How to prepare for a life insurance medical exam
- Eat healthy. During the life insurance physical, the examiner will take a blood sample for testing and he or she will check your blood pressure and pulse.
- Drink water.
- Consider fasting.
- Skip the gym.
- Get a good night’s sleep.
- Wear lightweight clothing.
Is the life insurance test hard to pass?
The Life and Health exam can be challenging. The level of difficulty of the exam will depend on your current knowledge, previous work experience, and how well you prepare. It is important that you create a good study plan and prepare with an online training provider.
What does a life insurance health exam consist of?
During the exam, your height, weight, pulse and blood pressure will be recorded. You likely will have to provide a urine sample and have blood drawn to test for health issues such as elevated cholesterol or blood sugar levels, and to screen for nicotine and drug use.
What happens if you fail life insurance exam?
You will find out if you passed or failed the exam at the testing center. However, you cannot register to take it again at that time. Instead, you must wait 24 hours before you can register again. You can take the exam three times in one year.
What should you not do before a life insurance test?
The Day Before the Exam
- Avoid alcohol and nicotine. Both can increase your blood pressure.
- Avoid red meat. Red meat is a high-cholesterol food.
- Avoid over-the-counter medications such as antihistamines and nasal decongestants. These types of medications can increase blood pressure.
- Get a good night’s sleep.
How many questions is the life insurance exam?
The number of questions in each exam is as follows: Life insurance – 75 minutes and 30 questions, plus an additional 5 pilot questions.
How easy is the life insurance exam?
Pass Rates and Recommended Study Time Nevertheless, the passing score for all exams is 70%, and utilizing exam study tools can help you gauge whether or not you are on target to pass on the first try. The average exam-taker should expect to spend about 35 to 40 hours studying to pass the life and health insurance exam.
What drugs do life insurance companies test for?
A life insurance urine test detects drugs like amphetamines/methamphetamines, cocaine, opiates, phencyclidine (PCP), barbiturates, benzodiazepines, and methadone. One drug that’s an exception, though, is marijuana. If you or someone you know has a substance abuse disorder, help is available.
Who pays for medical exams for life insurance?
The exam itself takes about 20 to 30 minutes and the paramedical examiner who’s conducting the exam can meet you at your home, your work or the exam office. The insurance company pays for the exam so it doesn’t cost you anything other than a little of your time.
How many times can you fail life insurance exam?
Step 1: Be aware of retake limitations and rules. In California, a candidate that fails any insurance licensing examination ten times within the previous 12 month period is barred from taking the same exam for a period of 12 months.
Can you retake life insurance exam?
Yes, you can; however, it is up to the underwriters to approve another medical exam and be willing review the new results for a premium adjustment. In most cases, six months is the required waiting period.