How To Prepare For An Insurance Medical Exam

Although it is possible to purchase life insurance cover without submitting to a medical examination, if you want to pay the lowest premium for that cover you will have to submit to such an examination, otherwise you will have to be satisfied in paying an extra loading to compensate the life insurance company for the extra risk it is carrying in not knowing your medical history.

If you are a young person it is a good bet for an insurance company to assume you have a better chance of seeing the term of insurance out than if you are older. For this reason life insurance premiums are markedly lower for young people than they are for older applicants. A medical examination will normally include the following:

• Urinalysis to examine you for such things as; creatinine, glucose, protein, even cocaine.
• Blood test to find your cholesterol, glucose and protein levels including HIV.
• The taking, and recording, of your blood pressure and heart rate.
• Measuring your height and weight.

Along with a medical examination you will also be asked some personal questions such as any illnesses you may have suffered from in the past, or are presently suffering from. You family’s medical history will also have to be disclosed. The life insurance company is particularly interested in whether any member of your family has suffered from cancer, kidney problems, lung troubles, ulcers, or diabetes. Your occupation is another factor that will be taken into account in order to assess your risk to the company along with your lifestyle habits which will include whether you are a smoker or have been one in the past? If so how long ago? Do you drink alcohol? If so are you a heavy drinker or a social drinker only? Of course you will also have to disclose whether or not you take drugs. Are they recreational drugs or prescription drugs? What exercises do you take part in on a regular basis?

If you have been a smoker it is best if you don't undergo your medical examination for at least 12 months from when you gave up the habit. You need to wait 12 months until you will be regarded as not being a smoker otherwise you will be faced with paying extra on the premium before you will be granted cover.  

Getting Fit For Your Medical Examination

Long before submitting to a medical examination to obtain life insurance cover you should endeavour to put yourself in the most favourable position possible. To do this you will have to start looking after your body, both in what you eat and how you exercise, as well as by living a healthy lifestyle. Avoid fatty foods and get plenty of sleep. Eat only lean meat and plenty of whole grains and fruit.

If you have not had an opportunity to change your lifestyle practices well before any medical examination, all is not lost, as there are still some last minute changes to make that will give you the best result possible. These are:

• Cut out sugar and salt. A few days before the examination refrain from ingesting any sugar or salt. You won't be able to help what is already is some processed foods but don't add any salt to your food before eating and stop putting sugar in your tea or coffee, let alone on your morning cereals.
• No smoking. If you are a smoker don't smoke on the day of the examination.
• No drinking alcohol. At least not in the 24 to 48 hours before going to the examination. Alcohol will be detected in your liver.
• It is a good idea to not eat anything at all on the day of the exam. Not from the time you go to bed the night before. This will give your body time to clear itself out a bit. And will give the doctor the most accurate results.

After the life insurance company has possession of the results of your medical examination and a copy of your answers to the medical questions that had been asked, it will be in a position to assess the level of risk you pose them. If it finds there is a chance that your risk is greater than the average, it will usually still accept you for life insurance cover, but it will most likely increase the premium you will have to pay to get the cover you want.

Some life insurance companies will require you to carry out a number of physical activity tests as well as submitting yourself to a medical examination. These are normally restricted to very large amounts of insurance and they require applicants for this level of cover to use a treadmill to test heart rate and lung capacity. You won't be expected to perform as well as a professional athlete but you will have to prove that you are physically fit. To make certain you get the best result possible, it will pay you to get yourself into good shape well before the examination is due.

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