What you can expect
The technician or nurse will come to your place of work or your home, whichever you prefer. She'll ask you to fill out a questionnaire about your health history, and then she will take some basic measurements:
your height and weight
your blood pressure
Se will also draw a blood sample in order to run some basic blood tests. Sometimes you’ll be asked to provide a urine sample as well. And if you’re an older candidate applying for a big life insurance policy, you might also be required to undergo an EKG.
Steps you can take to ensure optimal results
24 hours before the exam
Avoid caffeine, sugar, and alcohol.
Avoid over-the-counter drugs as they might interfere with your test results.
6-8 hours before the exam
Don't eat anything else until you've completed the exam.
Don’t engage in any strenuous exercise.
1 hour before the exam
- Drink a glass of water to help ensure you'll be able to provide a urine sample.
What the insurer is testing for
The testing company will do a full work-up of your blood and urine samples and check for any conditions (for example, high blood pressure or elevated glucose levels) that could affect your health rating.
If the insurer’s underwriter has any follow-up questions, she’ll contact you to ask for more information, or for permission to contact your doctor.