What Is A Life Insurance Physical Exam? 
A life insurance physical exam is also known as a paramed exam . This is an underwriters opportunity to take a snap shot of an applicant 's current health . A nurse or paramed examiner will come to you and take a health history and perform a few tests . Some of the most common include height , weight , blood pressure , urinalysis , blood draw , mouth swab and pulse . Depending on age and amount of insurance they can require more testing such as an EKG . The paramed examiner submits the report and findings to the underwriter to compare to medical history and doctors records . You will find with underwritten life insurance plans this is a very common practice and is paid for with your normal life insurance premiums . Therefore there is no out of pocket charge for applying . 