What is a life insurance medical exam?
Functioning as an alternative to a doctor’s office or a visit to a clinic, MedPhysicals Plus, LLC (MPP) of Fairbanks, Alaska gathers medical health information about you, the applicant, before an insurance policy is issued. During the insurance medical examination (exam), an MPP examiner will ask you questions about your medical history and record your blood pressure, pulse, height and weight. You will not be required to undress during the exam. The insurance company may also require an EKG, urine sample, blood sample or a saliva sample. The exam will last approximately 30 to 45 minutes, depending on the length of your medical and health history.
All information is strictly confidential. Blood, urine and saliva collections provide important information for underwriting purposes and testing is performed by an out-of-state laboratory. The results are sent ONLY to the insurance company. Applicants can obtain their lab results by contacting their insurance representative.
An MPP examiner will ask you about illnesses, conditions, surgeries, examinations and tests you have had, along with any previous history of treatments and medications.
Each insurance company determines the appropriate testing requirements. This may include the collection of blood, urine and/or saliva.
You may also be required to complete an EKG. An EKG is a painless recording of electrical impulses caused by cardiac contraction and relaxation.
Some insurance companies require a physician to perform an examination. Since this examination is more extensive, it can last longer and you may be required to partially undress.
Preparing for your Insurance Health Exam
Below are some tips that may help to avoid artificially high blood pressure/pulse readings and to help provide the best
health examination results:
- Avoid foods that are unusually high in salt content for 24 hours prior to your exam.
- Get plenty of sleep the night before your exam.
- Follow any fasting requirements closely.
- Avoid all alcoholic beverages at least eight hours before your exam.
- Avoid tobacco of all forms and caffeinated beverages at least one hour before your exam.
- Be well-hydrated and drink a large glass of water one hour before your exam so you can easily void a urine specimen.
- Avoid strenuous exercise at least 12 hours prior to your exam.