Most insurance carriers require a medical exam before they rate your health class.
Medical exams are administered by a licensed medical professional, known as a paramedical (paramed for short). Parameds will contact you to setup a convenient time to come to your home or office.
The exam typically takes 30 minutes and the paramed will bring their own supplies. In addition, the medical exam is paid for by the insurance carrier and does not commit you to purchasing life insurance through that specific carrier.
The paramed will collect a blood sample, urine specimen, a blood pressure reading, and in some instances, an electrocardiogram (EKG) and send the blood off for a blood test.
They will also measure your height and weight and ask you a series of health questions. It’s best to have available the name and contact information of your primary care physician and any other health care providers with whom you consult, in addition to a list of any prescription drugs you take.
The following are some helpful tips in order to achieve the best possible outcome for your life insurance medical exam:
Three Days Prior to the Exam
Avoid alcohol. Alcohol can elevate your liver enzyme levels; therefore adversely impacting the liver function test that the insurance carrier runs from the blood sample collected.
Minimize the use of salt, excess fatty and high-cholesterol foods.
24 Hours Prior to the Exam
Get plenty of rest and relaxation.
Avoid strenuous activities and/or exercise which can cause elevated protein in the urine.
Avoid nasal decongestants, aspirin, acetaminophen and ibuprofen.
Limit intake of caffeine.
8 Hours Prior to the Exam
Fast. You can drink water, but that’s about it.
Consider scheduling your exam in the morning, preferably upon waking. Not only does this make the 8 hour fasting easier, but your body is most relaxed in the morning – giving you more favorable readings.
True story: My Dad had a cup of coffee, smoked a cigar, and received a negative phone call all before he took his medical exam. Needless to say, he received an unfavorable outcome from the insurance company.
Paramed exams are quick and easy and shouldn’t deter you from applying for life insurance. If a medical exam is an issue, we can recommend life insurance with no medical exam.
If you’re reading this because you have already applied for life insurance elsewhere, please don’t hesitate to call us for competitive quotes.
Since we offer access to over 60 insurance carriers, we are able to shop your application around for you with only one medical exam.