How To Prepare For A Life Insurance Health Exam? 
Some tips to prepare for your paramed exam start a couple of days prior to your exam . First try to schedule your exam early in the morning . It is best if you can fast , no food or water 12 hours prior to your exam . If that is just too long , at least fast 8 hours minimum for your best blood and urine results . Get a good nights sleep prior . You will test better when well rested and early morning is when your blood pressure will be the lowest as well as your weight . It is not a drastic change but sometimes a point or a pound can drop you to the next tier of ratings which leads to lower premiums . Experts recommend not doing any vigorous exercise 48 hours prior to your exam . If you work out regularly , go light for the 2 days leading up . Exercise can increase proteins , which can lead to false positives on your blood work . If you smoke , try to refrain before your test , as it can elevate your blood pressure . If you smoke an occasional cigar or pipe , you need to be 14 days clean in order to get the cotine out of your blood stream . A few life insurance carriers will give you nontobacco rates for occasional use , but you must test nicotine and cotine free to receive these rates . Underwriters test for cotine because it stays in your system 14 days longer than nicotine . 