What happens during a life insurance medical exam?

The life insurance medical exam—formally called a paramedical exam—is conducted by a licensed paramedical professional, often at your home or workplace at a time you choose. The exam is paid for by the insurance carrier. Most exams take 20–30 minutes.

The examiner will measure your height, weight, blood pressure, and pulse. They'll collect a blood sample (typically via a finger stick or venipuncture) and a urine sample. Blood tests check for cholesterol levels, glucose, liver function markers, kidney function, nicotine metabolites, and in some cases HIV antibodies. Urine tests screen for drugs and kidney markers.

For larger policies or older applicants, an EKG may also be required. The examiner will also ask health history questions verbally, confirming information from your application. Results are typically available within one to two weeks and sent directly to the carrier's underwriting team—you can request a copy for your own records.

To prepare: fast for 8–12 hours before the exam, avoid strenuous exercise, limit salt and alcohol for 24 hours, stay hydrated, and avoid caffeine immediately beforehand. Results can affect your rate class, so presenting your best health baseline matters.