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.

Click here for Spanish version.


PLEASE NOTE ADDITIONAL PRECAUTIONS DURING THE COVID-19 PANDEMIC

ExamOne has implemented rigorous safety procedures to protect you and our employees during the health crisis. Some of our updated safety protocols include:

Pre-screening questions: We will ask you a series of screening questions prior to your appointment date to assess your health and comfort.

Protective wear: Our health professionals will be utilizing full PPE (Personal Protective Equipment), including long sleeves, long pants (or scrubs), closed-toe shoes, gloves and facial protection that covers the nose and mouth.

We recommend you wear a face mask during an in-home appointment. If state or local authorities require facial protection, applicants will be required to wear a face mask during an in-home exam. Applicants are required to wear face masks for Quest Diagnostics Patient Service Centers (PSC) collections.

Frequent cleaning and social distancing at exam sites: All equipment and
surfaces are sanitized between appointments and receive a daily deep clean. We have also implemented social distancing precautions in our public areas like waiting rooms if mandated.


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

opens in a new windowDownload a printable exam prep checklist.opens PDF file

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