Key takeaway
A life insurance medical exam in Canada typically includes height, weight, blood pressure, and pulse check, plus blood and urine samples. The exam is done by a paramedical technician at your home or office and usually takes 15–30 minutes. Fasting and avoiding alcohol and caffeine beforehand can help ensure accurate results.
What the paramedical exam includes
A licensed paramedical technician will measure your height and weight, take your blood pressure and pulse, and collect a blood sample and sometimes a urine sample. The blood sample is used to check cholesterol, blood sugar, liver and kidney function, and sometimes nicotine or drug use. The urine sample may screen for protein, sugar, or other indicators.
The technician does not perform a full physical exam or diagnose conditions. They record measurements and send the samples to a lab. The insurer uses the results, along with your application and possibly your medical records, to assess risk and set your premium.
Where and when the exam happens
Exams are usually done at your home or office at a time you choose. The insurer arranges the appointment through a paramedical service. You typically have a window (e.g., 30 days) to complete the exam after applying.
The entire visit often takes 15–30 minutes. There is no cost to you — the insurer pays. If you miss the appointment, the insurer may extend the deadline or withdraw the application; respond promptly to scheduling requests.
How to prepare for accurate results
Many insurers ask you to fast for 8–12 hours before the exam so that blood sugar and cholesterol readings are accurate. Avoid alcohol and caffeine for 24 hours before, and get a good night's sleep. Stay hydrated unless told otherwise.
If you take medications, take them as prescribed unless your doctor says otherwise. Do not skip or change doses to "look better" — the insurer may request medical records, and inconsistency can delay or complicate underwriting.
What if I have abnormal results?
Abnormal results do not automatically mean decline or huge rate increases. Insurers consider context: for example, slightly elevated cholesterol with a family history and a healthy lifestyle may still qualify for standard rates. The insurer may ask for a follow-up test or your doctor's records.
If you know you have a condition (e.g., diabetes, hypertension), disclose it on the application and have your doctor's contact information ready. Underwriters often prefer to see controlled, well-documented conditions rather than surprises in the lab work.
Frequently asked questions
Can I skip the medical exam and still get life insurance?
Yes. Simplified issue and no-medical policies use only a health questionnaire and sometimes prescription or database checks. Coverage limits may be lower and premiums higher than fully underwritten policies, but no exam is required.
How long does it take to get results after the exam?
Lab results are usually available to the insurer within one to two weeks. The insurer then completes underwriting and may request additional information. Total time from exam to offer can be two to six weeks depending on the case.
Will the exam affect my health or life insurance elsewhere?
The exam is for underwriting only. Results are confidential between you and the insurer. They do not go on a shared "record" that other insurers see, though if you apply elsewhere, that insurer may request its own exam or your consent to obtain the previous results.