Blood and urine tests for life insurance?

[Bannock]

Got a serious concern here.

My wife and I decided to take out term life insurance policies yesterday. Everything was going great until the end when he mentioned the urinalysis and blood tests taken by the insurance company...

Does anyone have experience as for what they are testing for? I'm not too worried about the urinalysis, but the blood test scares me. I took the last shot of my cycle yesterday morning, (150mg eq, about 300mg sust, 25mg test susp.) I know it looks weird, but I just was using the last of what was left in the vials. I ran Anadrol earlier in the cycle at 50mg a day for a week. The sides were too much for me to handle and I dropped it after 6-7 days.

Does anyone know what they are looking for in the blood tests? I would image they would be checking cholesterol, liver values, etc... Things that would indicate potential heart problems and the like... Would the test my test levels? If they do, when should I schedule the test for? I would much rather have my test values be abnormally low than abnormally high.

I called my insurer and he said he can wait a week to process the paper work, and it'd take another week to underwrite it, and then we'd be looking at the tests. I'm not TOO worried about liver values as my oral usage was short and weeks in the past. So I would be just starting my PCT about the time of the tests.

My wife is a little worried as well as she is into her second week of Anavar, and she likes to have a puff once in a while. Should she drop the Anavar now?

Does anyone know what substances the urinalysis covers? Is it a standard test or an extended one? I would figure it would be a standard, because the company is paying for it and I would imagine they would want to do things as cheaply as possible.

Anyone who has experience with this or works in the industry, please chime in and educate me as to what I should be expecting.

I figure the worst that can happen is that we come back with shitty tests and they want to raise the price, and we tell them that we don't want their insurance... and I get a free post-cycle blood test.

This is driving me nuts, there are too many variables and I'd feel a lot better if anyone knew what they are gonna be looking for.

Any thoughtful input would truly be appreciated.

Thanks,
Bannock

 

[thebrick]

They won't be testing for anabolics or test levels, but they will surely be looking at your blood profile, including your RBC, lipids, liver function, kidney function, etc. If you have been "on" for a while that has the potential to give you a problem.

 

[Kaiser]

They won't be testing for anabolics or test levels, but they will surely be looking at your blood profile, including your RBC, lipids, liver function, kidney function, etc. If you have been "on" for a while that has the potential to give you a problem.

This is not true. Some do check for all foreign substances including gear. That being said, it is impossible for us to tell you if you will pass the test.

 

[Bannock]

Thanks for the reply,

I've been on for about 7.5 weeks. Been eating real clean. Being a vegetarian, I drink lots of fluids, eat a lot of textured vegetable protein, salads, and a mozzarella sandwich from the local italian place once in a while. Other protein and food come from bulkers, protein shakes and Myoplex. I have been watching my carbs and sodium a lot in the last few months. I haven't put on a ton of muscle, but have had some pretty serious recomposition.

Bannock

 

[thebrick]

This is not true. Some do check for all foreign substances including gear. That being said, it is impossible for us to tell you if you will pass the test.

Sorry about that. I had a friend that did this last year and they didn't test for gear but I guess every company is different. They did check for rec drugs though.

 

[Bannock]

This is not true. Some do check for all foreign substances including gear. That being said, it is impossible for us to tell you if you will pass the test.

I'm wondering if there is a difference in the testing protocol between health and life insurance. I could understand that thorough of testing for health insurance, but just for life insurance?

I wonder if being off totally for two weeks at test time, if my test levels would be low enough for me to qualify for HRT programs? I'll be turning 30 in 6 months. If they check for test levels at all that is.

Bannock

 

[Kaiser]

I'm wondering if there is a difference in the testing protocol between health and life insurance. I could understand that thorough of testing for health insurance, but just for life insurance?

I wonder if being off totally for two weeks at test time, if my test levels would be low enough for me to qualify for HRT programs? I'll be turning 30 in 6 months. If they check for test levels at all that is.

Bannock

Your test levels are not going to be the problem. At 250-300/week you could probably skate through just about any drug test without stopping. Your problem is going to be EQ as it will not be out of your system in time. Granted the amount of insurance companies that check for gear are probably still low so your probability would of risk would be low, but as time goes on and the media/government/children using destroys the reputation of what we know how to handle safely, combined with the costs of having gear tested, the more you will find companies testing for these particular chemicals. To think otherwise is just fooling yourself.

 

[Bannock]

Thanks Kaiser. I hope everything goes well. I wonder if it could affect future insurance opportunities if something did pop up? If anyone else has some experience with this, please chime in.

Thanks again,

Bannock

 

[mulbemurphy]

I work as a life insurance agent. There are companies that will allow a non-med application for up to 300,000 of coverage. I have never known of steroids to be a problem with life insurance, however your wife taking a puff now and then is a concern. Pot, she could be denied, cigarettes her premium would usually double in price. Fidelity Life is the co. that does the non-med. You can purchase online and have it issued in as little as 48 hrs. Any recreation drug use and I would not consent to be tested. It will be recorded in your MIB report and could cause problems in the future. I always try to find ways around having my clients go thru medicals, companies look hard for reasons to increase premiums. You can also use a couple different companies to get at the face amount you want. There is no sin is having several life insurance policies. Hope this info helps.

 

[Bannock]

I work as a life insurance agent. There are companies that will allow a non-med application for up to 300,000 of coverage. I have never known of steroids to be a problem with life insurance, however your wife taking a puff now and then is a concern. Pot, she could be denied, cigarettes her premium would usually double in price. Fidelity Life is the co. that does the non-med. You can purchase online and have it issued in as little as 48 hrs. Any recreation drug use and I would not consent to be tested. It will be recorded in your MIB report and could cause problems in the future. I always try to find ways around having my clients go thru medicals, companies look hard for reasons to increase premiums. You can also use a couple different companies to get at the face amount you want. There is no sin is having several life insurance policies. Hope this info helps.

Thank you very much, the policies are only 200k and are being set up through our financial adviser. We were straight up with him about potential rec use and he told us very frankly to tell the person who'll call for the tests that we are busy and need to wait till next week. We have at least a two week head start on the test, so my wife will be fine on the THC end of things. It's the benzo's that worry me... I wonder how extensive their drug tests are. Any idea?

Thanks again,

Bannock

PS Should the Mrs stop taking her Anavar as well?

 

[Dr.S]

Bannock--check your PM's bro