Are you ready to buy life insurance? What you should know!

When applying for Life Insurance to get the most affordable rates, you may need to take a medical exam, also called a paramedical exam. Medical exams are standard for most term life insurance and permanent life insurance policies and are provided for free by the insurance company. A life insurance health exam is a simple physical performed by a qualified medical professional like a nurse not a doctor.  This is an opportunity for your life insurance company to review your medical history and basic information that was used during your life insurance application.  

This information is used to determine if you will be accepted for your life insurance policy or not and what the premium will be.  

Stages of the Life Insurance Application and Medical Exam

  • The agent/broker will complete a full application asking health questions, such as height/weight, smoker/non-smoker, and information about your health through a series of questions.  
  • A Medical/Paramedical exam will be scheduled and often can be done in your home. 
  • During the Medical/Paramedical exam the medical professional will ask you a series of questions 
  • Standard and basic sample collections, you might be required to give a sample of urine and blood. Your life insurance agent or broker should notify you in advance which test they will be doing.  

What to expect during the Para-med Exam?

During the exam, the paramedical professional will generally ask a series of questions such as:

  • Your medical history, such as any hospitalizations, medications procedures you may have had or conditions.  
  • Your family medical history 
  • Primary care doctor, Name, address and phone number of any specialist or medical situations.
  • Lifestyle habits such as smoking, drinking, recreational drug use and exercise 
  • If you suffer from depression or anxiety 

During the exam the paramedical examiner will perform a few procedures such as:

  • Measurement of your weight and height 
  • Measurement of your blood pressure and pulse 
  • Blood work (checking your cholesterol, glucose, protein and HIV) 
  • Urinalysis checking things such as HIV, protein, glucose, creatinine and cocaine 

“Life Insurance is one of the greatest gifts you’ll ever give your family!”

What insurers are looking for during the medical exam!

  • Body Mass Index (BMI)
  • Blood Pressure
  • HIV and other immune disorders 
  • Elevated sugar levels 
  • Liver and Kidney functions 
  • Cholesterol Levels 
  • Diabetes 
  • Hepatitis 
  • Nicotine use (whether from cigarettes, e-cigarettes, nicotine gum or patches) 
  • Marijuana use 
  • Early signs of Alzheimer’s or other memory impairments 
  • Cocaine or other illegal drug use 

What happens after a life insurance medical exam?

After undergoing the medical exam your insurance company will review the results to determine if you are insurable and what premium they will charge you. Learn more about How to prepare for the Life Insurance Medical Exam.