Paramedical Underwritten life Insurance in Canada

Best Rates: Paramedical Underwritten Life Insurance

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For many People, a full paramedical will not be needed...

For many, medical questions may be enough. As an example, Manulife has recently changed their applications so based on no per-existing conditions, applicants who are between 18 and 40 would only need to answer a handful of medical questions when applying for life insurance.

For the rest of us, a paramedical is quick and easy, usually consisting of medical questions about past and current health status, lifestyle and habits and a quick check of height, weight, heart rate and blood pressure plus we will need to provide a urine sample. We will also be asked about past illnesses and surgeries, medications currently taken and a list of the doctors we see.

Before your exam be sure to...

Avoid caffeine for a few hours
Avoid alcohol beverages for 8 hours
Do not smoke for one hour
Skip the gym and any strenuous activity for 12 hours
Drink plenty of water

If you are having blood taken...

Wear short sleeves or a shirt with sleeves that can easily roll up
No food for 8-10 hours prior to your appointment unless you suffer from a medical condition that does not allow for fasting

What happens during a paramedical exam for life insurance?

A nurse will come to your home at the appointed time, that is convenient for you, to conduct the tests. The nurse will go through a series of health and lifestyle questions and record your answers. The process may take about 20 minutes to complete. At times, the insurer may ask for a doctors report from your family doctor, if they require more details regarding your health.

This is a quick and easy process that can often take place in your own home, by a health professional, in under 20 minutes and will not require you to disrobe.

Privacy
If the underwriting process uncovers medical issues, your advisor never gets the details. To protect your privacy, the results go only to your doctor and you.

The reality is that the more information the life insurance company has, likely the lower the rates can be. By taking the time to have a paramedical visit, you stand the greatest chance of getting the absolute lowest rates available!