Look your best for the medical “Snapshot”
Helping you get the best possible rates for your Life Insurance
Insurance companies request medical examinations in order to provide them with a “snapshot” of your current health. Abnormal findings can create problems in obtaining the coverage and with future applications as well. So, it is in our mutual best interest that this snapshot be as accurate as possible eliminating as many false abnormalities as possible.
Just as you would spruce yourself up for a family photo, or spruce up your home prior to selling it, the following tips can help avoid false positive results and give us the best odds of getting a preferred underwriting decision.
Where is the examination performed?
The examination is performed at a location that is convenient for you. This can be at your home, workplace or a nearby clinic.
What is a Paramedical Exam?
A paramedical examination is a personal interview with you to collect information about your medical history. This interview may be performed over the phone or in-person at the time of your examination. This information allows the insurance company to perform a comprehensive evaluation of your current health. The examination usually includes recording of height, weight, blood pressure and pulse. The examination may also include the collection of blood, urine, and an electrocardiogram (EKG) depending on the insurance company’s guidelines.
What is an EKG?
If an electrocardiogram (EKG) is required by the insurance company, it will be performed at the time of the examination. An EKG records electric impulses of the heart. Testing is usually complete in less than 10 minutes.
Estimated Examination Time
10 to 20 minutes for blood draw and urine
20 to 30 minutes for paramedical exam, blood draw and urine
30 to 45 minutes for paramedical exam, blood draw, urine and EKG
What Happens When the Exam is Complete?
The paramedical examination and any additional requirements are forwarded to the insurance company. Any specimens obtained during the examination are sent to a laboratory and the results are forwarded to the insurance company for assessment. The examiners are not aware of the tests performed on the specimen(s) at the laboratory and do not receive the test results.
- Do not consume any alcohol 48 hours before the exam.
- Do not do any heavy exercise 24 hours before the exam.
- Limit salt and high-cholesterol foods 24 hours prior to the exam.
- Avoid all non-prescription medications such as Acetaminophen (Tylenol), Ibuprophen (Advil), cold remedies, herbals, etc. for at least 24 hours prior to the exam.
- Get a good night’s sleep the night before.
- Fast for at least 12 hours before the exam (best results from blood work).
- Do not consume any form of caffeine, nicotine, food or beverage – except water – for at least 2 hours before the exam (remember, you are fasting).
- If you are taking any prescription medications, continue to use them as prescribed and make sure you have the medications available for the nurse to record information on the label.
- Drink 1-2 glasses of water before the exam.
- Be prepared with a picture ID at the time of the exam.
- Have available names, addresses and phone numbers of any doctors or clinics visited in the last 5 years.