Preparing For Your Medical


Insurance Companies request medical examinations to provide them with a snapshot of your current health condition. Underwriters assume that you have done everything possible to ensure that this snapshot is as good as it can be. This information is then used to determine your insurability. Abnormal findings can create problems in obtaining this coverage and possibly with future applications as well. It is in everybody's best interest that this snapshot be as accurate as possible eliminating as many false abnormalities as possible.


You can help avoid any false positive results with a few tips. Just as you would spruce yourself up for a family photo, these tips can help you make sure the picture you present is the best possible.

  • Arrange the exam for the morning - your blood pressure should be its lowest and it is easier to fast while you sleep.
  • Get a good night's rest the night before the exam.
  • Do not do any heavy exercise for 24 hours before the exam.
  • Do not consume any form of alcohol for at least 48 hours before the exam.
  • If possible, fast for 12 hours before the blood profile.
  • Do not consume any form of caffeine, food or beverage (except water), for at least 2 hours before exam.
  • Do not smoke for at least 2 hours before the exam.
  • If you are taking prescription medication(s) you should continue to take them as prescribed. All prescription medications should be brought to the exam for reference.
  • Avoid non-prescription medications such as cold remedies, pain relievers and herbal remedies for at least 24 hours prior to the exam.
  • Drink 2 glasses of water 1-2 hours before the exam.
  • If you are ill at the time of the exam, have it rescheduled for a future date when you are fullyrecovered.
  • Reschedule the appointment if you are under stress the day of the exam.
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Kirkham and Jack is working in partnership with Continuum Financial Centres , a subsidiary of Financial Horizons Group