Next, most insurers will require a paramedic exam. During this exam, a paramedic or nurse will likely review your medical history and you should have your medical providers’ information available. At a minimum, he or she will take your height, weight, blood pressure and pulse. You will also have to provide a blood and urine sample.
The insurer might require more tests, depending on your age, health condition and amount of coverage you’re looking to obtain. For example, older applicants, or those with a history of heart conditions, might have to take an electrocardiogram (EKG) or treadmill test. Insurers provide the exams and tests at their expense.
These tests help the insurer evaluate your health and price your policy appropriately. Once your application and exams are completed, all information goes to the insurer’s underwriting department. The underwriter determines whether the insurer should offer or deny coverage, ask for additional information. The underwriter also determines the rate the insured should pay.