In this case, the Alberta College of Paramedics (the «College»)
required that paramedical technicians answer, on a registration renewal form for 2016, various questions regarding recent criminal activity, treatment or counselling for physical or mental health conditions, and drug and alcohol addiction.
A paramedical technician and her labour union, the Health Sciences Association of Alberta (the «Union»), sought a court declaration that the College acted ultra vires its authority when
it required paramedical technicians to complete the form.
(Note that not all policies will
require a paramedical exam.)
This plan
requires no paramedical exam and may be cheaper than going with a simplified issue plan if you have serious health issues.
Premiums are based on factors such as your age, gender, vocation, and / or medical history; some policies also
require a paramedical examination.
Traditional life insurance
requires a paramedical exam; because the insurer has a better idea of your health, they're able to provide a much more accurate quote for your premiums, and this often comes at a cheaper price than final expense insurance.
Although most policies
require a paramedical exam as part of the life insurance application process, the testing (which centers around height, weight, blood pressure, and basic blood and urine testing) might not detect when people are lying about certain medical conditions or substance use.
Not exact matches
In rare cases, a
paramedical exam is
required to verify information received during underwriting.
By traditional methods, we're referring to life insurance policies that
require full medical exams (
paramedical exams) and lack living benefits.
A
paramedical exam is a short health exam that is frequently
required as part of an application for life insurance.
An applicant for life insurance coverage will typically be
required to undergo a
paramedical exam.
Applicants — especially those who are in the older age categories — will typically be
required to undergo a
paramedical exam.
It is a life insurance policy that does not
require you to take the
paramedical exam.
If the insurance company
requires a medical exam (and most do), a contractor known as a
paramedical professional will contact you to schedule the exam.
Paramedical Exam / Paramed Exam: A brief physical examination the insurer typically
requires of applicants during the underwriting process.
Prior to a policy decision being made, you may be
required to take a
paramedical exam.
Since you do not have to schedule a
paramedical exam, wait for the diagnostic results, potentially
require more information from your doctor, or
require more tests, then a simplified issue life insurance policy makes sense in many cases.
With that in mind, as the name implies, a no exam life insurance policy will not
require you to undergo the
paramedical examination — which means that you won't have to worry about rolling up your sleeve, turning your head, and feeling woozy afterward.
When you apply for life insurance, you are often
required to have a
paramedical examination, which is paid for by the insurance company.
In order to obtain a policy, most providers will
require a «mini-physical» exam also called a «
paramedical exam».
Therefore, the lowest rates on life insurance usually
require a brief medical exam, also known as a
paramedical exam, or paramed, for short.
A
paramedical exam is a carrier -
required short health exam performed at the applicant's convenience.
Depending on your health history, your age and the amount of insurance applied for, you may also be
required to take a
paramedical exam.
Testing occurs during the standard
paramedical exam
required during underwriting.
The health questionnaire can be filled out at your convenience, and because you don't need to set up a
paramedical exam, not all insurers will
require you to speak to an underwriter.
During your
paramedical exam, you'll give a blood sample, and a urine sample is sometimes
required, too.
Unlike traditional life insurance policies, which
require an investigation into your health — including a
paramedical exam — guaranteed policies don't
require such in - depth research and applicants will often be insured after answering only a few questions.
When they are
required, a
paramedical exam is simply the exam you take to get approved for a life insurance policy.
In order to obtain any life insurance policy, a «mini-physical» exam also known as a «
paramedical exam» is
required.
A face - to - face
paramedical examination is generally
required for policies in excess of $ 100,000, which means, at minimum, giving both blood and urine samples to a
paramedical professional.
Besides, most life insurance companies
require a medical exam and a
paramedical examiner in not going to go into a prison to take the necessary samples.
Most insurance carriers
require you to take a
paramedical exam that they pay for and send the
paramedical examiner to your home or office to perform the exam and ask some health questions.
With a traditional plan, the insurance company is going to
require that you take a
paramedical exam.
Because of this, the
paramedical examination that is
required for a medically underwritten life insurance policy may be too uncomfortable for them — and therefore, in certain instances, may even force some people to go without life insurance coverage.
There is no
paramedical exam
required.
Typically, when applying for most types of life insurance, an applicant will be
required to meet with a
paramedical professional (or «paramed»).
An EKG is not always
required as part of a
paramedical exam and shows up more for older clients or clients seeking high death benefit amounts.
Due to the fact that many final expense life insurance policies do not
require a medical examination, there is no need to meet with a
paramedical professional and provide a blood sample.
Most life insurance carriers
require the applicant to take a
paramedical exam, which takes about 15 minutes.
A
paramedical exam is
required to apply for any policy of $ 100,000 or more.
A
paramedical exam is
required to apply for all policies.
If you have a fear of needles and you do not wish to participate in the
paramedical exam that is
required for most types of qualification, this would also be a good plan.
A
paramedical exam is
required to apply for any policy.
A
paramedical exam is not
required to apply for a policy of $ 25,000 — $ 99,999.
There are no medical questions asked on the application and there is no
paramedical exam
required.
Next, the applicant will then be
required to take a life insurance
paramedical exam.
With fully underwritten policies you will be
required to submit to a
paramedical exam including a blood draw and urine sample, answer health questions, and possibly submit attending physician statements.
Furthermore, a
paramedical exam may be
required to increase the death benefit.