Life Insurance Medical Exam Process
What to expect during the paramedical exam
The Life Insurance Medical Exam Process
Most traditional life insurance policies require a medical exam as part of underwriting. Understanding the process helps you prepare and potentially qualify for better health class ratings.
The exam is conducted by a licensed paramedical examiner at your home or office, is free of charge, and typically takes 20-30 minutes. For those who prefer to skip the exam, no-exam options are available.
What to Expect
Vital Signs
Height, weight, blood pressure (seated and standing), pulse, and heart rate measurements.
Blood Sample
Small blood draw (typically 2-3 vials) for comprehensive lab analysis of health markers.
Urine Sample
Standard urinalysis to check for glucose, protein, and other health indicators.
Health Questionnaire
Detailed questions about medical history, medications, family health, and lifestyle factors.
ECG (If Required)
For higher coverage amounts or older applicants, an electrocardiogram may be included.
Total Time
The entire process typically takes 20-30 minutes at your preferred location and time.
Exam Requirements by Coverage Amount
| Coverage Amount | Age Under 40 | Age 40-50 | Age 50+ |
|---|---|---|---|
| Up to $250,000 | Non-medical possible | Basic exam | Full exam + ECG |
| $250,001 - $500,000 | Basic exam | Full exam | Full exam + ECG |
| $500,001 - $1,000,000 | Full exam | Full exam + ECG | Full exam + ECG + treadmill |
| Over $1,000,000 | Full exam + possible ECG | Full exam + ECG + treadmill | Comprehensive testing |
How to Prepare
Before the Exam
- Fast 8-12 hours: Water is fine, avoid food and caffeine
- Avoid alcohol: 24-48 hours before the exam
- Get adequate sleep: Being well-rested helps readings
- Avoid strenuous exercise: On the day of the exam
What to Have Ready
- Government ID: Driver's license or passport required
- Medication list: Names, dosages, and purposes
- Doctor information: Names and contact for your physicians
- Family history: Ages and causes of death for parents/siblings
What Labs Test For
Blood and urine samples are analyzed for various health markers and substances:
Blood Tests
- - Cholesterol levels (total, HDL, LDL, triglycerides)
- - Blood glucose and HbA1c (diabetes markers)
- - Liver function (ALT, AST, GGT)
- - Kidney function (creatinine, BUN)
- - HIV and hepatitis markers
- - PSA (prostate screening for males 50+)
Urine Tests
- - Nicotine and cotinine (tobacco use)
- - Cocaine and cocaine metabolites
- - Glucose and protein levels
- - Kidney function markers
- - Prescription drug screening
- - General urinalysis markers
After the Exam
Results Timeline
Lab results typically reach the insurer within 5-7 business days. Full underwriting takes 2-6 weeks depending on complexity.
Additional Requests
You may be asked for Attending Physician Statements (APS) from your doctors if conditions require more detail.
Your Rights
You can request a copy of your lab results. If abnormalities are found, the insurer must inform you.
Common Mistakes
Not fasting before the exam
Fast for 8-12 hours to get accurate cholesterol and glucose readings
Scheduling exam after strenuous exercise
Rest for 24-48 hours before the exam for accurate vitals
Drinking alcohol before the exam
Avoid alcohol for 48 hours - it affects liver function tests
Not bringing medication list
Prepare a complete list with names, dosages, and reasons for each medication
Keys to Success
- Schedule your exam for the morning when blood pressure is typically lowest
- Fast for 8-12 hours but stay hydrated with water only
- Get a full night's sleep before the exam
- Avoid caffeine for 24 hours before the appointment
- Have government ID and medication list ready
- Wear short sleeves for easy blood pressure and blood draw access
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