What to Expect When You're Expecting... A Life Insurance Exam

Congratulations! You've taken the next step to becoming insured and scheduled your life insurance medical exam. Policies written with a medical exam are the most affordable, so it's usually worthwhile to go through this brief inconvenience. 

The technical term for the process is called a paramedical exam. A certified medical professional (paramed) will be sent to you, typically in the comfort of your home, to complete a basic medical test. It's simple, quick and harmless.

Here's what to expect:

1. Questionnaire

The paramed will either ask about (or confirm answers to) your health history. Questions will include tobacco use, lifestyle choices, and family or personal illness.

2. Measurements

Your height, weight, and blood pressure will be recorded. 

3. Samples

Blood and urine will be collected. 

That's it. It's as easy as 1, 2, 3...

Of special note, if you are over the age of 50, most insurance carriers will request additional measurements. Specifically, you may need to have an EKG test on your heart. And if you are male, a PSA (prostate specific antigen) test. 

It's understandable to feel apprehensive about completing the exam. Yet, the relief you will feel once it's over is worth it. You are taking a step towards protecting your loved ones. Not much feels better than that!

For advice on what to do leading up to your exam, check out this article from Life Happens, a non-profit insurance awareness organization. 

Check out our free quote page to get started. It's easier than you think.