office during the week or week end. The exam is of no cost to you and it shouldn’t take more than a half hour of your time. Scheduling Tip: Try to schedule your exam in a peaceful location first thing in the morning before your have had breakfast. It can make your preparations for your exam much simpler!
Friendly Team of Licensed Medical Professionals
The exam is very similar to a check-up and will consist of:
  • Blood pressure reading
  • Urine sample
  • Blood test
  • A series of health questions
  • In some cases an EKG or additional tests may be required

To achieve the best results on your life insurance medical exam, please follow these tips:

Food Pyramid Refrain from alcohol
1 Week Before Your Exam

Eat Healthy

  • Limit your salt intake
  • Avoid sugary foods
  • Avoid excess fatty foods

3 Days Before Your Exam

Avoid Alcohol

Avoid alcohol during the three days prior to your exam. Alcohol consumption may lead to elevated liver enzymes.
1 Day Before Your Exam


  • Avoid caffeine products. Caffeine can elevate blood pressure
  • Avoid any strenuous exercise. No jogging, weight lifting or swimming. This may result in elevated protein in the urine.
  • Fast 8-10 hours prior to the life insurance medical exam. Do not eat or drink anything except for water until after the exam.
  • Avoid nasal decongestants and pain medications unless directed otherwise by your doctor.
  • Get a good night's rest.

The Morning of Your Exam


  • Stay away from any form of tobacco product the day of the exam.
  • Have a list of your doctors - including addresses, phone numbers, and any medications you are taking (with dosages) on hand.
  • Stay relaxed during your examination.

Lady Veterinarian

Steven J. Podgorski, LUTCF d.b.a. Aspire Financial Group, 1720 Crofton Drive, Algonquin, IL 60102
Mr. Podgorski is licensed to sell insurance products in Illinois

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