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Getting ready for your life insurance paramedical

Getting life insurance to provide financial security for your family is a great decision. Once you have completed all of the paperwork with your advisor, you will most likely require a paramedical exam. This is a quick and easy process that can often take place in your own home, by a health professional, in under 20 minutes and will not require you to disrobe.

What to expect

It’s natural to be nervous at the prospect of any medical exam but when it comes to a paramedical for life insurance, you can rest easy. In most cases, this involves little more than an interview about your past and current health status, your lifestyle and habits and a quick check of your height, weight, heart rate and blood pressure plus you will need to provide a urine sample. You will also be asked about past illnesses and surgeries, medications you currently take and a list of the doctors you see.

That's it?

For most people, yes. But some people may be asked to provide a blood sample which can be done during the paramedical exam. If you will be having blood taken, you will be notified of this in advance of your appointment. If additional tests are required, for example a ECG, you will be notified of this and will have this test preformed at a medical facility.

What to do...what not to do

If you follow these tips your paramedical exam will go more smoothly.

Before your exam be sure to...

  • Avoid caffeine for a few hours
  • Avoid alcohol beverages for 8 hours
  • Do not smoke for one hour
  • Skip the gym and any strenuous activity for 12 hours
  • Drink plenty of water

If you are having blood taken...

  • Wear short sleeves or a shirt with sleeves that can easily roll up
  • No food for 8-10 hours prior to your appointment unless you suffer from a medical condition that does not allow for fasting
  • Avoid the gym for 24 hours after having blood drawn