MetLife Ventilation Hood Aug-07 User Manual

Types of Exams

(All examinations include a urine specimen.)

• Simple Paramedical (SPM)—A limited exam to collect physical

measurements and blood/urine specimens.

• Full Paramedical (PM)— A full exam collecting full health histories,

blood/urine specimens, physical measurements and EKG if needed.

• MD Exam (MD)—A full exam performed by a medical doctor (MD or

DO) who will collect full health histories, blood/urine specimens, physical
measurements and perform EKG or TMT if needed. (Board Certified
Internist or Cardiologist required for TMT.)

General Exam Procedures

Prepare your clients for the exam by advising them of the following:
• A valid picture ID as proof of identity will need to be shown to the examiner.
• For optimum specimen results clients should fast for 8-12 hours before

their appointment for a full blood specimen.

Remind clients to also have available:
• Names and addresses of any physicians who have attended them, includ-

ing their primary care physicians.

• Names of any prescriptions, over-the-counter drugs and herbal remedies

they are taking.

Notes to Table

1 Ages 0 through 14 are non-medical.

2 Ages 15 through 17 are non-medical up to $1,000,000 inclusive.

3 All urine specimens obtained without a full blood specimen will be tested

for HIV where permitted by law. HIV testing is routinely required at ages
18 and older when the total amount in force and applied for within 12
months is $50,001 in the following jurisdictions: DC, DE, FL, GA, MD,
NJ, NY, PR, SC and USVI.

4 An EKG should be ordered in lieu of a treadmill test (TMT) on proposed

insureds known to have coronary risk factors (history of myocardial
infarction, angina pectoris or coronary insufficiency).

5 Blood testing minimum for MICC/MLAC products continue to be rou-

tinely required at $50,000.

Survivorship Policies—Blood and urine specimens are required for both
insureds. The remaining requirements will be ordered on each proposed
insured based on

⁄

the total policy amount.

Ages

15–17

18–40

41–50

51–60

61 and over

Up to $99,999

Non-Medical

3,5

Non-Medical

3,5

Simple Paramed

3,5

Simple Paramed

3,5

Urine Specimen

$100,000

Non-Medical

Simple Paramed

Paramed

Paramed + EKG

Blood with

$249,999

Urine Specimen

$250,000

Non-Medical

Simple Paramed

Paramed

Paramed + EKG

Blood with

$999,999

Urine Specimen

$1,000,000

Paramed

Paramed + EKG

MD Exam + EKG

Blood with

$2,500,000

Urine Specimen

$2,500,001

Paramed

MD Exam + EKG

Blood with

$5,000,000

Urine Specimen

$5,000,001

Paramed + EKG

MD Exam + EKG

MD Exam

Blood with

EKG

(Ages 61–75)

$10,000,000

Urine Specimen

TMT

(Ages 76 & over)

Blood with

Urine Specimen

Over

MD Exam + EKG

MD Exam + TMT

$10,000,000

Blood with

Urine Specimen

MEDICAL UNDERWRITING REQUIREMENTS