If you wish to apply to a life insurance policy, you need to undergo a medical exam that will help a company decide the amount you should pay monthly. However, it would be best if you did not allow this process to affect you.

The main idea is that a medical exam is fast-paced, which means that it can last up to forty-five minutes based on numerous factors. At the same time, the life insurance exam can help you achieve the lowest rates depending on your current health.

Since life insurance depends on your life expectancy, the healthier and younger you are, the less you will pay in premiums, which is an essential factor to remember.

However, if you think that your health is perfect, we recommend preparing for it beforehand. Remember that a few actions can affect your lab tests.

For instance, if you consume too much red meat, leading unhealthy life, and spending plenty of time in the gym, it can create lousy results that will affect your overall health and thus premiums.

Still, you should also avoid changing your entire lifestyle to pass an exam and get the best quote possible., Instead, it would be best to change a few things beforehand, which will pay off in the future.

Where Should You Get an Insurance Medical Examination?

As soon as you submit a particular application, a representative from the medical testing service will contact you for an appointment. In most cases, you can conduct an exam in three places, including:

• Medical center
• Workplace
• Home

Remember that a workplace examination will not provide you with the privacy you want, which is why you should choose other means.

Things to Expect from a Life Insurance Medical Exam

• Interview – The first thing you should expect is that an examiner will ask you a few questions you have answered in a questionnaire on applications. We are talking about questions, including medications you use and overall health conditions. You should be sincere and provide relevant information by giving a contact from your general-care doctor. That way, an insurance company can verify all information you have provided.
• Physical Exam – You should expect them to record your blood pressure, pulse, weight, and height. Besides, they will draw your blood and take urine samples for additional analysis. If you are fifty years or older, you may have to undergo EKG or electrocardiogram.

Apart from providing you with a complete physical examination, they will search for parameters, including:

• Medical History – They wish to know about your past and current health issues, prescription meds you used, and treatments you had.
• Weight and Height Measurements – These factors will determine your BMI or body mass index, which will determine the amount of your body fat.
• Blood Pressure – Having unbalanced and uncontrolled blood pressure can lead to severe issues, including narrowed blood vessels, heart attack, and stroke. That may lead to severe problems, including heart, kidney, and other diseases that will affect you overall.
• Urine and Blood Samples – The samples can detect high cholesterol, glucose, kidney and liver disorders, high blood pressure, immune issues, diabetes, indicators of drug, tobacco, alcohol use, and other factors that will affect overall efficiency.
• EKG – We have mentioned above that electrocardiogram is a test that will detect arrhythmia or abnormal heart rhythm, previous heart attacks, coronary artery disease, and other underlying problems you may experience. Therefore, a medical officer (Amtsarzt) will conduct this examination to determine the best course of action when it comes to life insurance.

Things You Should Do Before Insurance Medical Exam

A Few Weeks Beforehand

You can implement a few changes in your diet to raise HDL and lower LDL cholesterol levels.

For instance, you should drink plenty of water because you can dilute protein and sugar concentrations. Therefore, you can remove toxins from your body.

Besides, you should avoid consuming too much salt because it can lead to dehydration and make your urine feel more concentrated than before. Therefore, you should start with a healthy diet.

Implementing food rich in fruits, whole grains, low-fat dairy products, and veggies can help you reduce blood pressure. You should avoid consuming processed foods that feature high levels of sodium.

In case you enjoy consuming alcohol, we recommend you to do it in moderation. We are talking about two drinks per day for men and one drink for women, and consuming more than moderate amounts can affect your blood pressure and reduce the effectiveness of meds.

A Day Before an Exam

It is vital to make a few precautions a day before the exam, including:

• Avoid consuming red meat because it is high-cholesterol food that can affect your blood sample.
• Reduce the usage of nicotine and alcohol because they can increase your blood pressure and highlight in both urine and blood tests.
• Do not consume nasal decongestants and antihistamines because they can increase blood pressure in the short term, affecting your results.
• Sleep on time because after six hours of sleep, you can reduce physical issues, including blood pressure and other problems you experience.

A Day of the Exam

A few hours before an exam, you should ensure to get the best results possible by:

• Avoiding teas, sodas, and coffee because they can affect your blood pressure levels.
• Avoid significant exercise that can affect your blood pressure
• Consume plenty of water because being hydrated will allow you to provide both blood and urine samples with ease.
• Get a Photo ID because you will need it as proof of your identity.
• Get medical information, including initial conditions, treatments, contact information for physicians, and prescription meds you consumed.