How should I prepare for the life insurance medical exam?

The life insurance medical exam is a free paramedical exam, usually 15 to 45 minutes at your home or office, covering a medical history questionnaire, vitals, and blood and urine samples. To prepare, hydrate, get a full night's sleep, and avoid caffeine, alcohol, and strenuous exercise beforehand; fast if the insurer asks. Results go to the underwriter, and approval can take a day to a few weeks.