Blood Tests for Life Insurance

Status
Not open for further replies.
T

Toxic007

New member
Need some advice from those of you with knowledge on blood tests....

The company I work for wants to take out a Life insurance Policy on me, in case of... something unfortunate.... part of this benefit is I (actually my spouse) gets an equal amount of a Life Insurance policy on me as well.... so I obviously want to get this.

Problem is I'm half way (6 weeks) through a Cycle of the following:

Wk1-12 GP SUst270 (810/wk)
Wk 1-4 GP DBol (50 mg/day)
Wk 10-14 GP Anavar (50 mg/day)

I'm through the Dbols, and the Sustanon (sust) is starting to work real nice now! My questions for you.....

1. How do I get my blood work back on track? Besides merely dropping the cycle, is there something else I can do to expedite the process? I have all intentions of dropping my cycle because of this....
2. How long will it take roughly?
3. Does anyone else think that this fucking blows....lol?

It's a 1 Mil Life Insurance Policy on equal terms for the company and my spouse... so blood work for the medical is going to be fairly extensive....I've already been warned that they do a Full Profile.... and not doing this, is NOT an option! Those of you with families can easily understand why!

I might be able to put it off for a while, like till 6 weeks after my cycle....but will that be enough time for blood work to re-bound????

You guys get the idea of what I'm asking... I appreciate any help or advice....
 
damn bro-ya that blows-6 weeks after your cycle should put your test levels below normal range-but who knows.
 
Yes, that does blow. If you are willing to spend the extra money, Chip from the HRT board can hook you up with "off the books" blood work. At least then, you'd have an idea of where you stand in 4-5 weeks.

poly
 
Another thought: If you still aren't within reasonable limits, find an excuse to get a prescription for prednisone, and don't take it. Then you can say "But My doc recently gave me this, and I read that it can mess up your blood work". You then bat your eyes innocently.

poly
 
first of all, to my knowledge a full profile does not include testosterone levels, nor does it check for steroids so you dont need to worry about that.

However, you could have elevated liver values, screwed up cholesterol values, high blood pressure, and if you have any size to you youll probably be considered obese too because its all based on BMI. Theyre looking for any reason to jack your premium and any one of these is a good one.

Cholesterol and liver values take time to normalize, sometimes many months. Blood pressure would return to normal a few weeks after you stopped the cycle. Not much you can do about BMI if youre a bodybuilder.
 
ya sounds to me that they just want to know the inherent risk of insuring you. It may or may not be something to worry about if your company is paying the premiums. Good luck
 
Another option is you could buy a 500k policy which would be much less invasive as far as your medical history is concerned, then you could add another 500k policy a few months down the road saying you decided you need more coverage.
 
Much appreacite the advice guys.

I'm thinking Stone may be right about the drugs doing a cleanse on the blood work. Although I do appreciate the input.

I went to see my fam doctor today... was completely up front with him about the situation, and he suggested dropping the cycle for the time being, until my blood work comes out clean. He's going to run my blood work for me this week to see where I am right now at this point in the game.... then he said he could make some educated opinions on how long it may take to "normalize".

He did throw around the idea of purchasing a lesser policy, but he said regardless, a life insurance policy will def pick up on your liver enzymes levels and ratios and they should be way off.... along with cholesterol.... which in some cases they may deny you insurance all together.....

I may be able to put it off for 3 months, as I'm travelling quit a bit in June and July now.... the doc figures that may be sufficient time to normalize, but can't say for sure as he don't know my current levels, and everyone seems to be different.

This is something I'll be watching for the next 12 weeks real closely.... I'll keep it updated for sure.

If anybody on this forum has watched thier blood work real close after a cycle, please post your results. I wouldn't mind knowing how long it took for you to "normalize" again...lol!

Thanks again guys!
 
one thing i think we are confused about is i dont think they are drug testing him-merely giving him a blood test to see if he is a healthy individual.

so i know that his test will be through the roof if he doesnt stop soon enough-but i dont know if their would be any other issues unless he was taking winstrol or something due to it fucking up his cholesterol...............right? or wrong?
 
as long as you didnt take the Anavar (var) you shouldnt be in too bad of shape.
 
Hello...I can tell you this about the underwriting process of a life insurance company. They will not test for tesosterone or other hormones inside your body from test.

They will however pick up on some of the sides of the juice. You will have liver function that is all messed up. The normal value is 70 and you will come out much further ahead of that so that will knock you out of the best rate class. Also they will piss test you for diabetes, illicit drugs, medication you have not revealed to them like Blood pressure medicine. THE BIGGEST THING FOR THIS TEST IS TO SEE IF YOU LIE ABOUT NICOTINE.

They will take your BP which I have never seen BP go up so crazy from juice that it could be a red flag. They will check LDL and HDL cholesterol to make sure you are not at risk of a heart attack.

They take all this info and then put you on the actuary model to see what rate class you and in. Preferred best, preferred, standard, or rated on a rating table. If you have a good Height and Weight you should be fine.

It is my understanding you will not be paying the premium on this policy anyways as it sounds like Key Man insurance for your company. If you are not paying the premium who cares if you get rated? (not that you will by the way)

Also be careful talking to your doctor about aas. If he adds a note to your medical records that will stick with you for life. (If they review his notes)

Don't worry about the policy if it what I think it is the premium on a 1 million dollar 20 year level term policy with the hartford is like 77-56 bucks a month on a 30 year old healthy dude.

If worst comes to worst go and by a bottle of havoc or epistane and tell them that is what you are on. Or see if you can find a bottle of epio-plex online from diabolic labs. That shit had enough juice in it to make you glow so the insurance company will bite for sure on that.

That will elevate your values on your liver and knock all suspicion away from you.

Good luck and don't sweat it!

(I sell securities for a living)
 
LOL... Everywhere you go on this site, there is always someone with the answers... I'm lovin this OLOGY site..LOL.....

My fam doc... I'm not too worried aboutposting to my record. He was aware of my AAS usage prior to this, and has tested me in the past to ensure blood levels. He knows I'm gonna do it and is just willing to help when or where he can for "monitoring"... he's kinda good that way!

Truushot... ur right, it is key man insurance, and I will not be paying the premiums for either policy. And ur right... 1 Mil, 25 years @ 58/ mo.... fuck he's good eh? LOL!

There's also a Critical Assist policy for 1/2 a mil..... which are a bit more stringent I'm told, and the premium rates are a whole lot more....

Doc said the Test levels shouldn't be an issue during the exams of the tests, but the he would be more concerned with the Liver values and the cholesterol....\

TRUUSHOT... u've been on point with the assumptions so far... quick question... if I get rated, usually how much does that jack up the premiums? On an average....
 
Generally, the younger and healthier you are, the lower the premium (cost). However, the cost varies depending on your age, medical condition, the amount of coverage, the number of illnesses covered by the policy, and the insurance company.

Ok real real quick are you in Canada? Because for the most part critical assist or critical illness policies are most likely sold in the UK and Canada. Basically they are like a lifetime access rider in the united states. That means if you get sick, or can't do 2 of 6 daily tasks you have access to your death benefit at a set rate per month. It is an alternative to long term care insurance because people roll their life insurance into it. It is however another option not even close to the same thing.

The rates will be much more expensive because this insurance is wayyyy more likely to pay out. What I mean is it is a permanent policy that pays no matter what age you are versus the 25 year term that only pays if you die in the next 25 years. I can't give you a number but for 500k it should be over 150-300bucks per month depending on your age.

I would never buy this product by the way if I was not fully funding my retirement. I would tell you that if you are healthy then invest the money and you will have the same assets and probably much more in distant future with access to the principle.

Now if your company is going to pay for it that is a different story. I said I would never buy it I did not say I would not let my company pay for it lol!

If you get rated from table 2-8 the rates will be way higher or they will take the death benefit down to match the premium you are paying. You can count on your rates doubleing if you get rated in table 2. It is like you are a tobacco user really. Higher than table 2 which you won't get it will be much higher.

Sorry to be vague not many people get rated past table 2 so I don't deal with it all that often. If you go past that yoj sometimes are not going to be able to afford it so it is not suitable for people buying the insurance.
 
Im in canada, and my company is eating the cost for my critical assisst policy as well. ... its runnin them about 144/mo. If I get diagnosis with any of the 25 ailments listed on my policy, its upfront immediate payment of the policy i think. ie... cancer diagnosis gives me access to my critical assisst monies.... this is a separate policy from my life insurance. My company almost fully funds my retirement (RPP, and RRSP).... so i dont mind taking these benefits when they arise.... lol!

I dont smoke, I drink twice a year (Xmas party and birthday lol)....and outside that... I started using AAS a little over a year ago.... this is only my second cycle. I'm not over weight. I used to be a marathoner for the past 7 years roughly.... and swam varsity in university.... I just wanna make sure I'm get this coverage! Especially when its free eh!

I was just curious to pick ur brain dude... thanks for the insight and the info. Much Appreciated!
 
Status
Not open for further replies.

Similar threads

T
stacking cycle advice and lower back specific exercises.
Replies
9
Views
1K
Milton
Milton
J
8 months of no testosterone or any kind of anabolic steroids. My Testosterone levels are high. 870 with free testosterone at 24.6. LH is <0.07
Replies
1
Views
794
Dreaded Pirate Roberts
Dreaded Pirate Roberts
R
Test / Deca Cycle - Need Advice
Replies
1
Views
1K
hammer2204
hammer2204
R
Please help with MID CYCLE BLOODwork and suggestions thank you!
Replies
14
Views
4K
UOSteven
U
B
Need some opinions after first Cycle of Test
Replies
2
Views
2K
casanovaaa
casanovaaa
Back
Top