Life Insurance Medical Exams: What to Expect and Why They Matter

Life insurance policies with higher coverage amounts typically require a paramedical exam to assess the applicant's health risk. This exam helps the insurer determine accurate premium rates (underwriting).

Typical Exam Components

• Vitals: Height, weight, blood pressure, pulse.
• Blood Draw: Comprehensive metabolic panel, lipid panel (cholesterol, triglycerides), HbA1c (diabetes screen), liver/kidney function, HIV, nicotine/cotinine.
• Urine Sample: Protein, glucose, blood, drugs/nicotine, microalbumin.
• Medical History Review: Personal and family history, medications, surgeries, hospitalizations, lifestyle (alcohol, tobacco, hazardous hobbies, travel).
• EKG: Often required for larger face amounts or older applicants.
• Cognitive/Mobility Assessment: For senior applicants.

Preparation Tips for Best Results

• Fast 8–12 hours before blood draw (water allowed).
• Avoid alcohol, caffeine, and strenuous exercise 24 hours prior.
• Stay well-hydrated for easier blood draw and urine sample.
• Have medication list and physician contact info ready.
• Schedule exam when relaxed, not rushed.

How Results Affect Premiums

Results place you in a risk class (Preferred Plus, Preferred, Standard Plus, Standard, Substandard/Table Ratings). Better health = lower premiums. Significant abnormalities may lead to postponement, rating, or decline.

No-Exam Alternatives

Simplified issue (health questions only) and guaranteed issue (no questions, graded death benefit) policies exist but offer lower coverage and higher cost per $1,000.