Why a paramed exam?

Their function is to provide life insurance companies with the necessary information to underwrite your policy based upon your medical profile at the time of exam. An appointment is made with Portamedic, a nationally recognized examination company independently contracted with all major life insurance companies.

What can I expect and how long will it take?

A paramedical exam consists of some questions about your medical history, measurements of your height and weight, blood pressure and pulse. A urine specimen is also collected. Undressing is not required and the exam usually lasts 20 to 30 minutes. Your application for insurance is not complete until we have obtained this necessary information.

Why will a urine specimen be collected?

A urine specimen will always be collected during a paramedical exam. The tests done are determined by the insurance company and are performed by a laboratory. The test results will be sent only to the insurance company and are used in the underwriting process.

What happens to this information?

All of the information obtained during the paramedical examination is strictly confidential and for insurance purposes only. It will be forwarded to the insurance company for review to help evaluate your individual policy.

Why is blood testing required?

Blood testing has been found to provide important information for underwriting purposes. A wide range of tests are completed by a laboratory and the results are sent only to the insurance company.

How much blood is required?

Less than one ounce of blood is drawn from a vein, into 1-3 vials, by experienced personnel. You may be required to fast 4-12 hours depending upon the requirements of the insurance company. You should advise your examiner if you have had previous problems such as fainting, nausea, are currently taking large doses of aspirin, have difficulty clotting or bruise easily.

Can I get an infectious disease from this blood draw?

No. The sterile materials used are in disposable kits and used only once. The examiner will open the kit in front of you as well as show you the seal being broken on the sterile needle.

What tests will be completed?

Each individual insurance company selects the tests they need for the underwriting procedure. Portamedic is requested only to collect and prepare blood for analysis; the insurance company gives instructions to the lab regarding specific tests. You are required to sign a consent form and a chain of custody form for your own protection.

Who will receive the results of my test?

The lab sends the results directly to the insurance company. Once a policy is issued, you will have an opportunity to have the results sent directly to you.