Key Terms:


  • Insured

    The person who the life insurance protection is on.

  • Beneficiary

    The person or people who will receive the benefit amount if the insured were to die.

  • Policy Owner

    The person who owns the life insurance policy. This can be the insured, the beneficiary, or a third party like a trust.

  • Life Insurance Company

    The companies which issue life insurance policies.

  • Policy

    The contract between the policy owner and the insurance company which lays out the terms of the agreement.

  • In Force

    Your policy is active and you are now covered.

  • Face Amount

    The amount of money paid to the beneficiary if the insured were to die. Also, know as the benefit amount or death benefit.

  • Premium Payment

    The amount of money paid by the policy owner to the insurance company to keep the policy in force.



Everything you Need to Know about your Paramed Exam


A Paramedical Exam

To get approved for life insurance, you must complete an application and undergo the underwriting process. Depending on different factors, the underwriting process could be as simple as filling out an application and waiting a few minutes for your approval or a more lengthy process that requires a paramed exam and ordering your medical records by the insurance company.

What is a paramedical exam, and how long does it take?

A paramedical exam consists of questions about your medical history, height and weight measurements, blood pressure, and pulse. A urine specimen is also collected. Undressing is not required; the exam usually lasts 20 to 30 minutes. Your insurance application is incomplete until we have obtained this information.

Why will a urine specimen be collected?

A urine specimen will always be collected during a paramedical exam. The tests are determined by the insurance company and performed by a laboratory. The test results will be sent only to the insurance company and are used in the underwriting process.

What happens to this information?

All the information obtained during the paramedical examination is strictly confidential and for insurance purposes only. It will be forwarded to the insurance company for review to help evaluate your policy.

How is the appointment made, and where?

The Paramed will call you to schedule a convenient date, time, and place. You may elect to have the exam completed at your home or office, or many people prefer to come to our location. You decide to fit your schedule.

Medical Services

What qualifications are required of physicians, and what services do they perform? Sometimes a physician is required by the insurance company to perform the examination. Paramedic contracts with physicians with a current license are in good standing and practice in a specialty area approved by the insurance company and Paramedic. These physicians provide medical exams, treadmill ECGs, X-rays, etc.

Blood Testing

Why is blood testing required?

Blood testing has been found to provide important information for underwriting purposes. A laboratory completes a wide range of tests, and the results are sent only to the insurance company.

How much blood is required?

Less than one ounce of blood is drawn from a vein, into 1-3 vials, by experienced personnel. Depending on the insurance company's requirements, you may be required to fast from 4-12 hours. You should advise your examiner if you have had previous problems such as fainting and nausea, are taking large doses of aspirin, have difficulty clotting, or have easily bruised.

Can you get an infectious disease from this blood draw?

No. The sterile materials used are in disposable kits and used only once. The examiner will open the kit before you and show the broken seal on the sterile needle.

What tests will be completed?

Each insurance company selects the tests they need for the underwriting procedure. A paramedic is requested only to collect and prepare blood for analysis; the insurance company gives instructions to the lab regarding specific tests. You must sign a consent form and a chain-of-custody form for your protection.

Who will receive the results of your test?

The lab sends the results directly to the insurance company.

Electrocardiogram (ECG)

What is an electrocardiogram?

It records the electrical impulses associated with cardiac contraction and relaxation. The ECG does not cause any pain.

What should I expect?

You will be asked to lie flat with your shirt unbuttoned to place the leads on your chest. Women must remove stockings before the exam.

What can I do to assist the technician in obtaining a good ECG?

The best preparation is to remain calm and relaxed to prevent muscle interference.

Examination Checklist

To save you time and obtain the best possible results, please follow these helpful suggestions:

  1. Blood pressure and pulse can be artificially raised by stress, alcohol, caffeine, and tobacco.
    - Get a good night's sleep the night before the examination.
    - Abstain from alcoholic beverages for at least eight hours before the exam.
    - Do not smoke or chew tobacco for at least one hour before your examination.
    - Avoid drinking coffee, tea, or caffeinated soft drinks for at least one hour before your examination.
    - Limit salt intake and high cholesterol foods 24 hours before your examination.
    - You should not engage in strenuous physical activities 24 hours before the examination.
  2. Advise your Paramedical Examiner regarding any medications you are taking, even non-prescription medications.
    - Have your physician's names, addresses, dates of past visits, names of any prescribed medications, and any information regarding injury and major illness during the previous five years.
    - If you belong to Kaiser or any other prepaid medical plan, have your medical record number available.
  3. Drink a glass of water an hour before your appointment. This will help in obtaining a urine specimen.
  4. If a blood specimen is required, you should fast according to provider directives before the examination unless otherwise instructed.

Key Terms:


  • Insured

    The person who the life insurance protection is on.

  • Beneficiary

    The person or people who will receive the benefit amount if the insured were to die.

  • Policy Owner

    The person who owns the life insurance policy. This can be the insured, the beneficiary, or a third party like a trust.

  • Life Insurance Company

    The companies which issue life insurance policies.

  • Policy

    The contract between the policy owner and the insurance company which lays out the terms of the agreement.

  • In Force

    Your policy is active and you are now covered.

  • Face Amount

    The amount of money paid to the beneficiary if the insured were to die. Also, know as the benefit amount or death benefit.

  • Premium Payment

    The amount of money paid by the policy owner to the insurance company to keep the policy in force.