Applicant Preparation and Information about the Tests

Taking of Medical History:

  • A complete medical history will be taken including height, weight, blood pressure and pulse.

Urine Test:

  • Drink water before the test to be able to provide a urine specimen.
  • Avoid vigorous exercise for 24 hours prior to the test.
  • Avoid alcoholic beverages for at least eight hours before the exam.
  • You will be required to sign an authorization form permitting the examiner to obtain your urine and allowing the lab to test it for specific tests

Blood Tests:

The blood specimen, as required by your Insurance Company, may be taken from either your arm or your finger. Please be assured that only sterile, disposable needles will be used.

  • Venipuncture Test: drawing blood from the arm
  • Fingerstick Test: drawing blood by pricking the finger
  • Do not eat for 4 to 12 hours prior to the exam (as instructed) in preparation for your blood sample.
  • Avoid vigorous exercise for 24 hours.
  • You may drink water, black coffee or tea with no sweeteners.
  • A sterile blood kit authorized by the insurance company will be used.
  • Blood tests are performed by experienced and certified medical examiners.
  • You will be required to sign an authorization form permitting the examiner to obtain your blood and allowing the lab to test it for specific tests

EKG Test:

This electrocardiogram is a painless test that will require you to partially disrobe, so a private placed to lie down will be required.

X-rays and/or Treadmill EKG

  • Should these tests be required they are to be performed at an approved doctor's office.

All Tests:

  • Avoid smoking, stress and exercise for at least two hours prior to the exam. Each exam may have more specific requirements.
  • Avoid alcohol and nasal decongestants for two hours prior to the exam. Each exam may have more specific requirements.
  • Try to relax prior to the exam for best results.
  • You may be required to fast for a few hours prior to the exam; however, water consumption is permitted.
  • Your test results are forwarded to the insurance company underwriting department by the lab.

Requirements of applicant at time of exam

  • A picture I.D., preferably a driver's license
  • All doctors' names and addresses available along with dates, purpose and outcome of past visits
  • A list of prescribed medications currently being taken. Include the name, dosage, frequency and reason for the prescription.