As part of the underwriting process, an insurance company may require medical information prior to issuing an insurance policy depending on the applicant’s age and the life insurance amount. One of our certified medical professionals will obtain this information during a paramedical examination visit at your home or job. You will be asked questions about your medical history, a blood sample (typically less than an ounce), will be drawn and vital signs will be taken while you remain dress. Ocassionally, an EKG may be required. Typically in less than an hour, the examination is completed. The results are sent to the insurance company only after the laboratory analyzes any required samples. The insurance company pays for these examinations.
All information is strictly confidential as the insurance company obtains all results. You may receive a copy of the results by contacting your insurance agent.
One of our paramedical professionals will contact the applicant as many times as it takes to schedule an appointment at a convenient time and place for you based on your schedule.
Follow These Instructions Prior To a Paramedical Examination
Below are some tips to avoid artificially high blood pressure/pulse readings and to ensure the best examination results:
- Have a list of your current medications including the dose, frequency and name of the prescribing physician.
- Avoid foods unusually high in salt content for 24 hours prior to your exam
- Get plenty of sleep the night before your exam
- Avoid eating food at least 8 hours before your examination
- Avoid alcohol consumption, at least 8 hours but preferably 24 hours before the examination to minimize false blood pressure elevations and adversely impacting some of the blood levels.
- Avoid tobacco products or caffeine for at least one hour prior to your appointment.
- Drink a 6-8 ounce glass of water about 1 hour before your exam to ensure a urine sample is easily obtained
- On the day of your examination, avoid strenuous exercise to minimize false elevations of test levels