Medical Exam Info
MEDICAL EXAM
Once you have applied for life insurance or disability insurance, which you can do this either online or over the phone with one of our Insurance Professionals. We strongly recommend speaking to us to discuss and confirm your goals match up with the correct choice of coverage and the right carrier.
After the application process there are a few steps.
Their function is to provide insurance coverage providers 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 insurance coverage providers.
A paramedical examination includes some questions about your history, dimensions of your height and weight, hypertension level and pulse. A pee sample is also gathered. Undressing is not required and the examination usually continues 20 to 30 minutes. Your application for insurance is not complete until we have obtained this necessary information.
A pee sample will always be gathered during a paramedical examination. The assessments done are identified by the plan provider and are conducted by a clinical. The analyze results will be sent only to the plan provider and are used in the underwriting process.
All of the details obtained during the paramedical evaluation is totally private and for insurance coverage requirements only. It will be sent to the plan provider for review to help assess your individual policy.
Blood examining has been found to provide important info for underwriting requirements. A variety of assessments are completed by a clinical and the results are sent only to the plan provider.
Less than one ounce of blood vessels is drawn from a line of thinking, into 1-3 vials, by experienced employees. You may be needed to fast 4-12 hours depending upon the requirements of the plan provider. You should advise your examiner if you have had previous problems such as passing out, feeling sick, are currently taking large amounts of pain killers, have difficulty clots or bruise easily.
No. The clean materials used are in non reusable packages and used only once. The examiner will open the kit in front of you as well as show you the closure being damaged on the clean hook.
Each individual insurance coverage provider chooses the assessments they need for the underwriting process. Portamedic is asked for only to gather and get ready blood vessels for analysis; the plan provider gives guidelines to the lab regarding specific assessments. You are required to sign a approval type and a sequence of legal care type for your own protection.
The lab delivers the outcomes straight to the plan provider. Once a policy is released, you will have an opportunity to have the outcomes sent straight to you.
Once you have applied for life insurance or disability insurance, which you can do this either online or over the phone with one of our Insurance Professionals. We strongly recommend speaking to us to discuss and confirm your goals match up with the correct choice of coverage and the right carrier.