1. 4330 POINTS
    Jerry Vanderzanden, CLU, ChFC
    Co-Founder, Coastal Financial Partners Group, California
    Assume you mean a life insurance paramedical exam rather than a physical performed by a doctor (not common).

    A trained, professional paramedical examiner performs the exam in your home or office. This routine exam will include taking information about your medical history, height, weight, collecting a urine specimen for urinalysis, blood pressure, pulse and collecting a blood sample. The exam will take about 45 minutes or less. If additional testing is required by the insurance company such as an electrocardiogram (ECG) or a chest xray, you will be notified in advance.

    We recommend scheduling the appointment at the least stressful time of day for you. Blood pressure can be artificially raised by stress. It can also be raised by caffeine, tobacco and alcohol so avoid these for several hours prior. Limit salt intake and rich foods for 24 hours prior to the exam. Fasting for 4-8 hours prior to the exam is also advised (and may be required) but drink plenty of water. Finally, avoid strenuous physical activities for 24 hours prior to the exam.
    Answered on April 13, 2013
  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    A life insurance physical is usually done in your home or other place of your choice, such as office. It can also be done at a local paramed office. It usually requires fasting from all but water at least 8 hours before the exam is done.

    The person doing the exam takes a blood test, urine sample, takes vitals signs, and weighs and possibly measures you. They ask you health questions and have you sign paperwork. It usually only takes about 30 minutes.
    Answered on November 6, 2013
  3. 3998 POINTS
    Matt Benore
    Founder, DenverWest Insurance Professionals, Inc.,
    A life insurance physical is usually misrepresented as a paramedic exam.

    First, if a physical is required by the company you are applying at, thwn they would send a medical or you could be sent to one, to have a physical completed similar to an annual physical. 

    A paramedical is where a technician is sent to your home, place of work, or another setting you agree upon, where he/she will ask a medical questions which the insurance company wants answers to.  Blood pressure,  a blood draw, urine in a cup, and measurements will also usually happen.

    It really all depends on the company, your age, and how much you are applying for.
    Answered on January 17, 2014
  4. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    A life insurance physical usually involves taking a blood sample, urine sample, blood pressure reading, and pulse. The examiner will weigh you and measure your height, plus sometimes waist or other measurements. You will be asked medical questions that you probably have answered already, but they are asked again to verify that the information is correct. Sometimes an EKG is done.
    Answered on January 17, 2014
  5. 0 POINTS
    Nathaniel Depano
    Insurance Professional, PMRD Insurance Agency LLC, Murrieta, CA
    Generally speaking, the para-medical exam for a life insurance application is done in your home or office between the hours of 7 a.m. and 7 p.m. Monday through Saturday. There are exceptions, but these hours and days are the norm. You can expect the exam to last between 30 to 45 minutes and the examiner will typically take down your vitals (blood pressure, height and weight) and collect a urine and blood sample. If it is warranted, you may be required to have a EKG or chest Xray exam but if this type of test is needed you will be given notice beforehand. It is recommended that you drink plenty of water the evening before and eat "clean" food (low sodium, low sugar, less fatty or greasy food) in the days leading up to the exam. After all, you want to get the best result in order the get the best rating/result back from the exam.
    Answered on September 16, 2014
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