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How to prepare for life insurance medical exam


Wondering how you can properly prepare for the insurance medical exam? we can help.

June 08, 2021 |

If you’re one of those rare people who took pleasure in taking their exams during school, congratulations, and tell us your secrets. For the rest of us, exams remain like a nightmare long after we graduate. We’ve all had these thoughts invade our sleep: You sit down for class, and you realize Uh-oh, today is the big test. And I did nothing to prepare for it. Besides, I’m naked for some reason. Then, you wake up, and it was all just a dream. (Thank goodness.) Sound familiar?

Well, we have good news: Getting Your Life Insurance Medical Exam Nothing like that. Sure, that includes checking your health and your medical records, but it’s not like you need to know any math or the history of the Thirty Years’ War. And when you can buy life insurance without medical examination (Including Heaven Life. from), you will often get a better rate if you take one.

All that said, you might be wondering if you can really prepare for a life insurance medical exam. The short answer is yes. Long-but-still-short answer? It is in this article, where we explain the medical exam process for life insurance, and provide tips on how to prepare for life insurance medical exams.

in this article:


If you are receiving a medical exam for life insurance coverage from Haven Life, you can take the test at your home, your workplace, or company offices. It is up to you where you want to conduct your medical examination.

Due to COVID, Haven Life is currently allowing applicants to wait 120 days after applying for life insurance coverage take their medical exam, so if you apply now, you can potentially get coverage in under 15 minutes online, then have four months to schedule your medical physical exam.

For the exam itself, you will give fluids (via a blood test and a urine sample) and other aspects of your health – such as your blood pressure – are checked. It’s not invasive, and it won’t look any different than a regular doctor’s appointment. Life insurance companies and agencies take a comprehensive view of a person and their health, looking at all the consequences of their cholesterol and kidney function to liver function and other types of health. If you have an underlying health problem, such as kidney disease, heart disease, or high cholesterol, this may affect your life insurance application, premium, or approval. You will be asked about prescription meds and family history, so it is helpful for your physicians to have that information on hand, along with contact information.

A few FYIs: Because the tester will be doing a blood test, consider wearing short sleeves or something with sleeves that can be easily rolled. Your life insurance company will also do what’s called a MIB check – basically looking at what other insurers might know about you. And if you’ve had a medical exam for another life insurer in the past 12 months, ask the life insurance company or agency you’re applying with now, whether you can use those test results instead of giving you a A new physical exam may be required.

How to prepare for life insurance medical exam

improving your health?

Broadly speaking, the better your health, the less you pay for life insurance. So if you know you’re going to have a life insurance test, it’s good to improve your health, right? Lose a few pounds, try to lower your cholesterol, pump up some iron…that sort of thing.

Unfortunately, it won’t help. “Insurance companies like to look at sustainability,” says Kristen Wilson, an underwriter at Haven Life. “Something may have changed in the last few months, but usually we take the average of last year’s figures in decision making. For example, if someone has lost weight in the past 12 months, we’ll add half their weight back when we do our assessment.” In other words, when preparing for a life insurance medical exam, there’s no useful equivalent of cramping. is not.

Preparations That Actually Work

So if going on a crash diet and hitting the gym Just like an actor preparing for a superhero role won’t help you, will? The short answer is “everything in moderation,” Wilson says. “Avoid alcohol before the test, make sure you are well hydrated so that the kidneys are not working to filter out proteins and things like that. We do not recommend really strenuous workouts within 24 hours before the test Because then your body is trying to recover and this can affect the lab results,” she adds.

With all, try to keep calm before the exam. “Let’s say you crash your car just before the exam—it’s a highly stressful situation that can affect your blood pressure,” Wilson says. “We recommend resting for 15 to 30 minutes before the exam. I would recommend doing anything that helps you relax before the exam that isn’t drinking beer.” Also, “you should have a normal heart rate.” Should be. Obviously if you just took the test your heart rate will increase. Same if people drive there and they get highly stressed and stuck in traffic. “

So this is one way that preparing for an insurance medical exam is like preparing for any other test – far better than being late. Also, the preparation is minimal. The exam will not take much time or effort, especially considering What does life insurance provide: Financial security for your family in the worst case scenario in the future, as well as peace of mind in the here and now.

Our Editorial Policy

Heaven Life is a customer-focused life insurance agency backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe that making decisions about life insurance, your personal finances and overall health can be extremely easy.

Our Editorial Policy

Heaven Life is a customer-focused life insurance agency backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe that making decisions about life insurance, your personal finances and overall health can be extremely easy.

Our content is created for educational purposes only. Haven Life does not endorse the companies, products, services or strategies discussed here, but we hope they can make your life a little less difficult if they are a good fit for your situation.

Haven Life is not authorized to provide tax, legal or investment advice. It is not intended to provide material, and should not be relied upon for tax, legal, or investment advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

our disclosures

Haven Term is a term life insurance policy (DTC and ICC 17 DTC in some states, including NC) issued by Massachusetts Mutual Life Insurance Company (Masmutual), Springfield, MA 01111-0001 and exclusively through Haven Life Insurance Agency, LLC. is offered from. In NY, the haven term is DTC-NY 1017. In CA, the haven term is DTC-CA 042017. Heaven Term Simplified is a simplified issue term life insurance policy (ICC19PCM-SI 0819 in some states, including NC) issued by CM Life. Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our agency license number is OK71922 in California and 100139527 in Arkansas.

MassMutual is rated A++ (Superior; Top Category 15) by AM Best Company. Rating is as of April 1, 2020 and is subject to change. MassMutual has got a different rating from other rating agencies.

Heaven Life Plus (Plus) is the marketing name for the Plus rider, which is included as part of the Haven Term Policy and provides access to additional services and benefits at no cost or discount. Rider is not available in every state and is subject to change at any time. Neither Heaven Life nor MassMutual is responsible for the provision of benefits and services provided under the Plus Rider, which are provided by third party vendors (partners). For more information about Heaven Life Plus please visit: https://havenlife.com/plus.html

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