What Is The Life Insurance Medical Exam Like?
When you purchase a fully underwritten life insurance policy, you will be required to take a paramedical exam. The paramedical exam is a fasting exam. You can take the exam in the convenience of your home, at your work or at a diagnostic center. You can also schedule exams at a time convenient for you such as before or after work and on weekends. Here’s what you can expect during a paramedical exam.
Height and Weight Measurement – This will determine your “build” which will be used to help determine your health class.
Blood Pressure Measurement – This is another important factor in determining your health rating.
Blood Sample and Urine Sample – These will be used to check such factors as your cholesterol levels, glucose levels, cotinine levels (nicotine) and the overall function of your heart, kidneys, bladder, pancreas and liver.
EKG – If you are older or applying for a policy with a large face amount, you will be required to take an EKG. You simply lay on your couch while the examiner takes a small sample of your heart activity.
Health Questions – You will also be asked about your personal medical history, family history, medications/dosage amounts and contact information for your doctors. You should try to have all of that information handy as doing so will speed up the process.
Photo ID – You will also need to provide a government issued photo ID for identification purposes.
The paramedical exam is fast and easy and should only take about 20 to 30 minutes to complete. Make sure you have your ID handy as well as a list of any medications you take and the contact information of any doctors that you’ve seen in the last 5 years. This will make the process flow more smoothly.