What Does A Life Insurance Physical Involve? 
Assume you mean a life insurance paramedical exam rather than a physical performed by a doctor -LRB- not common -RRB- . A trained , professional paramedical examiner performs the exam in your home or office . This routine exam will include taking information about your medical history , height , weight , collecting a urine specimen for urinalysis , blood pressure , pulse and collecting a blood sample . The exam will take about 45 minutes or less . If additional testing is required by the insurance company such as an electrocardiogram -LRB- ECG -RRB- or a chest xray , you will be notified in advance . We recommend scheduling the appointment at the least stressful time of day for you . Blood pressure can be artificially raised by stress . It can also be raised by caffeine , tobacco and alcohol so avoid these for several hours prior . Limit salt intake and rich foods for 24 hours prior to the exam . Fasting for 4-8 hours prior to the exam is also advised -LRB- and may be required -RRB- but drink plenty of water . Finally , avoid strenuous physical activities for 24 hours prior to the exam . 