How to prepare for a life insurance exam
What information do I need for my life insurance exam?
The life insurance exam is a simple part of the application process. Exam times can vary depending on the required services by your insurance company. Exams can be completed at a convenient in-center location, or at your home or office.
Estimated examination times.
- 10 – 20 minutes for blood draw and urine
- 20 – 40 minutes for paramedical exam, blood draw and urine
- 30 – 60 minutes for paramedical exam, blood draw, urine and EKG
Use the checklist below to ensure a positive experience throughout this journey.
Safety is a top priority for ExamOne. We have rigorous procedures to protect individuals, consumers, and our employees. Mask-wearing is recommended and may be required by state/local mandates in healthcare settings. Our health professionals adhere to safety protocols to help ensure a comfortable, convenient, and safe experience for everyone.
A personal history interview may be required and may be completed over the phone or at the time of your exam appointment. Please have the following information available:
- Names and dosages of current medications
- Names, addresses and phone numbers of any doctors or clinics visited in the last five years
- List of medical conditions or diagnoses including date diagnosed, treatment, result of treatment, and treating physician information
- Health insurance member identification numbers for any current health insurance policies (for health insurance applications only)
Next, in order to achieve optimal results, please do the following prior to your life insurance exam appointment:
- Bring a picture ID to the appointment
- Limit salt and high-cholesterol foods 24 hours prior to the exam
- Refrain from drinking alcoholic beverages for at least 12 hours prior to your appointment
- Avoid strenuous exercise 12 hours prior to the examination
- Limit caffeine and nicotine one hour prior to your appointment
- Drink a glass of water one hour prior to the appointment
- Provide any history of problems associated with providing a blood sample
- Get a good night of sleep prior to the examination
- Have any application paperwork that you’ve received available and ready for the examiner unless otherwise instructed by your agent