How to Pass the Life Insurance Medical Exam (15 Tips)

Life Insurance Medical Exam Overview

Don’t stress yourself out before the exam. Skip anything that might raise your blood pressure.
There are two basic parts to the life insurance medical exam. The interview and the physical.
- height
- weight
- blood pressure
- urine sample
- blood sample
- EKG (sometimes)
Frequently Asked Questions
Where does the life insurance exam happen?
How long does the exam take?
Why do I need to take an EKG?
What happens if I fail the exam?
How to Pass the Life Insurance Medical Exam Blood Work
Six Weeks Before
One/Two Weeks Before

These should be your new best friends for the next two weeks. If you don’t like vegetables, saute in garlic and butter.
This is the time to eat like your mother thinks you should. Every meal should be mostly green. Preferably with leafy greens high in soluble fiber. You don’t have to eat like this forever, just a week or two so you can save money. Plus, you might find veggie recipes you like.
24 Hours Before

Don’t over-hydrate, but make sure you drink plenty of water leading up to the exam.
No alcohol. Sorry. While studies show a glass of red wine with dinner can help your heart (and your stress level), it can throw off your exam results.
Exam Day
Other Life Insurance Medical Exam Tips
The Drug Test
How to Prepare for the Interview Section

Remember to bring a list of all your medications. Otherwise your blood-work might raise red flags for the underwriter. You also want your interview to be 100% consistent with your application.
The interview section should be straightforward if you chose to be honest on your application.
- medications
- vitamins (never hurts)
- supplements (if you ignored the advice on skipping them)
- any therapies/treatments