Do you need to complete a paramedical exam (aka
Read this guide as it will answer your questions and tell you everything you need to know in order to get your best results.
Paramedical Exam Overview
A life insurance medical exam, also known as a paramedical exam (paramed) consists of a personal medical history interview and a brief exam that involves a check of your height, weight, blood pressure, and pulse. It may also require blood and urine samples and may include a resting EKG.
How to Pass Your Paramed
How to Pass Your Paramedical Exam with Flying Colors!
- Ask your agent for the paramedical exam requirements.
Each life insurer’s paramedical exam requirements vary based on the amount of life insurance applied for and your age.
- Know Your Dates
If you’ve had medical problems in the past or present, make sure you have the dates of any surgeries, treatments, and tests.
- Have your physician contact information available
The examiner will ask you for the names, contact information
anddates for any physician and/hospital visits.
- Have a list of your medications and dosages
Make sure you have the names and dosages for all medications you take and continue taking them as directed.
- If you are sick, reschedule your exam for a later date.
When you’re sick, lab results may not be as optimal as needed, especially for the best rate classes.
- Watch what you eat before your exam
Limit salty, fatty and sugary foods for a few days prior to the exam.
- Fast for 6-8 hours prior to your exam
Some paramedical exam companies now say fasting is not necessary, while other exam companies want 6-8 hours. In our experience, fasting has been the better way to go. Do not fast if your medical condition requires that you do not fast.
- Don’t drink alcohol before your paramedical exam
You should abstain from drinking alcohol for at least 24 hours prior to the paramedical exam.
- Don’t use tobacco products before your exam
If you smoke or use tobacco products, stop using them for a few hours prior to your exam as they tend to elevate your blood pressure.
Special note for cigar smoking and chewing tobacco programs.
If your quote requires a negative urine sample, make sure you stop long enough beforehand to ensure the negative test.
- Answer the examiner’s questions
Make sure you understand the question before answering. You don’t have to guess and you shouldn’t answer more than what they are asking you for. They will cover every question they want answered.
Paramedical Exam FAQs
The following are some of the most common questions clients ask us about paramedical exams and we answer them all.
The lab tests will check for elevated blood sugar levels, kidney function tests, liver functions, cholesterol, hepatitis, red & white blood cell counts, PSA levels for men, illegal drugs, cotinine, etc.
Yes, your lab results are available soon after completing your paramed exam. Your agent can help you get a copy too.
Life insurance companies pay for the
No, in fact, more and more companies are eliminating the
In most cases, no. If you end up with unfavorable lab results it will easier to move you to another life insurer rather than getting the initial company to allow retesting.
In the rare cases where the insurance company does allow retesting, the insured has to pay for the retest.
It will be similar to your physician’s office. The examiner will take a few small vials of blood and will give you a cup to collect the urine specimen….and no, they do not come into the bathroom with you.
Paramedical Exam Questions
While the questions vary slightly by the company, the paramedical examiner will ask you many of the following and will obtain the details of your medical history.
Have you ever been diagnosed with or treated for any of the following:
- High blood pressure?
- High cholesterol?
- Heart Conditions? (chest pain, murmur, heart attack, EKG)
- Cancer? (tumors, melanoma, or other cancers)
- GI Problems – Ulcerative colitis, Crohn’s Disease, Hepatitis?
- Endocrine Disorders – Diabetes, Thyroid Conditions, etc?
- Respiratory Problems? (asthma, sleep apnea, emphysema, etc)
- Mental or Nervous Disorder? (anxiety, depression, OCD, bipolar, suicide ideation/attempts)
- Brain Disorders? (Seizures, epilepsy, TIA, MS, strokes)
- Have you ever been diagnosed with AIDs?
- Any disorders of the blood or immune system? (anemia, leukemia, lymphoma, HIV, etc.)
- Do you drink alcohol?
- If yes, how often do you drink?
- Have you ever used illegal drugs?
- If yes, what do/did you use and when?
- Drug addiction and/or alcohol abuse?
- Any other health history not mentioned?
- Have you ever used tobacco?
- If yes, what types, how often and if you quit when did you quit?
- They’ll ask you about your parents and siblings medical history too.
In conclusion, keep in mind that we ask you these questions when we first quote you. If there are any concerns, we’ll review those questions with you upfront.
We’ll schedule your
You want to answer the questions truthfully and to the best of your ability. We work for you, not the insurance company.
Our goal is to help you find your best life insurance rate based on your medical history.
Please take a few minutes to submit your quote request today. Thank you.