What to Expect

What to expect during the life insurance exam?

A life insurance exam, known as a paramedical examination, includes several components.

First, the examiner may interview you, to collect information about your medical history.

Second, the exam usually includes recording of height, weight, blood pressure, and pulse.

Third, the exam may also include the collection of blood, urine, oral fluid, EKG and/or X-ray. Whether these are included will depend upon the insurer's underwriting guidelines for the applicant's age and insurance amount.

What if blood is drawn?

If a blood sample is required by the insurance company, a medically trained professional will perform the draw. Only single-use sterile, disposable needles are used to collect the specimen and vinyl gloves are always worn.

What if an EKG is required?

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 completed in 10 to 15 minutes.