Paramedical Exam – What You Don’t Know

Know, so you can explore your options!

When applying for life insurance, a paramedical exam often plays a critical role in determining your policy’s coverage and cost. However, there are several lesser-known facts about these exams that your life insurance agent or broker might not readily share with you. By understanding these nuances, you can avoid unnecessary stress and empower yourself to make informed decisions.

What Is a Paramedical Exam?

A paramedical exam is a medical evaluation required by most life insurance companies to assess your health. This exam typically includes:

• Blood and urine tests

• Measurement of height, weight, and blood pressure

• A review of your medical history

The results of this exam help insurers calculate your risk profile and determine your premium rates.

The Truth About Using Existing Paramedical Exams

Did you know you don’t always need to take a new paramedical exam when shopping for life insurance? Here’s the inside scoop:

1. Reuse Your Existing Exam Results: If you’ve already undergone a paramedical exam for a previous policy application, you can request those results directly from the insurance company. Most exam results are valid for 6 to 12 months, depending on the insurer.

2. Avoid Agent or Broker Pressure: Some agents or brokers may encourage you to retake the exam unnecessarily to lock you into a specific policy. Remember, you’re not obligated to redo the process if your recent exam results are available and meet the insurer’s requirements.

3. Widen Your Choices: By reusing your exam results, you’re free to explore multiple insurance providers without the hassle of undergoing multiple tests. This can help you compare options and choose the best policy without limitations.

Why Agents and Brokers Might Not Tell You

Many agents and brokers are focused on closing sales rather than empowering you with knowledge. Here’s why they might withhold this information:

• Commission Priorities: Agents may want to steer you toward specific policies that benefit their commissions rather than your needs.

• Lack of Transparency: Some brokers may not prioritize transparency, leaving you unaware of your right to request existing exam results.

The Power of LifeInsuranceReview.com (LIR)

When it comes to finding the best policy or reviewing your existing one, you need a trusted ally like LifeInsuranceReview.com. Here’s why:

1. Empowerment Through Knowledge: LIR helps you explore, compare, and verify your life insurance options without pressure.

2. Comprehensive Policy Reviews: If you already have a policy, LIR’s experts can identify areas for improvement or ensure you’re getting the most value.

3. Objective Guidance: Unlike traditional agents, LIR’s team prioritizes your best interests by offering unbiased insights.

How to Take Control of Your Life Insurance Journey

• Request Your Exam Results: Contact the insurer that conducted your paramedical exam and ask for your results. This is your legal right, and it ensures you have the flexibility to shop around.

• Do Your Research: Use trusted resources like LIR to compare policies and avoid high-pressure sales tactics.

• Consider Your Long-Term Needs: Ensure the policy you choose aligns with your financial goals and provides adequate living benefits if applicable.

What You Don't Know - FAQs About Paramedical Exams:

1. Do I need a paramedical exam for all life insurance policies? No, some policies, like simplified issue or guaranteed issue, do not require a paramedical exam.

2. How long are paramedical exam results valid? Most results are valid for 6 to 12 months, depending on the insurer’s guidelines.

3. Can I reuse my paramedical exam results with another insurer? Yes, you can request your results from the insurer that conducted the exam and share them with other companies.

4. What should I do to prepare for a paramedical exam? Avoid caffeine, alcohol, and heavy meals before the exam. Stay hydrated and get a good night’s sleep.

5. Can I request a copy of my paramedical exam results? Absolutely. You have the right to access your exam results directly from the insurance company.

6. What happens if my exam results are unfavorable? You can work on improving your health and reapply later. Alternatively, consult with LifeInsuranceReview.com to explore your options.

7. Do I have to take a paramedical exam if I’m renewing a policy? Not always. Check with your insurer, as some renewals do not require a new exam.

Final Thoughts

The paramedical exam is just one piece of the life insurance puzzle, but understanding its role and your rights can save you time, money, and frustration. Don’t let agents or brokers limit your choices. Instead, leverage services like LifeInsuranceReview.com to take charge of your financial future.

By staying informed and proactive, you’ll be well-equipped to secure a life insurance policy that truly meets your needs.