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Paramedical Exam

The Process
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.

What is a paramedical exam?
Doctor An 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.

What 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.

Why will 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.

What 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.

Why is 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.

How much 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 easily.

Could 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.

What 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.

Who will 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 you.

For your best results
To save you time and to obtain the best possible results, please follow these helpful suggestions:

Stress, 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.
Advise 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.
Drink 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.

If you have a scheduled appointment, and need to reschedule, please call 800-930-6162.

Call us Toll Free at 800-930-6162 or e-mail us at info@lifeinsurancetoday.com.

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