Buy Steroids



Results 1 to 18 of 18
  1. #1
    Jdawg50's Avatar
    Jdawg50 is offline Anabolic Member
    Join Date
    Aug 2002
    Location
    Mountains
    Posts
    3,095

    Life insurance agents on AR--->Piss and blood test for Life Insurance???

    Are there any Insurance agents out there that know what they are testing for. I have a few extracuricular drugs in my system at the present time, and I have a blood and urine test on Monday for Life insurance. Its a 500K policy, so I would assume it pretty extensive... Does anyone have any expertise in this area?

  2. #2
    thick one is offline Associate Member
    Join Date
    Mar 2004
    Posts
    296
    yup, the #1 substance insurance companies test for is (drumroll please....)- NICOTINE!! --the deadliest and most costly substance on earth. Cancer, hypertension, COPD,etc.. etc..) and all illegal substances ie..coke, mary-jane, opiates, benzos, amphetamines, etc.. as far as gear, NO NO and NO.. way too expensive to test for these substances.. they also check your cholesterol(lipids), cbc, cmp, etc.. hope this helps.

  3. #3
    Jrock79's Avatar
    Jrock79 is offline Junior Member
    Join Date
    Jun 2004
    Location
    CT
    Posts
    132
    Quote Originally Posted by Jdawg50
    Are there any Insurance agents out there that know what they are testing for. I have a few extracuricular drugs in my system at the present time, and I have a blood and urine test on Monday for Life insurance. Its a 500K policy, so I would assume it pretty extensive... Does anyone have any expertise in this area?
    \\\

    Hey Bro,

    Im liscensed. The main things they look for when drawing blood is for life threatening diseases, high blood pressure, and if you smoke (including pot). They will look for drugs but I have never run into a situation where they look for steroids . The high BP may be a problem. But seriously drink a **** load of water and stay out of smokey areas (assuming you are going for nonsmoker rates). If you have other drugs besides steroids there may be a problem....Is this a term or permanent policy you are applying for? That is also the big question.....Insurance companies will typically be more apt to accept your policy if it is permanent (Whole/Universal/or Variable).....let me know!!!! also, what company are you applying through (some companies are easier to be insured with)?

  4. #4
    Jdawg50's Avatar
    Jdawg50 is offline Anabolic Member
    Join Date
    Aug 2002
    Location
    Mountains
    Posts
    3,095
    my wife - term
    me Whole VAL I think or UVL something like that
    Do they test for xanax? I chew like once a week, but I havent had one for almost 4-5 days. should I be ok? No coke, no pot, no narcs. no gear....
    Thanks soo much.. Milk thisle and water here I come!!!!!!!!
    LMK

  5. #5
    Jrock79's Avatar
    Jrock79 is offline Junior Member
    Join Date
    Jun 2004
    Location
    CT
    Posts
    132
    Quote Originally Posted by Jdawg50
    my wife - term
    me Whole VAL I think or UVL something like that
    Do they test for xanax? I chew like once a week, but I havent had one for almost 4-5 days. should I be ok? No coke, no pot, no narcs. no gear....
    Thanks soo much.. Milk thisle and water here I come!!!!!!!!
    LMK
    Probably a VUL....I havent ever had anyone on Xanax (or least told me they were)...the majority (that I've seen) that get turned down are ones that said they never smoked and it shows they are chain smokers or ones with some sort of problem. Is the xanax prescribed to you? They will ask if you have been on any meds or have anxiety problems....and well Xanax is know for treating anxiety patients (correct me if I'm wrong)....I think you should be fine (stay away from them until you get tested) just down that water in excess amounts...

  6. #6
    Jdawg50's Avatar
    Jdawg50 is offline Anabolic Member
    Join Date
    Aug 2002
    Location
    Mountains
    Posts
    3,095
    VUL that's it... Hey what do you think of that BTW, I just switched from a whole life policy.

    Xanax prescribed?? uh no, but I guess i could put that on the form where it asks about what I take.. I'm gonna drink a ton of water fo sho

  7. #7
    Jrock79's Avatar
    Jrock79 is offline Junior Member
    Join Date
    Jun 2004
    Location
    CT
    Posts
    132
    O, this may also make you feel better.....I just took out a 500M dollar GUL Policy while I was half way through a cycle....I passed as preferred rates....

  8. #8
    Jdawg50's Avatar
    Jdawg50 is offline Anabolic Member
    Join Date
    Aug 2002
    Location
    Mountains
    Posts
    3,095
    500 million dollars??? GUL,,, what is that and are you serious? How long is that term and what does it cost per month???

  9. #9
    Jrock79's Avatar
    Jrock79 is offline Junior Member
    Join Date
    Jun 2004
    Location
    CT
    Posts
    132
    Quote Originally Posted by Jdawg50
    VUL that's it... Hey what do you think of that BTW, I just switched from a whole life policy.

    Xanax prescribed?? uh no, but I guess i could put that on the form where it asks about what I take.. I'm gonna drink a ton of water fo sho

    Well a whole life policy has more of a guarantee but a bit more expensive...PM me with this info....
    How much cash value was in the whole life? Are you using the cash value to fund the VUL? A VUL is funded with investments while a whole life is funded at a guaranteed rate.....are you looking to build cash value? If not, I would ask your agent about a GUL (Guaranteed Universal Life)...its the cheapest permanent (to age 100) policy out there....IMO.

  10. #10
    Jrock79's Avatar
    Jrock79 is offline Junior Member
    Join Date
    Jun 2004
    Location
    CT
    Posts
    132
    Quote Originally Posted by Jdawg50
    500 million dollars??? GUL,,, what is that and are you serious? How long is that term and what does it cost per month???
    No man, M (in international finance terms is thousand)...

  11. #11
    Jdawg50's Avatar
    Jdawg50 is offline Anabolic Member
    Join Date
    Aug 2002
    Location
    Mountains
    Posts
    3,095
    Quote Originally Posted by Jrock79
    Well a whole life policy has more of a guarantee but a bit more expensive...PM me with this info....
    How much cash value was in the whole life? Are you using the cash value to fund the VUL? A VUL is funded with investments while a whole life is funded at a guaranteed rate.....are you looking to build cash value? If not, I would ask your agent about a GUL (Guaranteed Universal Life)...its the cheapest permanent (to age 100) policy out there....IMO.
    I'll hit you with my AIM info maybe we can talk.

    I'm planning on using it as life insurance, and an investment. I have maxed out my 401k, and my roth, now I am looking at other after-tax investments. I'll PM you

  12. #12
    kempoblackbelt is offline New Member
    Join Date
    Mar 2007
    Posts
    1

    I have question Im in same situation

    I have a blood, urine etc text coming up for whole life insurance of $1 million. Up until thursday (yest 3/22/07) I was taking low dose of stanzanol, clenbuterol t3/t4 stack and a eca stack with 25mg of ephedra. My test is scheduled for this tues @ 9am do you think I should reschedule or everything will be ok?

  13. #13
    danyboy is offline New Member
    Join Date
    Feb 2007
    Posts
    15
    drop the ephedra and you should be ok.
    I had the same tests done 3 weeks in to a test and eq cycle and they came back great.

  14. #14
    Snrf's Avatar
    Snrf is offline Banned
    Join Date
    Dec 2004
    Location
    Snrf 2 - Bojangles 0
    Posts
    5,829
    don't bump 3 year old threads

  15. #15
    tnutz's Avatar
    tnutz is offline New Member
    Join Date
    Dec 2009
    Posts
    19
    Wow, a lot or insurance talk for roid forum. Shouldn't have any problem with the gear, but be careful on trying to pass as non-nicotine if you use any at all. I have seen two life policies that did not pay out because the insured passed the non-nicotine test(avoiding it for a time and drinking lots of water) but it was discovered that they were in fact useing nicotine during the underwriting period, so the policies did not pay out, just refunded the premium. Better off being honest about that part.

  16. #16
    JohnnyVegas's Avatar
    JohnnyVegas is offline Knowledgeable Member- Recognized Member Winner - $100
    Join Date
    Mar 2003
    Location
    The Desert
    Posts
    5,964
    This is a seven year old thread revived by a spammer.

  17. #17
    tnutz's Avatar
    tnutz is offline New Member
    Join Date
    Dec 2009
    Posts
    19
    Holy crap!! I didn't even see that. My bad.

  18. #18
    MACHINE5150's Avatar
    MACHINE5150 is offline "AR's Vanilla Gorilla"
    Join Date
    Jul 2010
    Location
    Psych Ward
    Posts
    3,589
    Quote Originally Posted by Jrock79 View Post
    \\\

    Hey Bro,

    Im liscensed. The main things they look for when drawing blood is for life threatening diseases, high blood pressure, and if you smoke (including pot). They will look for drugs but I have never run into a situation where they look for steroids. The high BP may be a problem. But seriously drink a **** load of water and stay out of smokey areas (assuming you are going for nonsmoker rates). If you have other drugs besides steroids there may be a problem....Is this a term or permanent policy you are applying for? That is also the big question.....Insurance companies will typically be more apt to accept your policy if it is permanent (Whole/Universal/or Variable).....let me know!!!! also, what company are you applying through (some companies are easier to be insured with)?
    i used to sell life insurance too.. this is exactly what i was going to say

    just realized this thread is 7 years old

Thread Information

Users Browsing this Thread

There are currently 1 users browsing this thread. (0 members and 1 guests)

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •