5 Things to Do When Preparing for a Life Insurance Medical Exam

By Dr. Jose G. Cardenas, Chief Tax Strategist at The C & R Group, LLC

A medical exam is often part of the life insurance application process, especially if you’re looking for the best rates and comprehensive coverage. Your exam results play a significant role in determining your premiums — and in some cases, whether you’re approved at all.

At The C & R Group, LLC, we help clients prepare for these exams as part of our Expert Financial Analysis (EFA) process. By taking the right steps in advance, you can improve your results and position yourself for the most favorable outcomes. Here are five practical tips to help you prepare effectively.

1. Fast for 6–8 Hours Before Your Exam

Fasting helps stabilize your blood sugar and cholesterol levels, both of which are key markers in the underwriting process. Avoid sugary foods, caffeine, and alcohol the night before your appointment to ensure accurate lab results.

2. Stay Hydrated

Drinking plenty of water before your exam helps your body process toxins and makes blood draws easier. Staying hydrated can also help normalize blood pressure levels, giving the examiner a more accurate snapshot of your overall health.

3. Avoid Strenuous Exercise

While regular physical activity is important for overall health, avoid intense workouts within 24 hours of your exam. Strenuous exercise can cause temporary spikes in blood pressure and abnormal lab readings, which could raise red flags for insurers.

4. Know Your Family and Personal Medical History

Be prepared to discuss your medical history, as well as your family’s. Carriers will want to know about hereditary conditions, past diagnoses, medications, and any ongoing treatments. Having this information organized shows responsibility and can speed up the underwriting process.

5. Quit Smoking in Advance

If you smoke, quitting ahead of your medical exam can significantly lower your premiums and broaden your coverage options. Even reducing your smoking habits before the exam can make a positive difference in your insurability and rates.

How The C & R Group, LLC Supports You

Preparing for a life insurance medical exam is just one step in a larger strategy. At The C & R Group, LLC, we:

• Guide you through the entire application process for smoother approvals.
• Shop multiple carriers to secure the best policy and premium rates.
• Integrate your policy into a tax-efficient, wealth-building plan using our Expert Financial Analysis (EFA) process.
• Educate you on how to leverage your coverage to grow cash value and create tax-free retirement income under IRC §7702.

The Bottom Line
Your life insurance medical exam is more than a formality — it’s an opportunity to secure better rates and stronger coverage for your financial future. With the right preparation and strategic support, you can turn your policy into a powerful tool for protecting and building wealth.

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About the Author
Dr. Jose G. Cardenas is a retired U.S. Army Finance Officer and the Chief Tax Strategist at The C & R Group, LLC. With a Doctorate in Business Administration and over 20 years of experience in financial strategy, tax planning, and life insurance, Dr. Cardenas helps individuals and business owners protect their wealth and build a legacy. Learn more at www.thecrgroupllc.com.

📌 Disclosure:
This article is for educational and informational purposes only and is not intended to serve as personalized legal or investment advice. Dr. Jose G. Cardenas, DBA, provides tax advisory services through The C & R Group, LLC. Insurance strategies, including Indexed Universal Life (IUL) and annuity products, may be offered through his role as a licensed financial professional affiliated with Experior Financial Group.

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