You’ve made a fantastic decision in purchasing a life insurance policy, however, due to the type of policy being applied for you have to undergo a paramedical examination. Knowing the purpose and how to properly prepare for a paramedical can lessen any stress you may have going into the exam and position yourself for success.
Not only does a paramedical examination include the recording of height, weight, blood pressure and pulse, it may also include the collection of blood, urine, oral fluid, and an EKG and/or X-ray, depending on the insurer’s underwriting guidelines for your age and insurance amount.
The exam may also include a personal interview to collect information about your medical history. All of this information allows the insurance company to perform a comprehensive evaluation of your current health. For some this can be a taxing experience, so it’s important to be prepared for what to expect.
Where is the exam performed?
If desired the exam may be performed at your home or workplace. You choose the time and place most convenient for you. In many cases, paramedical companies offer laboratories which you can have your paramedical performed at.
On average it is going to take 30-45 minutes. However, it all depends on the services required.
What happens when the exam is complete?
All of the specimens obtained during your examination are sent to the designated laboratory. Shortly after the results are forwarded to the insurance carrier for assessment. There will be further contact made only if additional information is required.
If desired you can obtain a copy of your results by contacting your life insurance agent or the insurance company.
12 Exam Do’s and Don’ts
Lastly, here are some additional tips in order to achieve optimal results prior to your exam:
- Do be prepared to provide the names and dosages of current medications
- Do be prepared to provide names, addresses and phone numbers of any doctors or clinics visited in the last five years
- Do be prepared to list any medical conditions or diagnoses including the date diagnosed, treatment, result of treatment, and treating physician information
- Do have photo ID ready
- Do limit salt and high-cholesterol foods 24 hours prior to the examination
- Don’t perform any strenuous exercise 12 hours prior to the examination
- Don’t drink alcoholic beverages for at least 12 hours prior to your appointment
- Do limit your caffeine and nicotine intake to one hour prior to your appointment
- Do be prepared to provide history of problems associated with having to provide any blood samples
- Do drink a glass of water one hour prior to the appointment
- Do get a good night of sleep prior to the examination
- Do have any application paperwork that was sent to you available and ready for the examiner unless otherwise instructed by your agent