What should I expect during a life insurance medical exam in Nevada?

A life insurance medical exam—formally called a paramedical exam—is a brief health assessment conducted by a licensed examiner, typically at your home or workplace or at a local exam facility. Most exams take 20 to 45 minutes and are provided at no cost to the applicant.

The examiner will typically measure your height and weight, record blood pressure and pulse, collect a blood sample, and obtain a urine sample. For older applicants or larger coverage amounts, additional tests such as an EKG, cognitive assessment, or blood count panel may be required. Medical records from your primary care physician may also be requested by the carrier.

The blood and urine samples are analyzed for cholesterol levels, blood glucose, kidney and liver function, nicotine and drug screens, and in some cases HIV testing (with your consent per Nevada law). Results are sent to the carrier's underwriting team, which uses them alongside your application responses to determine your health classification and premium rate.

Preparing for your exam can improve results. Avoid heavy exercise, alcohol, and high-sodium or high-fat foods in the 24 hours prior. Stay hydrated, get adequate sleep, and schedule the exam for the morning, when blood pressure and blood glucose tend to be most favorable. Bring a list of current medications.

Exam results are confidential and shared only with the applying carrier and authorized parties. You have the right to receive a copy of your results under Nevada and federal law.