5 Common Routine Checks to Expect During a Life Insurance Medical Exam

Financial Horizons: Insights for Building Wealth and Securing Your Legacy

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

When applying for life insurance, the medical exam plays a central role in determining your eligibility, premiums, and coverage options. While it might feel intimidating, knowing what to expect can help you prepare with confidence. At The C & R Group, LLC, we guide our clients through every step — from preparation to policy selection — ensuring their insurance not only provides protection but also integrates into a broader wealth-building strategy.

Here are five routine checks you should be prepared for during your life insurance medical exam.

1. Vital Signs

The examiner will take your blood pressure, heart rate, height, and weight. These metrics help determine your baseline health and risk factors. Maintaining healthy vital signs in advance can improve your chances of securing favorable rates.

2. Visual or Physical Examination

A simple physical exam allows the medical professional to observe your overall appearance and detect any visible signs of medical issues. This step is routine and often brief but ensures carriers receive an accurate assessment of your health status.

3. Laboratory Tests

Blood and urine samples are standard in life insurance medical exams. These tests check for conditions like diabetes, high cholesterol, kidney or liver issues, and in some cases, substance use. Fasting for 6–8 hours and staying hydrated beforehand can lead to more accurate results.

4. Updated Medical History

Expect to answer questions about your medical history and your family’s. Carriers want to know about chronic conditions, hereditary risks, surgeries, or ongoing treatments. Having this information ready demonstrates responsibility and helps streamline underwriting.

5. Additional Screening Tests

Depending on your biological sex and age, carriers may request additional screenings. For example, women may be asked about gynecological health, and men may face screenings for prostate health. These targeted checks help insurers evaluate risks more precisely.

How The C & R Group, LLC Helps

While the medical exam may seem like just another hurdle, it’s a critical step in unlocking life insurance strategies that go far beyond protection. At The C & R Group, LLC, we:

• Prepare clients to optimize exam results.
• Shop multiple carriers to secure the best possible rates.
• Integrate life insurance into a tax-advantaged strategy under IRC §7702 to grow cash value tax-deferred and support tax-free withdrawals.
• Use our Expert Financial Analysis (EFA) to align insurance coverage with long-term wealth and retirement goals.

The Bottom Line
Life insurance exams are nothing to fear when you know what to expect. By preparing well and working with experienced professionals, you can secure coverage that not only protects your family but also builds your financial legacy.

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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 more than 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.