How To Prepare For Life Insurance Health Exam? 
In addition to Matt 's great suggestions , it is a good idea to drink lots of water before your exam , and avoid coffee , soda , and alcohol for 8 to 12 hours before your blood test . If you smoke one cigar per month and are trying to get a nonsmoker rate , do n't smoke your cigar in the week before your life insurance exam . If you get a bad cold , flu or other health condition , put off your exam until you feel better . 