When applying for life insurance, you likely noticed that the best, most affordable policies require you to submit to a medical exam. Options that don’t need these exams have higher premiums with lower payouts. So getting paramedical exams for life insurance in Houston, TX, improves your application process.
But how do you prepare for one? And what about all that stress that the invasive process causes? At Medical Profiles Inc., we hope to shed some light and make paramedical exams a little more predictable for you.
What Is a Paramedical Exam?
Many people liken a paramedical exam to going for an annual doctor’s visit. A paramedical exam’s results will go to the life insurance companies you applied to. These exams probe into your medical history, current health status, pertinent health conditions, and lifestyle.
The results of a paramedical exam will determine whether or not a company accepts your life insurance application. While the process seems intrusive and uncomfortable, a compassionate medical professional will ensure you understand every step.
How Does a Paramedical Exam Improve Your Application Process?
When you submit to a paramedical exam, you show honesty and transparency to the insurance companies. They can easily access all the necessary details about your health. They will then determine how your candidacy fits into their policy options.
Most traditional or underwritten policies provide the best coverage with the lowest premiums. Such policies will usually require a paramedical exam at some point.
By pre-scheduling a paramedical exam with a qualified provider, you avoid waiting for responses by taking matters into your own hands. Doing so can alleviate some of the stress associated with this process.
How to Prepare for a Paramedical Exam
When you arrive at your appointment, you want to present the healthiest version of yourself possible. By using the following tips, you can make even minor improvements to your health quickly while providing an accurate representation of your condition:
- Provide documentation about your medications and health history upon request.
- Avoid substances such as caffeine, alcohol, or tobacco at least 24 hours before your appointment.
- Avoid exercising at least 12 hours prior to your appointment.
- Provide contact information for all your current doctors.
- Get eight hours of sleep the night before your appointment.
- If you get stressed on the day of the exam, ask to reschedule it for another time.
While these short-term investments make a difference, you can implement the following long-term ones to improve your future options:
- Cut down on or quit substance use.
- Consume a balanced, healthy diet each day.
- Exercise daily.
- Practice sleep hygiene to get consistent rest.
- Visit healthcare providers regularly to tweak your routine as needed.
What Happens During a Paramedical Exam?
What happens during paramedical exams for life insurance in Houston, TX? Most exams consist of two parts: a health history screening and a physical examination.
During the health history screening, you’ll answer questions about your family’s health, any psychiatric and physical conditions, and any hospital stays you’ve endured. You’ll also provide details about your lifestyle and habits.
During the physical examination, the doctor will take notes about your height, weight, temperature, and blood pressure. You may also provide samples of blood, urine, or saliva. In addition, some exams require a fitness test with a treadmill.
Discover Paramedical Exams for Life Insurance in Houston, TX
At Medical Profiles Inc., we use a simplified process that reduces the stress and discomfort often associated with paramedical exams for life insurance in Houston, TX. You’ll access convenient options like mobile screening, short wait times, and comprehensive evaluations.
Call us at (832) 251-3926 to simplify your application process with our professional services.
