Blood & Urine Sample for Life Insurance?

[n4dmoney]

Hey Guys,

Curious if anyone knows what they test for when they take a blood and urine sample when applying for life insurance?

Will they check for juice?

Any feedback would be appreciated.

Thanks Guys!

 

[dragonfire101]

How big of a policy are you trying to takeout.

smoking, alochol, drug use for smaller policy with a swab inside your mouth

larger they will take blood and check for disease such as HIV and high cholesterol and acess to major reported medical issues such as heart condition, lung disease etc. That are reported to insurance companies.

 

[doug1]

they won't test for juice...but the juice could give elevated live enzymes(orals) and i got recently rejected for cholesterol being too high. don't know if the juice contributed to the higher cholesterol or if it is all the cheeseburgers and fries(lol), probably both. when i say i got rejected it was for increasing from coverage of $750,000 to a cool million.

 

[doug1]

i should probably add for everyone's amusement that when the results came back and my wife said i got rejected, she called me on the phone at work. I must say that it pissed me off for a while. I don't drink alcohol or smoke cigs and my bodyfat was probably around 10%, exercise almost daily, so i basically cussed the insurance company and told them they could kiss my ***. we'll i didn't call them and tell them that, but i sure thought it.

 

[Steak Helmet]

they came back for the second urine test because the first one was so screwed up....

I listed all the vitamins, protein, Super pump, Vitagro, antioxidants, and a host of other things.

I should get my results back soon....they did not ask for a second blood test...so that was good.

 

[n4dmoney]

Just had a little girl so bumping it to 1 million from $500k.

I dropped orals about a week ago when I added in the Tren A and blood draw and urine sample will be in early October so I should be good there.

Thanks for the feedback guys! Much appreciated!