MEDICAL EXAM SUGGESTIONS
As part of your application for life insurance,
a medical exam and health history questionnaire will be completed. The exam
will be conducted at a time and place-office or home-convenient to you.
Insurance companies use professional vendors called “paramed examiners” to
collect the required data. Expect to provide a blood and urine specimen, saliva
swab, be measured for height and weight, a blood pressure test via cuff device,
and a resting EKG reading via portable electronic device. If over the age of 60
or as determined by the underwriter, your exam may include a cognitive test to
determine signs of senile dementia, Alzheimer’s disease, or other cognitive
Please select a private space free of
interruptions in which your exam will be taken. Especially important, is to
prepare for the health history questionnaire by having on hand the following:
Names of medical providers, e.g. doctors, hospitals, addresses, phone numbers
and treatment dates. Be as specific as possible. Know the date and reason of
your last doctor visit, dates of surgeries, details, outcomes, location,
attending physicians and contact details. Have available medication details
with dosage, name of prescribing physician, when first used, current usage and
conditions under treatment. Detailed information will expedite your
Fasting for a 12 hour period prior to your exam
will improve your test results. That is; no food, alcohol, sugar, caffeine.
Drink water only. Maintain your medication usage schedule and follow your
doctor’s orders. Provide the urine specimen before the blood pressure test.
Relax! Ask questions if you are not clear on any part of the exam. You may be
asked about your family health history. That is, current health status of
siblings and parents, and if deceased, the cause and age at death. During the
blood pressure test, breathe deeply, close your eyes and slouch, to be as
comfortable as possible. You may be asked to provide a photo I.D. Morning
appointments are usually best for optimal biometric testing results. You will
be asked to sign your health history questionnaire and will be given disclosure
notices and forms.
Robert M. Coleman-CA Lic. #0563687 www.terminsuranceagency.com