A paramedical exam is a non-invasive health assessment conducted by a trained medical professional, not a physician, primarily for life insurance purposes. It is an information-gathering tool used by the insurance company to evaluate an applicant’s current health status. The results are a significant factor in the underwriting process, determining eligibility and the cost of the policy.
The Purpose and Logistics of the Exam
The purpose of the paramedical exam is to provide the insurer with a detailed snapshot of an applicant’s health to accurately assess risk. By evaluating the likelihood of a future claim, the insurance carrier assigns the applicant to a specific health classification, which directly influences the premium rates. Healthier individuals generally receive better classifications and lower premiums, making this step an important determinant of the policy’s final cost.
The exam is typically administered by a licensed professional, such as a registered nurse (RN), a licensed practical nurse (LPN), or a certified medical technician, collectively referred to as the paramedical examiner. This examiner is an independent third party hired by the insurance carrier to ensure an objective assessment. The exam is provided at no cost to the applicant and usually takes between 20 and 45 minutes to complete.
Logistically, the process is designed for applicant convenience, as the examiner often travels to the applicant’s home, workplace, or another preferred private location. This flexibility allows the applicant to complete the necessary medical requirements without having to visit a separate clinic or doctor’s office. The examiner’s role is strictly to collect data, including measurements, history, and samples, which are then sent to a lab and the insurer for review.
What the Examination Includes
The paramedical exam has three main components, beginning with the collection of basic physical measurements and vital signs. The examiner measures the applicant’s height and weight to calculate the body mass index (BMI), which is used as a health indicator. Blood pressure and pulse rate are also taken, as abnormal readings can suggest underlying cardiovascular issues that may affect longevity.
A detailed medical history review follows, where the examiner asks questions about personal health, previous diagnoses, and any surgeries. This interview includes a review of current prescription medications, dosage, and the treating physician’s information. The examiner also gathers information about family health history, focusing on conditions like cancer, heart disease, or diabetes in parents or siblings.
The collection of biological specimens, typically a blood sample and a urine sample, follows. The blood draw is used to test for a range of health markers, including cholesterol levels (LDL, HDL, triglycerides) and glucose levels, which are markers for heart disease risk and diabetes. Blood tests also check for liver and kidney function, as well as the presence of substances like nicotine or illicit drugs.
The urine sample is collected to provide additional insights into kidney function and to screen for various substances. The urinalysis can detect protein in the urine, which may indicate kidney damage, and confirm drug or nicotine use. In some cases, an electrocardiogram (EKG) may be required to assess the heart’s electrical activity, particularly for applicants seeking very large coverage amounts.
Preparing for Accurate Results
Applicant preparation plays a significant role in ensuring the test results accurately reflect their usual health status. If a blood sample is required, applicants are typically instructed to fast for 8 to 12 hours before the exam. Fasting prevents food intake from temporarily inflating glucose or lipid levels, ensuring the resulting cholesterol and blood sugar readings are accurate baselines.
Hydration is also important; drinking water beforehand is advised to facilitate both the blood draw and the ability to provide a urine sample. Applicants should avoid beverages containing caffeine, such as coffee or soda, for at least an hour before the appointment, as stimulants can temporarily elevate blood pressure and heart rate. Tobacco use should also be avoided immediately prior to the exam for the same reason.
Strenuous physical activity should be avoided for at least 24 hours before the exam, as intense exercise can temporarily raise pulse rate and potentially cause protein to appear in the urine. Applicants should gather a comprehensive list of all current prescription and over-the-counter medications, including dosages, to provide to the examiner. Having this information ready prevents delays and ensures the medical history portion is complete.