The Life Insurance Exam In’s and Out’s

A life insurance exam is usually a requirement If you are buying a term life policy. Usually, insurance medical exams are done by a paramedical company, who are licensed nurses who act upon the behalf on the insurance carrier. Usually, the paramedical examiner is not employed by the insurance company, but work for a company that specializes in these type of services.

What’s involved in the life insurance exam

The life insurance exam usually takes place either at your home or office. Usually, the paramed examiner will ask you a series of medical questions, along with recording your height and weight and blood pressure readings. If they receive positive answers to any of the questions, they may also get more into the specifics of that particular answer.

Since they come to you, paramedical employees usually carry their own supplies and have the necessary materials for blood and urine sampling, and in some cases, and EKG. Although the life insurance companies retain the ability to order doctors records, generally speaking, the life insurance medical exam cannot be done by your own doctor.

How do you set up the life insurance exam?

Usually, the insurance agent calls your case into one of the many paramedical companies, and a representative will call you to set up your appointment. If you can’t schedule an life insurance exam at your home or work, you will usually have the choice of going to a clinic specified by the insurance company. Unfortunately, the exam is not an option. In order to receive an offer for coverage, you must have it completed. The life insurance exam is free of charge to you, as the insurance company pays the paramedical company directly. Just think of it as getting a free exam!

Tips for preparing for your life insurance exam

we suggest that you follow these basic steps in order to obtain the best results from your life insurance exam:

• You do not have to undress; however, it is best to wear a garment that you can easily have blood pressure taken in.
• To get the best lab results, it is best to fast for 8-12 hours before the life insurance exam.
• The morning is usually the best time to have your exam taken, as your readings are much better before your day gets started.
• To ensure that you will be able to give a urine sample, make sure that you drink a glass of water prior to the exam.
• Coffee, soda, tea or other products with caffeine should be avoided.
• The same goes with smoking or chewing tobacco for at least one hour prior.
• Avoid alcoholic beverages the night before the insurance exam.
• Try to get a good night’s sleep before the exam.
• Have your appointment at the least stressful time of the day for the best blood pressure readings.
• Have your photo identification available.
• Avoid strenuous exercise for 24 hours before the exam, as it may cause abnormal readings.
• You will be asked questions about medical conditions, surgeries, and or medications. You will need to have all of that information at hand, along with the name and contact information of your physician.

Your life insurance exam will go smoothly provided that you take heed of the steps above, enabling you to get the best possible term life rates. Remember, the life insurance coverage is valuable, so the bit of discomfort from a life insurance exam is a small price to pay for the family security that comes from life insurance.