A paramedical exam is a focused medical evaluation performed on life insurance applicants to collect health information needed for underwriting. Typically conducted by a nurse or trained technician, the exam may include height, weight, blood pressure, pulse, detailed medical history questions, and collection of blood and urine samples. For larger face amounts or older ages, additional tests such as electrocardiograms or cognitive screenings may be required. Paramedical exams are usually shorter and less invasive than full physicals, but they provide critical objective data, including lab values and vital signs, that carriers use to measure mortality risk and assign appropriate rate classes.

In day-to-day practice, advisors schedule paramedical exams soon after applications are submitted, coordinating with paramed vendors and clients to find convenient times and locations. They coach clients on best practices, such as avoiding heavy exercise, salty foods, or alcohol immediately before the exam and taking medications as prescribed. Well-prepared applicants often see more accurate and favorable readings, particularly for blood pressure and lab panels. When exam results reveal unexpected issues, such as elevated liver enzymes or uncontrolled glucose, underwriters may request further physician records or adjust offers. Advisors must then explain findings and possible next steps, which can include postponement or reconsideration after treatment. Accelerated underwriting programs sometimes waive paramedical exams for select applicants, but traditional exams remain common for larger or more complex cases. By understanding paramedical exams thoroughly, producers can reduce client anxiety, improve data quality, and support smoother, more predictable underwriting outcomes.