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Insurance  Exams

Paramedical Exam

What is a paramedical exam?

A paramedical examination usually includes the recording of height, weight, blood pressure and pulse. The exam may also include the collection of blood, urine, oral fluid, and an EKG and/or X-ray, depending on the insurer’s underwriting guidelines for your age and insurance amount. Additionally, if a medical history interview is required, this will be completed either over the phone or during the time of your exam. All of this information allows the insurance company to perform a comprehensive evaluation of your current health. To find out more information about how to prepare for a life insurance exam, watch this video.

How long will the examination last?

The examination time will vary depending on the services required by your insurance company.

Estimated examination times:

  • 10 – 20 minutes for a blood draw and urine

  • 20 – 40 minutes for paramedical exam, blood draw and urine

  • 30 – 60 minutes for paramedical exam, blood draw, urine and EKG


What if blood has to be drawn?

If a blood sample is required by the insurance company, a medically trained professional will perform the collection. Only single-use, sterile, disposable needles are used to collect the specimen and vinyl gloves are always worn.


What is an EKG?

An EKG records the electric impulses of the heart. If an electrocardiogram (EKG) is required by the insurance company, it will be performed at the time of the examination. An EKG recording is usually complete in less than 10 minutes.

If you have any questions regarding your application or your test results, please contact your insurance agent or the insurance company.

The paramedical examination results and any additional requirements are forwarded to the insurance company. You will be contacted if additional information is required.

How do I obtain my laboratory test results?

* This service is subject to insurance company participation. Many companies offer a customized service that they administer. Please contact your insurance agent or company to find out about the availability of your laboratory results. If your insurance company participates in ExamOne’s service, your results should be available in 7 to 14 days. 

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