How To Prepare For A Life Insurance Health Exam? 
Two things you want to do for any health exam for insurance is 1 -RRB- do a fasting blood test -LRB- nothing to eat or drink for a 12 hour period before the exam -RRB- and 2 -RRB- complete it first thing in the morning . This will help you get the cleanest numbers . For example , if you have a donut before an exam , the sugars can make you appear to be diabetic even if you 're not because it 's raising your sugar levels -LRB- creating a spike -RRB- for a period . If you have a cup of coffee , the caffeine can raise your blood pressure and may make you look like you have high blood pressure when you may in fact not . If your numbers come back unfavorably , you can not simply just retake the exam . Any carrier will review both sets of numbers if you want to redo it and you 'll have to pay for the new exam -LRB- insurance companies generally pay for the first one -RRB- . So it 's important to get it right the first time , no matter how inconvenient the preparation may be . 