• No exercise regimen within 12 hours of the exam, including a morning jog or trip to the gym
  • No extensive exercise (marathon, bike racing, etc) within 7 days of exam
  • There is no need to “fast,” but avoid salty, sugary, creamy and fatty foods
  • No tobacco within 1 hour; ideally, none the day of the exam
  • No excessive caffeinated coffee
  • No “energy drinks” the day of the exam
  • Refrain from drinking alcoholic beverages for at least 12 hours prior to the exam
  • Make sure a big blood pressure cuff is used if the client has a thick arm
  • Make sure urine is collected before blood pressure is taken
  • No talking during blood pressure; it should be done while sitting and in a quiet room
  • Men age 50 plus, no prostate massage or digital rectal exam within 3 days if a PSA is being done
  • Ideally, no breakfast before a morning exam- and try to schedule the exam in the morning hours
  • Get a good night’s sleep, no exam on 5 hours or less of rest
  • No exam if under undue stress.
  • No exam if in pain or symptomatic with acute illness
  • No exam within 7 days of being in the hospital for any reason
  • Dress light and remove shoes (for build purposes)
  • Provide a list of all medications taken, prescription and non-prescription, and a list of all medical professionals seen within the past 5 years and the reason for the visit
  • For applicants 70 and above, carriers may require a Senior Supplement. This involves a variety of tests involving timed movement, memory recall, activities of daily living and drawing. These results can have a major impact upon insurability, it is important your client is prepared and knows what to expect.

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