When you Apply for a life insurance policy a life insurance carrier typically requires what is called a para-medical examination. The Para-med exam is usually scheduled during the application process or within a few hours of completing your medical question interview. The exam is brief and is usually completed at your home at your convenience in 20-30 minutes and consist of blood, urine samples, blood pressure and if needed an EKG. Not to worry it is a quick process. The insurance company you have applied to for coverage pays for this service and there is no obligation on your part. The following is a list of things to do that are intended to improve your chances of completing a successful medical examination.
- if you are not feeling well or are not well rested it is best to reschedule the appointment.
- A good nights rest for the several days prior to exam will insure adequate rest and low stress levels.
- Avoid alcoholic beverages for 8- 12 hours before the exam just to be safe from alcohol in your urine.
- Avoid all tobacco before the exam if possible
- Avoid caffeine at least an hour prior the exam (this can potentially elevate blood pressure)
- Consume as little salt intake and high-cholesterol foods as necessary. (Choose whole natural foods.)
- Don't engage in strenuous exercise or physical activities for 24 hours before the exam.
- For best results take the exam in the morning before breakfast and after an 8-12 hour fast.
- Consume 8-16 ounces of water at least 1 hour prior to the exam.
- If something unreasonable turns up in your medical exam that will cause the insurer to reduce the face amount or increases your premium, you may dispute the outcome. In some cases, volunteering for further medical tests could result in reducing the premium or increasing the face amount closer to what you applied for. Many time the carrier will adjust the results after further review
If you are afraid you might not do well or have not had a physical you may opt for a non medical insurance policy where the carrier allow you to apply without a para-med exam. If you are reasonably healthy or have not more than two health issues that are under control with medication and medical supervision then you can usually just qualify by answering a few medical questions.
