Insurance Medical Exam

Most insurance companies require all applicants to have an insurance medical exam, also called a paramedic examination. Many clients want to know if they can use results from a recent doctor visit so they do not need to do the blood and urine portion of the exam. Unfortunately the answer is they cannot. The insurance company needs independent results for two reasons:  

 Chain of custody. The insurance companies want to be certain that they are looking at your results.  The insurance company will test for things your doctor won’t such as nicotine and drugs. If they want more tests, the samples will be available to them.  
The insurance medical exam performed by a paramedic does not require disrobing. The amount of coverage you are applying for and your age will determine the specific requirements. Most exams will include height and weight, blood pressure, pulse rate, and blood and urine samples. They may also include any or all of the following: 

 Complete medical history  Resting EKG  Mature Age Supplement  M.D. Evaluation 
To prepare for your exam you should be fasting for eight hours. Drink water before the exam as this will help you provide a urine sample and will make drawing your blood easier for both you and the examiner. Also, refrain from stress or exercise before your exam as they will impact your blood pressure and EKG results. 
If you take medications always take them at your regular time and alert the examiner to include that in the paperwork. If you forget to fast, and eat before the exam, the best thing to do is to reschedule the blood and urine, but complete the rest of the exam. Many of the lab results can be affected negatively by eating. 

  
    
9 
You will need to show your driver’s license to the examiner for identification purposes. Have your doctor’s address and phone number ready for the examiner, as well as the last time you saw the doctor, the reason for the visit and the recommended treatment. If you take any medications, have them available for the examiner. 
Generally the exam takes between 20 and 40 minutes depending on the requirements and amount of medical history. You can request a copy of your lab work through your agent. 
While there are companies that offer life insurance without a medical exam, we find using a top rated carrier that requires an exam will usually save you money on the premium. An insurance medical exam and blood test can lower your premium and the savings can add up to thousands of dollars over the life of your policy.  It’s well worth your time!