blood/urine test for life insurance

[theboss]

i am required to have blood and urine test done for mortgage/life insurance...anything to worry about?

[Mr Ontario]

What insurance company would require this?

[Houstonbc]

i was about to get i.n.g. and steroids were ont he test list that i looked at and i backed out of it

[The Terminator]

That's interesting that they'd be giving you an expensive test for steroids. Likely a good idea to get it done after you're off, unless you're on something like Deca, in which case the metabolites will haunt you forever. :D

Matt

[theboss]

canada life...for mortgages over 300k

i am on test...eq...tren

[Big D]

just get someone elses pee ???

[theboss]

do you think thats what they are testing for?

[Mr Ontario]

Just make sure it's not females urine....then they will think your hiding something bigger...like a trans gender :)


just get someone elses pee ???

[ZeOne]

I hate to encourage cheating and deceptive manners, but I had a friend that, came urine testing time, would be "visited" by an accomplice in the bathroom stall and a quick exchange of urine samples would pursue.

Never has this guy been caught or charged of fraud and he always passed his tests with high flying colors (and this was NOT due to his biweekly LSD consumption).

[RagingRandy]

I just saw a report on mortgage insurance sold through banks. Canada Life was the worst in paying out claims. You can get better rates going to an insurance broker. Brokers will be able to better explain the ins and outs of the contract. I have never taken mortgage insurance from the bank. I know the bank will make it sound mandatory and that they have the best rates but they are not.

[theboss]

I just saw a report on mortgage insurance sold through banks. Canada Life was the worst in paying out claims. You can get better rates going to an insurance broker. Brokers will be able to better explain the ins and outs of the contract. I have never taken mortgage insurance from the bank. I know the bank will make it sound mandatory and that they have the best rates but they are not.


thanks for the info randy....i already contacted my broker this morning about it..
they will be calling me on tues. when the person who handles it is in the office to discuss...hoping they do no testing.

[RagingRandy]

No problem. I meant to say the way I deal with it is that I have term life. It is cheapest if you are under 50. I have never been tested for anything. You select a fixed amount and your premiums stay the same. You can even switch it up year to year, either company or amount. The insurance from the banks offer a sliding scale so that as you pay down your mortgage the payout also drops but the premium stays the same. Total ripoff.

[GSNALTA]

I had to do a bloodwork and a urine test last year for life insurance.They dont test for anabolics .They do test for narcotics ,diseases and your lipids.I was on a few compounds and my good cholesterol level was a bit high but no big deal.I wouldnt worry about it.