It depends on the amount of insurance applied for and age of applicant. In most cases a paramedic would do height, weight, blood pressure, and blood and urine. If the size of the policy warrant it, they may do a stress test, but this is not the average. The examiner would also do a medical history.
Life insurance exams can be quite extensive or simple. The requirements vary on your age, amount of coverage, overall health and information in your MIB records and data available in Intelliscripts.
Sometimes your doctors records are requested in addition to a physical exam. The exam may be done by a paramedical firm or a regular physician (other than your own).
A life insurance medical exam usually consists of taking a blood and urine sample, blood pressure reading, pulse, weight, height, and answering health questions. The health questions may be the same ones you filled out on your application, but this is a way for the life insurance to double check your responses to be sure they are getting accurate information. Some life insurance exams will add on an EKG, memory test, or other requirements, depending on your age and the face amount for which you are applying.
Insurance Adviser - Broker, SC Insurance Services, Oahu, Hawaii
Medical exams for life insurance underwriting will have different requirements depending on the age of the insured, the amount of coverage applied for, and the type of policy. There are Guaranteed acceptance policies that don't require an exam at all. Usually they have some medical questions and the max coverage is low. Typically for up to a few hundred thousand dollars of coverage the requirement is just a small blood draw and urine sample along with blood pressure readings and medical questions. Larger benefit amounts may require an EKG etc.
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Sometimes your doctors records are requested in addition to a physical exam. The exam may be done by a paramedical firm or a regular physician (other than your own).