Obtaining life insurance is easy, it just involves the completion of the
application along with a free paramedical exam. The information is provided
to a field underwriter on behalf of the life insurance company. The results
will be calculated and a rate per $1,000 of insurance will be offered
to you in the form of a policy. The rate determined is based on your age
and overall health profile.
is a paramedical exam?
appointment is made with a nationally recognized examination company independently
contracted with all major life insurance companies. Their function is
to provide each life insurance company the opportunity to underwrite your
policy based upon your medical profile at time of exam.
can I expect and how long will it take?
A paramedical exam consists of some questions about your medical history,
measurements of your height and weight, blood pressure and pulse. A urine
specimen is also collected. Undressing is not required and the exam usually
lasts 20 to 30 minutes. Your application of insurance is not complete
until we have obtained this necessary information.
a urine specimen be collected?
A urine specimen will always be collected during a paramedical exam. The
tests done are determined by the insurance company and are performed by
a laboratory. The test results will be sent only to the insurance company
and are used in the underwriting process.
happens to this information?
All of the information obtained during the paramedical examination is
strictly confidential and for insurance purposes only. It will be forwarded
to the insurance company for review to help evaluate your individual policy.
blood testing required?
Blood testing has been found to provide important information for underwriting
purposes. A wide range of tests are completed by a laboratory and the
results are sent only to the insurance company.
blood is required?
Less than one ounce of blood is drawn from a vein, into 1-3 vials, by
experienced personnel. You may be required to fast 4-12 hours depending
upon the requirements of the insurance company. You should advise your
examiner if you have had previous problems such as fainting, nausea, are
currently taking large doses of aspirin, have difficulty clotting or bruise
you get an infectious disease form this blood draw?
No. The sterile materials used are in disposable kits and used only once.
The examiner will open the kit in front of you as well as show you the
seal being broken on the sterile needle.
tests will be completed?
Each individual insurance company selects the tests they need for the
underwriting procedure. The examiner is requested only to collect and
prepare blood for analysis; the insurance company give instructions to
the lab regarding specific tests. You are required to sign a consent form
and a chain of custody form for your own protection.
receive the results of your test?
The lab sends the results directly to the insurance company. Once a policy
is issued, you will have an opportunity to have the results sent directly
To save you time and to obtain the best possible results, please follow
these helpful suggestions:
alcohol, caffeine and tobacco can artificially raise blood pressure
and pulse. Get a good night's sleep before the examination. Abstain
from alcoholic beverages for at least eight hours prior to exam. Do
not smoke or chew tobacco for at least one hour prior to your examination.
Avoid drinking coffee, tea or caffeinated soft drinks for at least one
hour prior to your examination. Limit salt intake and high cholesterol
foods 24 hours before your examination. You should not engage in strenuous
physical activities 24 hours before your examination.
your Paramedical Examiner regarding any medications you are taking,
even nonprescription medications. Have available your physician's names,
address, dates of past visits, names of any prescribed medications and
any information regarding injury or major illness during the previous
five years. If you belong to Kaiser or any other prepaid medical plan,
have your medical record number available.
a glass of water an hour or so before your appointment. This will help
in obtaining a urine specimen.
- If a
blood specimen is required, you should not eat any food for eight hours
prior to the examination unless otherwise instructed.
have a scheduled appointment, and need to reschedule, please call 800-930-6162.
Toll Free at 800-930-6162 or e-mail us at firstname.lastname@example.org
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