Life Insurance Paramedical Exam Tips - It's a basic exam completed by an approved third-party vendor, typically Exam One or APPS to complete your physical at your home or you can visit them. It includes a qualified examiner asking medical history questions, completing proper paperwork/forms, taking vitals (height/weight, blood pressure, pulse), collecting fluids (blood and urine), and administering ECGs. Undressing is not required and the exam usually lasts 30 minutes.
The Night Before, DO...
The Morning of the exam, DO...
Please DO NOT...repeat, DO NOT...
Remember to Have This Information Handy:
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.
How is the Appointment Made and Where?
Exam One or AppsLive will call you to schedule a date, time and place convenient for you. You may elect to have the exam completed at your home or office, or many people prefer to come to our location. You make the decision to fit your schedule; even on Saturdays.
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 from 4-12 hours depending on the requirements of the insurance company. You should advice your examiner if you have had previous problems such as fainting, nausea, are currently taking large doses of aspirin, or have difficulty clotting or bruise easily.
Can you get an Infectious Disease from 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 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. Portamedic is requested only to collect and prepare blood for analysis; the insurance company gives 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. Some companies can mail your results and some companies you are able to view them online.
What is an electrocardiogram? (only required on some cases)
It is a recording of the electrical impulses associated with cardiac contraction and relaxation. The ECG does not cause any pain. You will be asked to lie down flat with your shirt unbuttoned in order to place the leads on your chest.
More Information:
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Life Insurance FAQ's
The Night Before, DO...
- Have a low fat, light dinner, with no late night snacks. Drink lots of water-Try to get to bed early to get plenty of rest.
- Fast for 8-12 hours before your exam.
The Morning of the exam, DO...
- Drink lots of water, enough to make you urinate at least once before giving a urine sample to the examiner.
- Schedule the exam early enough in the morning before you start feeling pressured by the day's events. This will help keep your blood pressure down.
- Ask the examiner what your blood pressure reading was after she takes it. If it is over 155/95, and it won't go below that, have the examiner stop the exam and reschedule for a later date.
Please DO NOT...repeat, DO NOT...
- Try to lose weight fast. Insurance companies will add in half the weight you have lost within 1 year.
- Eat a high fat, high calorie meal the night before!
- Eat anything OR Drink coffee before the exam.
- Drink more than one alcoholic beverage the night before the exam.
- (Women Only) - It is a good idea not to do the exam while menstruating.
- If applying for Non-Tobacco rates, please don't use any tobacco products! This includes cigars, gum and chewing tobacco.
- Try not to use any pain relievers such as Tylenol or Advil (Ibuprophen) the night before the blood test, they can temporarily elevate liver enzymes.
Remember to Have This Information Handy:
- Doctors Information.
- Medications you are taking.
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.
How is the Appointment Made and Where?
Exam One or AppsLive will call you to schedule a date, time and place convenient for you. You may elect to have the exam completed at your home or office, or many people prefer to come to our location. You make the decision to fit your schedule; even on Saturdays.
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 from 4-12 hours depending on the requirements of the insurance company. You should advice your examiner if you have had previous problems such as fainting, nausea, are currently taking large doses of aspirin, or have difficulty clotting or bruise easily.
Can you get an Infectious Disease from 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 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. Portamedic is requested only to collect and prepare blood for analysis; the insurance company gives 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. Some companies can mail your results and some companies you are able to view them online.
What is an electrocardiogram? (only required on some cases)
It is a recording of the electrical impulses associated with cardiac contraction and relaxation. The ECG does not cause any pain. You will be asked to lie down flat with your shirt unbuttoned in order to place the leads on your chest.
More Information:
Get Instant Life Insurance Quotes
Apply For Life Insurance
Life Insurance FAQ's