Most insurance companies require all applicants to have an insurance medical exam, also called a paramedic exam. 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: (Read more)

1. lif enet insurance.com http://www.lifenetinsurance.com/blog-0/bid/57394/Insurance-Medical-Exam
Posted by Lenny Robbins on Fri, Feb 25, 2011 @ 04:57 AM
Insurance Medical Exam
Most insurance companies require all applicants to have an insurance
medical exam, also called a paramedic exam. Many clients want to know
if they can use results f rom a recent doctor visit so they do not need to
do the blood and urine portion of the exam. Unf ortunately the answer
is they cannot. The insurance company needs independent results f or
two reasons:
Chain of custody. The insurance companies want to be certain that
they are looking at your results.
The insurance company will test f or 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 perf ormed by a paramedic does not require disrobing. The amount of coverage
you are applying f or and your age will determine the specif ic 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
f ollowing:
Complete medical history
Resting EKG
Mature Age Supplement
M.D. Evaluation
To prepare f or your exam you should be f asting f or eight hours. Drink water bef ore the exam as this will help
you provide a urine sample and will make drawing your blood easier f or both you and the examiner. Also,
ref rain f rom stress or exercise bef ore 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 f orget to f ast, and eat bef ore 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 af f ected negatively by eating.
You will need to show your driver’s license to the examiner f or identif ication purposes. Have your doctor’s
address and phone number ready f or the examiner, as well as the last time you saw the doctor, the reason f or
the visit and the recommended treatment. If you take any medications, have them available f or 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 of f er lif e insurance without a medical exam, we f ind 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 lif e of your policy. It’s
well worth your time!