How to Schedule a Life Insurance Medical Exam

A life insurance medical exam is a standard component of the application process for many policies, allowing insurers to gather detailed health information. Insurers use the results to understand an applicant’s health status, which helps determine eligibility for coverage and the premium rates offered. This exam is provided at no cost to the applicant, as it is paid for by the insurance company.

Understanding the Life Insurance Medical Exam

A life insurance medical exam is similar to a routine physical and is a step in the underwriting process. Its purpose is risk assessment, evaluating an applicant’s health to determine claim likelihood. For the applicant, it is a necessary step to qualify for coverage and potentially secure more favorable premium rates.

The exam typically involves two parts: a medical questionnaire and a physical assessment. The questionnaire covers personal and family medical history, current medications, lifestyle habits, and recent doctor visits. The physical portion includes recording height, weight, pulse, and blood pressure. Blood and urine samples are collected to test for markers like cholesterol, blood sugar, liver and kidney function, and the presence of nicotine or drugs. Depending on age or the amount of coverage sought, an electrocardiogram (EKG) or other specialized tests might also be required.

Preparing for Your Exam

Preparation for a life insurance medical exam helps ensure accurate results. Fasting is often required for 8 to 12 hours before the exam, especially for blood tests. Scheduling it for the morning can be convenient. During this fasting period, only water is usually permitted.

Avoid certain substances and activities in the 24 hours before the exam. This includes alcohol, caffeine, and strenuous exercise, as these can temporarily affect blood pressure, pulse rate, and blood test results. Staying well-hydrated by drinking plenty of water before the exam can facilitate easier blood draws and adequate urine samples. Getting a full night’s sleep the day before the exam is also recommended.

Gather a photo ID, a list of current medications (including dosages), and contact information for doctors or clinics visited in the last five years. Be prepared to discuss your medical history openly and honestly, as accuracy is important for the underwriting process. Wearing comfortable, loose-fitting clothing with short sleeves can make the physical measurements and blood draw more convenient.

The Exam Scheduling Process

Scheduling is initiated by the insurance company or a paramedical service provider after you submit your application. These services, such as ExamOne or Portamedic, are contracted by the insurer to conduct the exams. They reach out to the applicant via phone, email, or an online portal to arrange the appointment.

During the scheduling call, you will provide contact details and discuss preferred dates, times, and locations for the exam. Many paramedical services offer flexibility, allowing the exam to be conducted at your home, workplace, or a designated lab facility. This aims to accommodate your schedule and make the process seamless.

The service will confirm the appointment details and may provide instructions regarding specific preparations, such as fasting requirements. Have your calendar available to select a time that suits your needs and allows for pre-exam preparations. Some services also offer online scheduling tools, enabling applicants to self-schedule and manage their appointments in real-time.

What to Expect During and After the Exam

On the day of the exam, a certified paramedical professional will arrive at the agreed-upon location. The process begins with a review of your medical history and lifestyle questions, often reiterating information from your initial application. This interview ensures consistency and allows for any necessary clarifications.

Following the questionnaire, the physical examination will take place. This involves routine measurements such as height, weight, blood pressure, and pulse. Blood and urine samples will be collected for laboratory analysis, a process that typically takes only a few minutes. The entire exam lasts between 15 to 45 minutes, depending on the tests required.

Once the exam is complete, the paramedical professional sends all collected information and samples directly to the insurance company’s underwriting department. Results are processed, a period that can range from a few days to several weeks, or up to two months for complex health histories. After the underwriting review, the insurance company will communicate their decision regarding your policy application and the final premium rate.