life insurance question

[imanewbie]

i dont know if this is a dumb question or not but im gonna ask it anyway...

im about to start a test/deca/dbol cycle, and i have been thinking about getting a life insurance policy because i am about to get married, and i have a kid on the way. question is... i think i am supposed to get a physical for the policy, but are they going to give me and kind of tests to where juice might show up? and if so, would that possibly stop me from getting a policy? any positive input would be appreciated...thanks in advance

[mam ceskou krev]

I'm pretty sure that they don't test for gear in your system, but taking gear will cause other things to be out of control. I was on primo when I got tested and because of that they said I had a disease(too many red blood cells). I just stoped taking primo and it went back to normal.

[imanewbie]

think any of the gear im taking will effect any of that? either that, or i can get it after i get married which is at the end of june

[GHO5T]

Any kind of AAS will promote a rise in RBC count in ones system and amoung other things.

I dont believe you will need to worry about being tested for gear tho, too expensive and too much of a hassle for the service.

However if your really unsure, why not start the cycle after everything is done, tests and all and you have the insurance policy?

~GHO5T~

[ebjack]

If anything, your lipids will be way out of whack and it might show up to them as high risk for heart disease, and get you a more expensive insurance policy (higher premiums)

[mam ceskou krev]

I would wait after your tested before starting anything. ITs not like you could tell them the reason those things are out of whack is because of your gear.

[imanewbie]

all this stuff is true...but if i were to do it after my cycle, how long after should i wait? if i start my cycle here soon, it will be close to over by the time i get married, and maybe a month or two after that i could get the policy...would a month or two be enough time for everything to even out?

[Nitz5785]

I am an insurance agent and I know they don't test for any kind of gear. The only thing you would have to worry about is if your cycle affects your blood pressure, cholesterol, liver enzymes, etc. I would get the insurance first just to make sure. An insurance rate up can be very expensive. They can rate you up for high blood pressure which makes you higher risk and it could end up costing you thousands more over the years. Just get the life insurance now and start the cycle after.


For example, I had a client who had a Monthly premium of $115 a month for $100K policy. She had ***ression so they rated her up. Her monthly premium went up to $235 a month...now calculate that difference over a lifetime of payments and see why to get it now.

Also, life insurance is attained age so the younger you get it, the cheaper it will be. Smoking or tobbacco use almost doubles your cost of life insurance. Avoid getting a term policy and get a whole life. It is way better in the long run. I can explain why if you need it but trust me you want whole life or Universal life at the very least. Avoid term insurance.

[mam ceskou krev]

I would say yes. that is more than enough time. just how long of a cycle?

[imanewbie]

i plan on a 12 week cycle ...and i dont smoke or use any kind of tabacco product...maybe ill go ahead and call them up and get them to hook me up...i only wanted to start in another week, so even if i cant get it set up by then, i guess at least i know im on the safe side getting it before the cycle

[TheSentinal]

Get your physical done first for your life insurance. They are very cautious and if they find anything, they will charge you higher rates. They will also ask your doctor for ALL your records. Again, if they find something they will charge you higher rates or deny you. Once you pass the tests and get your rate, then you can do you gear. Just lock in your low rates first.

[LmbrJak]

i plan on a 12 week cycle ...and i dont smoke or use any kind of tabacco product...maybe ill go ahead and call them up and get them to hook me up...i only wanted to start in another week, so even if i cant get it set up by then, i guess at least i know im on the safe side getting it before the cycle

Getting it before your cycle is the best bet.

The only problem I ran into was my body mass index, it looks like I am obese.With the help of my agent we were able to convince them otherwise.

next time Ill send my bodyfat analysis

[spicyer]

personal experience, my rate went up by more than 50% for two policies that I took out and was tested for while on cycle. My agent said I could after a year or so ask for a retest and rate reduction, but Im just glad at this point to have the polcies in effect. I suggest as above get your policies in place before cycle.

[slacker]

When I went in and got a physical i was on cycle and my blood test showed that i had a high red blood cell count.

[imanewbie]

damn...i guess ill be making that phone call to usaa to set it up...