Going into any type of test situation can be much easier if you are aware of what to anticipate. During the life insurance physical part of the health screening, this will consist of meeting with a paramedical professional (who is also often referred to as a “paramed”).
Typically, they will come to you, either at your home or place of business. This can make the burden of going through a life insurance physical much more convenient for you – and can save you a great deal of time.
You also won’t have to worry about paying for the exam, either, as the insurance company that you are applying through will bear this cost.
What is performed
- Health-related questions/application completion
- Blood and Urine Sample
- Height and Weight
In many instances, the insurance exam will only take about 30 minutes, during which time the paramed will ask you some health-related questions that will be required for the application completion fo the life insurance policy.
They will also collect a blood and urine sample from you. The insurance company will then test these samples during the physical examination for life insurance.
To see what life insurance companies test for in your blood and urine, click here.
Depending on your age, health, and amount of coverage you’re applying for, the paramed may also get an EKG (electrocardiogram).
Some of the critical items that underwriters look for include whether or not you are a smoker, your height and weight (in this case, your weight as it relates to your height), and whether or not you have specific health issues (particularly those that could make you a higher risk of a claim).