June 7, 2021

How Should I Prepare for my Paramedical Exam?

Each type of life insurance policy has its own application and underwriting process from start to finish. One step in the process that varies is whether a paramedical exam for life insurance is required. Right now you’re probably wondering, “What is a paramedical exam?” Before you start to worry, we’re here to tell you not to fret! Simply put, a paramedical exam–sometimes referred to as a health assessment, paramed exam, or medical exam–is an assessment performed by a medical professional. This exam is used to gather information about your medical history and your current medical status.

Now, you might be asking yourself, “What types of things will they test for? Does the life insurance medical exam require a blood test?” Before you start to spiral into a world of worry (again), here’s a list of the items your paramedical exam may include:

  • Height and weight measurements
  • Blood pressure reading
  • Blood sample / Blood test
  • Urine sample
  • Electrocardiogram (EKG)

Where do I take the exam? After I take it, how are the exam results used?

ExamOne Professional taking blood pressure readingAt BetterLife, we make the process as easy and convenient as possible and allow you to choose the time and location for your exam to take place. Once your exam has been completed, the results are sent to our underwriting team.

Our underwriters then take the results of your exam and use them to help determine several things, including whether or not you qualify for coverage, how much coverage you may qualify for, and your rate class–a rate class is a simpler way for our underwriters to calculate how much you’ll pay in premiums.

Do you have any tips on how to prepare for my life insurance paramedical exam?

There are definitely a number of ways you can prepare to get a good or better result on your medical exam. While these tips won’t guarantee better test results, they’ll help you get the most accurate results.

Little boy drinking full glass of waterHere’s what we would suggest for how to prepare for your exam:

  • Fast for 4-8 hours prior
  • Pick a morning time slot for your exam appointment so you can fast overnight
  • Limit salt and high-cholesterol foods for 24 hours
  • Avoid strenuous exercise for at least 12 hours
  • Refrain from drinking alcoholic beverages for at least 12 hours
  • Limit caffeine and nicotine for at least an hour beforehand
  • Drink a glass of water (minimum) an hour prior
  • Get a good night’s sleep

I’m in poor health and probably wouldn’t qualify for coverage if I took this exam.  Can I get life insurance without a medical exam?

The good news is, even if you’re not in great health, you may still qualify for certain types of protection. While Term, Whole, and Universal Life policies typically require a paramedical exam, most Final Expense Solutions and Annuities do not.

Grandparents laughing with grandchildAt BetterLife, we offer a variety of options for people who want to get life insurance without a medical exam:

  • Our Guaranteed Issue Whole Life is a life insurance option with no medical exam and no health questions! A single premium is used to purchase the policy, which makes it ideal for those with significant health problems.
  • Graded Benefit Whole Life is a more affordable life insurance with no medical exam and offers a graded death benefit that’s limited in the first two years. Its simplified application has minimal medical questions.
  • Simplified Issue Whole Life is another form of life insurance without a medical exam that only requires simple yes and no answers to very basic health questions. If you qualify, you get to choose how you pay your premiums: one time, over your entire lifetime, or for a set time period.
  • The Funeral Trust Program isn’t necessarily a form of life insurance, but it pairs with one of our final expense policies to ensure your death benefit is clearly designated to pay for final expenses.
  • Annuities aren’t a form of life insurance either. Rather, they help you save money for retirement with guaranteed* growth, a reliable stream of income, and a safer alternative to investing in the market. We asked BetterLife Underwriter DeAnn Crane about the annuities application process and she says, “There’s no exam required. We only look at your age, the amount you’d like to deposit, and whether or not it makes sense for your situation.”

If you have any questions regarding whether or not the policy you’re applying for will require a paramedical exam, if one of our Final Expense Solutions might be the right choice for you, or anything else regarding the life insurance and annuity application process, get in touch with us! We’re always here to help.

And, if you’re ready to take the next step and chat with someone about protecting your loved ones, click here to find a friendly and knowledgeable agent near you. 


*Guarantees are backed by the financial strength and claims-paying ability of BetterLife.