Life insurance policy medical exam?? Urinalysis, blood test, drug test?

Answers:2   |   LastUpdateAt:2012-05-21 18:06:39  

Question
Mary Jane 01
Asked at 2012-04-27 05:47:54
My mother is giving my old policy of renewal, but to do that they need a medical examination . I tried to ask coroners what people try and they said they could not say. I wonder if a drug test and if so , what drugs? I do not want my new policy to be naked because I have no pot in my system ( please , no judgments). Insurance is the children of Hermann and I can not find anything online . I do research and it seems more doctors, but I want to be sure. Once I get the renewal done then I get the money from my old politics I really need because I just got laid off .

If anyone has any help or suggestions on what to do if it is a drug test I have on hand.

Thanks for the help, really :)
Answer1Speedster Answered at 2012-05-09 02:00:27
You are concerned about a review of a life insurance policy new , but you should be more concerned about finding another job.

You realize that almost every company out there will require you to take a drug test , if they hire you .

I understand that upon termination you need money , but remember that you need to stop using any drug, because when you do a test, usually only give a maximum of 24 to 48 hours.

I'm not judging , just giving the facts.

good luck
Answer2ferretAnswered at 2012-05-21 18:06:39
Rarely a good idea to cancel a life insurance policy and replace it with a new one. There are several reasons. First, each year you get older the fee increase because your life has been reduced by one year . Second, health status or other factors may make it difficult to qualify.

If your policy has cash value, why not take a loan from the policy in place ? You keep the original of the policy and pay lower rates, and you do not have to qualify medically for a new policy.

Suppose the insurance company proof of use of illegal substances. Is easily detected through blood tests, and is associated with a lifestyle that lead to shorter life expectancy .
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