A paramedical exam is a physical exam, arranged by your insurer and performed by a medical professional, that includes taking blood and urine samples. It takes approximately 30 minutes, and there’s no cost to you. Whether or not you need one is determined by your answers on the SOH form, your age, and the amount of insurance you’re requesting. A MetLife approved vendor will contact you by phone, e-mail, or U.S. mail for an appointment, if necessary. You may also initiate scheduling your paramedical exam online, if that’s where you completed the SOH.