Blood Tests for Life Insurance

[Truushot]

You will be fine man. They will really be looking for some of the precursors to the diseases that are covered inside the policy. They will be really into cancer and heart disease. This is an awesome benefit for a company to provide. Just curious what do you do that you are so important? (not being a smart ass either) You are obviously a "Key man" for your company.

If you get an offer to go to another company this benefit would be something that I would not trade for a few more dollars considering you will be quite a bit older if you leave and the premium will be much higher.

I am already jealous of you for it!

 

[jacob3]

Yeah it is good i mean doing blood test before life insurance.



________________________
Escondido Personal Training

 

[Toxic007]

I'm an Environmental, Health and Safety Manager for Open Pit Iron Ore Mine.... in North Eastern Canada.

Recently there have been 3 other Iron Ore Mines open up here with 25 km's of this township. i live in a small town of about 15,000 people.... and I'm about 6-8 drive on a dirt road to the nearest f'ing town (larger than a 1000 people...lol)! LOL. I travel quite a bit to keep my sanity....LOL! I bet your not jealous anymore.....LOL!

I grew up here, and moved back here...and I like the isolation to a point... the money is unbeleivable, and as you hear, the benefits are too! Its hard to pass it up, when I get to travel for work so much!

These policies are new benefits for a few of us, and it seems to be a way for the company to keep us working for them and not jump ship with the newly established competition.... its working too ....LOL!

Cheers Dude!

 

[2rude4u]

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.

You should really expand your knowledge before giving faulty advice. Most of what you have stated is true, EXCEPT that many life carriers DO ask about and also test for steriods. Not neccesarily just for body building purposes, but mainly to catch conditions that are treated with steriods, that may not appear on the MIB or script check. This info of course only applies to the US. I can't say how they all operate in Canada, but the 2 Canadian companies that I carry underwrite with the same guidelines..

And yes I am an insurance agent. I am speaking from first hand knowledge of the underwriting guidelines of many of my carriers.

 

[2rude4u]

Just for shits & giggles, I pulled up the guidelines for one of my Canadian life carriers. They specifically ask on their fully underwritten products, without regard to coverage amount and I quote from the app:

"In the past 10 years, used cannabis (marijuana), STERIODS or a narcotic? (Narcotic includes cocaine, barbiturates, stimulants and amphetamines, whether street or prescription.)"

If "Yes", what types?
Amount(s) used?
Date(s) last used?

 

[Truushot]

Just for shits & giggles, I pulled up the guidelines for one of my Canadian life carriers. They specifically ask on their fully underwritten products, without regard to coverage amount and I quote from the app:

"In the past 10 years, used cannabis (marijuana), STERIODS or a narcotic? (Narcotic includes cocaine, barbiturates, stimulants and amphetamines, whether street or prescription.)"

If "Yes", what types?
Amount(s) used?
Date(s) last used?

So let me make sure I understand what you are saying...you are saying that all people tell the truth? Or they test for the specific chemicals that are inside of steroids? Or are you saying they look for markers like elevated estrogen? because I can tell you first hand there is not one insurance carrier in the united states that tests for anabolic steroid usage! Not one!

Also they are asking people who break the law by using THC, steroids, opiates and nicotine to TELL THE TRUTH. News flash they are law breakers do you think they give 2 shits about another lie? Cmon...

P.S. I am included in the above statement. Also I was on the gas when I went through underwriting and I got standard rate due to elevated liver function and weight. I was 6'2" 241 when the BMI index said I would need to be 211 to get preferred.

 

[2rude4u]

So let me make sure I understand what you are saying...you are saying that all people tell the truth? Or they test for the specific chemicals that are inside of steroids? Or are you saying they look for markers like elevated estrogen? because I can tell you first hand there is not one insurance carrier in the united states that tests for anabolic steroid usage! Not one!

Also they are asking people who break the law by using THC, steroids, opiates and nicotine to TELL THE TRUTH. News flash they are law breakers do you think they give 2 shits about another lie? Cmon...

P.S. I am included in the above statement. Also I was on the gas when I went through underwriting and I got standard rate due to elevated liver function and weight. I was 6'2" 241 when the BMI index said I would need to be 211 to get preferred.

Understand this... not you or anyone else I know and I know some very high up insurance execs & underwriters, has any clue what EVERY insurance company tests for. If you think you do, you are an idiot!

Secondly... I am not stupid enough to believe for even a second, that everyone tells the truth. Hence, the required blood testing, MIB & script check for a fully underwritten policy. Do you really think that they take your word for it?

Thirdly... I do not understand your P.S. comment. You clearly stated that you DID NOT get the "PREFERRED" rate, so what the fuck is your point?

Additionally... Do you even have a clue what an MIB or script check consists of? Can you explain any of the rating tables or even what face values trigger certain testing? I seriously doubt it!

BTW... I don't know of ANY carrier that requires fluids, that does not test for certain illegal drugs & nicotine, on EVERY app!

 

[Truushot]

k first off you have no idea if I am an idiot. I am willing to bet I may even be more educated than you.

Do me a favor stick to the P&C and fleecing young people and old people into buying whole life because you can't sell variable products.

Leave the estate planning and dis-inheriting the government to the people who didn't get their license from a 2 day class and a punk ass test that any retard can pass.

I am a 500k+ producer for a well respected NYSE firm. I have 1035'd policies with CWP in the 40's and 50k range. I work with estate planning attorneys, cpa's, and all sorts of underwriters for many of the major life insurance companies. All the way from Met-Life to Hartford.

I have gotten diabetics and prostate cancer patients approved based on the gleeson score and their a1c.

I tell you what if I need an insurance quote for my new mastercraft boat I will give you a call. Otherwise I will stick to doing business with people who have credentials like CFP, MBA, and CFA. Weird thing is I eat breakfast with a person who has 2 of the 3. ME!

How many LIRP's have you sold? ILIT's? Google em if you don't know I don't have time to explain I am busy managing wealth.

 

[Truushot]

Life insurance applicants are placed in the table rating category when unqualified for the more favorable basic health classes. Perhaps you have diabetes, you qualify as obese, you were once treated for cancer or another serious illness... Table ratings are given numbers or letters. Usually they start at Table B (also called Table 2) and progress through to Table H (also called Table 8). As a rule of thumb, the rates increase by roughly 25% for every rung on the Table rating ladder.

Also I don't know much about the MIB so I will take a stab at it...
The Medical Information Bureau, Inc., (MIB) is a membership organization of life insurance companies. It operates an informational exchange bureau on behalf of its members. When you apply for life insurance, health insurance, or disability insurance, your insurance company makes a report to MIB. You authorize this as part of your insurance application.

If you later apply to another member company for life, health, or disability insurance, or a claim for benefits is submitted to such a company, MIB, upon request, will supply that company with any information it may have in its file.

Upon receipt of a request from you, MIB will arrange disclosure of any information it may have in your file. If you question the accuracy of the information in that file, you may contact MIB and seek a correction in accordance with the procedures set forth in the federal Fair Credit Reporting Act.

Forget it I don't know much about this stuff you win man. I am obviously over matched by your superior knowledge of the insurance industry because you "know some high up people". I don't name drop "high up people", I am fucking am high up people.

/PWNED

 

[2rude4u]

k first off you have no idea if I am an idiot. I am willing to bet I may even be more educated than you.

Do me a favor stick to the P&C and fleecing young people and old people into buying whole life because you can't sell variable products.

Leave the estate planning and dis-inheriting the government to the people who didn't get their license from a 2 day class and a punk ass test that any retard can pass.

I am a 500k+ producer for a well respected NYSE firm. I have 1035'd policies with CWP in the 40's and 50k range. I work with estate planning attorneys, cpa's, and all sorts of underwriters for many of the major life insurance companies. All the way from Met-Life to Hartford.

I have gotten diabetics and prostate cancer patients approved based on the gleeson score and their a1c.

I tell you what if I need an insurance quote for my new mastercraft boat I will give you a call. Otherwise I will stick to doing business with people who have credentials like CFP, MBA, and CFA. Weird thing is I eat breakfast with a person who has 2 of the 3. ME!

How many LIRP's have you sold? ILIT's? Google em if you don't know I don't have time to explain I am busy managing wealth.

Oh... so you're managing wealth, but you have plenty of time to argue with me. You're just one of the candy-ass, cry babies whining about the big bad insurance brokers that are putting all your overcharged clients into fixed index annuities.

Let me ask something big shot. How much money did your clients lose over the last few years? How much did you steal from them for the priviledge of losing their money?

I find it humorous that you brag about getting a diabetic or a prostate cancer patient done, as if that's a big deal. I do them weekly tough guy! You may also want to learn the difference between life & P&C because it does not appear that you know.

 

[2rude4u]

Life insurance applicants are placed in the table rating category when unqualified for the more favorable basic health classes. Perhaps you have diabetes, you qualify as obese, you were once treated for cancer or another serious illness... Table ratings are given numbers or letters. Usually they start at Table B (also called Table 2) and progress through to Table H (also called Table 8). As a rule of thumb, the rates increase by roughly 25% for every rung on the Table rating ladder.

Also I don't know much about the MIB so I will take a stab at it...
The Medical Information Bureau, Inc., (MIB) is a membership organization of life insurance companies. It operates an informational exchange bureau on behalf of its members. When you apply for life insurance, health insurance, or disability insurance, your insurance company makes a report to MIB. You authorize this as part of your insurance application.

If you later apply to another member company for life, health, or disability insurance, or a claim for benefits is submitted to such a company, MIB, upon request, will supply that company with any information it may have in its file.

Upon receipt of a request from you, MIB will arrange disclosure of any information it may have in your file. If you question the accuracy of the information in that file, you may contact MIB and seek a correction in accordance with the procedures set forth in the federal Fair Credit Reporting Act.

Forget it I don't know much about this stuff you win man. I am obviously over matched by your superior knowledge of the insurance industry because you "know some high up people". I don't name drop "high up people", I am fucking am high up people.

/PWNED

Dude... you're a fucking joke! You didn't take a stab at anything except Google! You copied & pasted word for word, from these 2 sites.

How are life insurance rates calculated?

Medical Information Bureau - MIB


It's pretty sad that you can't even answer in your own words and have to claim the words of others, as your own. That just tells me that you're full of shit or very, very bad at what you do.

 

[Truushot]

wait a sec because I did not take the time to write something that is already posted on the web and copy and pasted it I am a joke and not good at what I do?

When all of our clients fill out that little HIPPA form that they are required to sign they are giving life insurance companies access to their medical records.

See here is the deal...when you run a successful business you learn to leverage the resources around you to explain things to clients. When you get a 7, 66, and 19 you are taught that you often times can't put things in writing you must use the printed word. In this case rather than typing something I used an explanation that wrapped up the whole subject perfectly. Kind of like my 100 million dollar book of business that part of it is wrapped up at 1%.

I also find it funny that you are selling fixed indexed annuities. I guess I would too if it was the only thing that I can sell. I don't blame you for that one. I on the other hand use a product called a variable annuity with a guaranteed death benefit as well as a guaranteed step up annually. I also use wrap accounts, individual stocks, EFT's, mutual funds, corporate and muni bonds, options, and of course life insurance. Any of the clients I have sold these products too in the past 5 years are doing just fine. Could they be better if the market did not tank? Yes. But I will tell you the clients that stayed in the market are doing better than fine...they bought apple at 90 bucks and google at 250!

As far as stealing from my clients go that is just another remark that makes no sense. I have never stolen anything from a client. Do they pay a fee to have their money managed? Sure. Do they pay a fee for a non managed bullshit annuity with a surrender schedule? You bet your ass they do. At the end of the day I would rather pay a fee for a fantastic platform with professional money management than getting something that is better for my insurance agent.

By the way I never argued with you. You are the one who said I am an idiot. (clearly I am not) I was answering a person on the board who had some questions. I think if you look back on the posts I made for him I also copied and pasted a few things there. I guess next time I will post my sources parenthetically. Also all of the advice I gave him is spot on and you know it.

I deal with you people all day and I can't even escape you on the internet. Its all good though I get payed pretty good fix to all of the stuff insurance agents mess up. You know what I mean wink wink the old VUL hypo ran at 18%...wait you probably don't you don't sell variable.

At the end of the day you know that being able to sell all products to your clients is better for them. I don't expect you to be honest about it because I probably would never admit that if I was you. But inside I would know, and it would drive me crazy.

Good luck I hope your prosperous insurance agency keeps making you living. At the end of the day that is why we all do what we do.

I concede you win and I am stupid.

 

[2rude4u]

wait a sec because I did not take the time to write something that is already posted on the web and copy and pasted it I am a joke and not good at what I do?

When all of our clients fill out that little HIPPA form that they are required to sign they are giving life insurance companies access to their medical records.

See here is the deal...when you run a successful business you learn to leverage the resources around you to explain things to clients. When you get a 7, 66, and 19 you are taught that you often times can't put things in writing you must use the printed word. In this case rather than typing something I used an explanation that wrapped up the whole subject perfectly. Kind of like my 100 million dollar book of business that part of it is wrapped up at 1%.

I also find it funny that you are selling fixed indexed annuities. I guess I would too if it was the only thing that I can sell. I don't blame you for that one. I on the other hand use a product called a variable annuity with a guaranteed death benefit as well as a guaranteed step up annually. I also use wrap accounts, individual stocks, EFT's, mutual funds, corporate and muni bonds, options, and of course life insurance. Any of the clients I have sold these products too in the past 5 years are doing just fine. Could they be better if the market did not tank? Yes. But I will tell you the clients that stayed in the market are doing better than fine...they bought apple at 90 bucks and google at 250!

As far as stealing from my clients go that is just another remark that makes no sense. I have never stolen anything from a client. Do they pay a fee to have their money managed? Sure. Do they pay a fee for a non managed bullshit annuity with a surrender schedule? You bet your ass they do. At the end of the day I would rather pay a fee for a fantastic platform with professional money management than getting something that is better for my insurance agent.

By the way I never argued with you. You are the one who said I am an idiot. (clearly I am not) I was answering a person on the board who had some questions. I think if you look back on the posts I made for him I also copied and pasted a few things there. I guess next time I will post my sources parenthetically. Also all of the advice I gave him is spot on and you know it.

I deal with you people all day and I can't even escape you on the internet. Its all good though I get payed pretty good fix to all of the stuff insurance agents mess up. You know what I mean wink wink the old VUL hypo ran at 18%...wait you probably don't you don't sell variable.

At the end of the day you know that being able to sell all products to your clients is better for them. I don't expect you to be honest about it because I probably would never admit that if I was you. But inside I would know, and it would drive me crazy.

Good luck I hope your prosperous insurance agency keeps making you living. At the end of the day that is why we all do what we do.

I concede you win and I am stupid.

Your credibility with me is now ZERO! I don't know of even one professional, that would have copied & pasted, when asked to explain rating tables or the MIB. I know exactly what you are and it's a far cry from what you claim to be. Go bullshit someone that believes you!

 

[Truushot]

Ok no problem. I hope at sometime in the future you will believe me. I mean how will I go on with some insurance salesman who thinks I am a fraud.

Again the best of luck to your practice. I hope you keep grinding out that nut each month. It sucks being at 15k gross each month when my assistant puts the key in the door the first of each month.

I will say it again man you win your are smarter than me when it comes to selling life insurance. I am just glad that is all I don't have to sell.