How should I prepare for a life insurance medical exam?

Preparing carefully for your life insurance medical exam can help you present your health in the best accurate light and potentially qualify for a more favorable health class—which means lower premiums.

In the week before your exam: Schedule the appointment for the morning when blood pressure and blood glucose tend to be lowest. Confirm with your doctor that any manageable conditions (hypertension, diabetes, cholesterol) are being treated and documented. Gather a list of all current medications, dosages, and prescribing physicians.

In the 24–48 hours before your exam: Avoid alcohol, as it affects liver enzymes and blood sugar. Limit high-sodium and high-fat foods, which can temporarily raise blood pressure and cholesterol readings. Avoid strenuous exercise, which can temporarily elevate liver enzymes and protein in urine. Drink plenty of water to support a clear urine sample and healthy blood draws.

The morning of the exam: Fast for 8–12 hours before if your examiner requests it—morning appointments usually mean skipping breakfast, which your examiner will confirm. Avoid caffeine, which can temporarily raise blood pressure. Wear comfortable clothing with easy sleeve access for the blood pressure cuff and blood draw.

During the exam: Answer all questions accurately and completely. Providing false information on a life insurance application is a form of misrepresentation that can result in claim denial or policy rescission—even years later. Honesty is both legally required and in your long-term interest.