1. 3998 POINTS
    Matt Benore
    Founder, DenverWest Insurance Professionals, Inc.,
    In order to prepare for your exam you first will need to exactly what is going to happen.  In other words, are you going to give blood, urinate in a cup, get a resting EKG, answer medical questions, etc.  You should ask your agent what information and test that will be requested.

    It is best to have an 8 hour fast before the blood and urine so you get the best chance of accurate readings.  (So don't get your blood drawn right after eating a big greasy burger.  The extra cholesterol will show up and mess up your NORMAL levels).  the resting EKG you should be relaxed as well as for the the blood pressure test which they will normally take 3 readings.  For the medical information, be sure you know your history including doctors and their addresses.

    The more you can provide if necessary, the easier underwriting will be.
    Answered on December 24, 2013
  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    In addition to Matt's great suggestions, it is a good idea to drink lots of water before your exam, and avoid coffee, soda, and alcohol for 8 to 12 hours before your blood test. If you smoke one cigar per month and are trying to get a nonsmoker rate, don't smoke your cigar in the week before your life insurance exam. If you get a bad cold, flu or other health condition, put off your exam until you feel better.
    Answered on December 26, 2013
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