Urine test life insurance policy

Common Questions and Answers about Urine test life insurance policy

urine-test

Avatar m tn In November 2012 I had a one night stand with a 28 year old Japanese women while I was on Vacation. I do not know her status. The condom broke during sex and unprotected vaginal sex happened for about 5 minutes. I was scared so I waited for testing. I tested at exactly the 7 week point during a medical exam for a life insurance policy from American General. I don't know which test were done. The paper they gave said the would either test my blood or body fluids.
408795 tn?1324935675 Coincidentally, that's how I was diagnosed...through a renewal of a life insurance policy blood test in 2008. They declined my policy of $250k with a fixed premium for 10 years because of HCV, but they put me on another plan that increases every year. I had to drop from $250k to $100k in order to afford the premiums. Every February, the premium gets bumped up. And I believe after 2018, the premium will double to put it in the $200 a month range.
Avatar m tn I have to get a life insurance policy on myself.....im a young 29yo.....ok heres my quest......they are gonna take blood and urine tests for ciggartettes and drugs..... will the vics be out of my system already? i am entering day 11.....should i wait longer to get the policy and testing?
Avatar m tn I got tested for HIV for life insurance. What would happen if they detected the HIV virus?
206807 tn?1331936184 Daughter never phones/emails me so I'm more worried about Longterm Assisted Care than a life insurance policy. Pretty sure it is a no right off the bat.
335728 tn?1331414412 for those of you with children, if you get them a whole life insurance policy when they are young, they can maintain that policy when they are older, increase the benefit as their family grows, and they will have life insurance for next to nothing. My dad had a policy on me from birth, I increased the benefit amount when I got married, and now I have a really good policy for only $120 a year. I took out similar policies on each of my children and they will have great coverage as adults.
Avatar f tn I just bought another, large, policy from Met Life - and fully disclosed my EDS and had no problems getting insurance. They make me pay a slightly higher premium, but in no way was I denied. Now that said, I only have EDS Hypermobile Type. If you have the cardiac/vascular form of this disease, that may be a consideration as to why you'd be denied. I have heart and vascular screenings each year for my EDS, even though we know I don't have that form.
Avatar m tn Recently I was hospitalized in India in April and came back to USA in August and applied for life insurance in August 30 and they did blood work and sent me medical blood exam but I don’t see hiv test in it but I was told that life insurance companies always do hiv test before giving policy and now they came back saying my blood pressure and colostrol was high so I need to pay high premium and they also mentioned that there are no major issues other that these two issues.
Avatar n tn Hi, I have made changes to my life insurance policy and they need to come do a physical and blood tests on me. I recentley came off of hydrocodone and am just concerned if it will be picked up on the test. How long does it take to not show up? If anyone has any insight to this its greatly appreciated. Thanks.
3430981 tn?1347435826 Why Buy A Life Insurance Policy and how Much Life Insurance Should A Person Have?
Avatar f tn However my husband and I are considering purchasing a life insurance policy before our little is born to make sure that she is taken care of if something happens. We don't know if it should be on me as mom or him as dad. Also don't know if its a good idea even. Don't know what kind of policy to get either. Anyone thinking about it? Anyone know anything about life insurance? Good idea? Bad idea?
487969 tn?1249313291 I have a blood draw and urine sample tomorrow for my life insurance evaluation. Do I, or don't I take my thyroid medication? Also, I took my xanax for the neck swelling last night and will not do that tonight, but will it still show in tomorrow's urine sample? Do they even test that way?
Avatar f tn Child support is something you get if he is alive, life insurance is for in case he dies. not sure what you mean when you say you want life insurance because child support wouldn't be much? Thats kind of an alarming statement. I dont believe you can get it without his knowing s nd him signing. I also think it would be shady of you to do behind his back. If you are willing to pay the premium I dont see why he wouldn't agree.
Avatar n tn I've had a New York Life policy for about 30 years. At the time the policy was issued, I hda MVP/MR and because of that, I was issued the policy with "smoker's" rates. My internist/cardiologist wrote a letter on my behalf, but I still had to pay smoker's rates. I'm just now thinking of cancelling the policy since the kids are grown.... Good luck with getting the policy and please keep us posted.
Avatar f tn About 15 years ago asked my primary care doctor what is my exercise heart rate limit, I was a runner and in my early 50s, running at a HR in the 150 bpm range. He said: "I'll order a stress test"... I failed the stress test and that resulted in a nuclear stress test, which I also failed. The next step was a catheter hear exam (angiogram) which I declined based on the recommendation of the attending cardiologist...
Avatar m tn Anybody who has obtained SVR have experience getting/trying to get life insurance? Would like to get some but through my work but worry it might be rejected or worse rejected and then reveal it to my employer and possibly loose my job in health care.
Avatar m tn ve been freaking out the past 24 hours because i thought i never got an HIV test and i just went to the DR to get one - my last unprotected sexual experience was 10 years ago in 1999 - i had a few over a 2 year period back then - ive been married to the same woman since - i got my 3rd headcold of the year, have cold sores and stomach issues over the past couple of years so i started to get worried about my immune system being compromised - Then my friend reminded me that i took a very large life
Avatar m tn So we applied and they sent out an outside company to do a health screening ie blood pressure, height, weight, and a urine drug test. She failed the drug test because of a very common over the counter medication in Russia called Corvalol http://en.wikipedia.org/wiki/Corvalol which contains Phenobarbital which is a schedule 4 drug here in the US. But she is covered under the 90 day supply FDA import law.
Avatar n tn I have an upcoming blood test for life insurance. I am not a heavy smoker ( approx. 8-10 cigarettes weekly) How do I rid the nicotine from my system??? I just smoked 3 today???
Avatar n tn Hi -- 18 years ago had possible exposure to HIV thru unprotected sex. Been married & monogamous15 years -- husband recently tested negative for HIV thru life insurance policy testing, but I got 2 ambiguous results (was still granted huge life insurance policy). I have never felt any type of symptom except about 4 yeast infections a year. We have had five children together, the last in 2000, and somehow neither I nor my children were ever tested.
1253246 tn?1332073310 t think you will need to list medical history for medical coverage unless you are also applying for group life insurance through your job. Either way, the insurace company cannot disclose your medical history to your employer. But, if there is a medical history portion for the application it will be a "checky box" thing - you should be truthful.
Avatar f tn you can give them a call since it's been 2 weeks. some clinics have the policy of we'll call you if you test + otherwise assume you are negative but that's not a good policy. be proactive and follow up on this yourself!!
Avatar n tn Failure to show up if called in for a count/urine test is also grounds for immediate dismissal.
Avatar n tn It is very rewarding, but I am having a great deal of trouble getting insurance. I wanted to get an individual policy, high deductible, with the physicians we use in the network. The problem is that I have a benign arrthymia known as PACs (premature atrial contractions). I have been assured by my internist and cariologist that there is no problem, and no treatment is required.
Avatar f tn Yes u will lose your insurance but u might check ur moms policy on pregancy unless u already know they are paying. I was on my dads insurance when I got pregnant the first time amd they dropped me bc pregancy made me an adult.
Avatar f tn only smoking when having a drink a couple of nights a week and applying for a Life Insurance Policy, should I declare that I an or am not a smoker ? I have given up completely recently but not in the last year. Firstly will they check up with my medical records that I tell the nurse I smoke about 20 a week or should I wait for a year to start up a life cover policy? (50% additional cost is alot for an ex-recreational smoker.) Would the policy become void if I have a car accident ?