insurance and roid use

[gamorrah]

I was hoping one of you smart guys could help me! (-;

First, here are my stats,

age 36
220
14% bf

I have been OFF the following Boldenone only cycle for approxiamately 6 weeks

1-2 wks, 800mg EQ
3-10 wks, 400mg EQ
6-10 wks, 50 mg ED Proviron,
PCT started 2.5 weeks after cycle, 40mg novla ED for 2 weeks, 2 more weeks 20mg.

1: I need to get some life insurance, I was planning on getting blood work from my doctor first, but wondered what the likely effect from my cycle would be?

2: Does life insurance test for Gear? Are there ancillaries I can take to get me a better rating?

3: How long should I wait before taking the insurance blood test?

4: How long before I can safely do the same cycle, with winny added?

5: Any suggestions on alternate cycles, for someone gyno sensitive with some joint injuries?


thanks everyone

 

[metzen]

I would like to know this too. I know Life insurance testing is pretty extensive. I canceled my appointment for fear of it. If you get caught you will be taboo for all other insurance companies as they will all have access to your results.

 

[yomama]

I got life insurance. They will look at your medical history first. They look at stuff like if you're a smoker, and if you drink. At your cholesterol level and blood pressure. It will only raise your premium, but you can still get life insurance. I pay 20bucks a month for 300k policy.

 

[gamorrah]

I have had it before and paid $30 per month for 300k or so. But, then again im 36. Does anyone know how my relavent blood profiles will be effected. I dont believe they test for roids or Illicit drugs at all. I just want my LDL/HDL triglycerides to look good. My diet is pretty tight, im just worried about the effects of my last cycle. thanks

 

[metzen]

they test for recreational drugs. They ask if you had and hydros, oxy etc. and amphetamines as they can cause a false positive for heroin and speed. You have to report any drugs you are on before they test you or you will be disqualified if they find it. They can't tell the different opiates from each other so if you didn't report it then you probably trying to hide something so therefore your guilty.

 

[gamorrah]

Yes, you are right, during the test I had marijuana in my system, and it did not come up. Perhaps they dont consider that a health hazard?

So no answers on the probable effect of my cycle on my blood profiles eh?

 

[genarr3]

While I don't believe they'll test for steroids, there is a strong possibility that your blood values will be out of range. Getting bloodwork done by your personal doctor first is a good idea.

 

[Demonix]

I worked for a life insurance company for a while and I processed applications and doctor exam results. I never seen anything about steroids, but they do test for smoking. I never did see anything about recreaction drugs either, but I'm sure all insurance companies are differant and when I worked at one it was about 8 years ago.

They really seem to be worried about dangerous activities like "para gliding" and stuff and smoking more than anything else.

 

[yomama]

I worked for a life insurance company for a while and I processed applications and doctor exam results. I never seen anything about steroids, but they do test for smoking. I never did see anything about recreaction drugs either, but I'm sure all insurance companies are differant and when I worked at one it was about 8 years ago.

They really seem to be worried about dangerous activities like "para gliding" and stuff and smoking more than anything else.

Yeah, make sure you dont tell them that you like to take risks, or that you like top out your car every week at 160mph

 

[Wingnut32]

I was in the same boat. I waited until I was off 2 months. Other than my cholesterol being a little high everything else was good. Go to your own doctor first and have your blood work done to check everything out before you go for the insurance.

 

[searay]

i own an insurance agency and they do not test for gear. they run a basic test for rec drugs, you can buy this type of testing gear on the internet. if it turns up positive, you have to have a certain amount of whatever in your system for it to turn positive, then they use a very accurate testing system to make sure. they rate policies based on ht and wt, age and any med history. the blood and urine test they run is for rec drugs, kidney and liver values, cholesterol levels, and of coarse hiv. the only thing gear can hurt you on is the liver and kidney values, and bp. i def. try to take the test while off................

 

[gamorrah]

Thanks Searay!


that is the kind of answer I was looking for. Im an avid scuba diver, I guess they dont need to know. I'll get me personal doctor to run blood first, then do the insurance. Also, does anyone know what kind of effect boldenone 400mg 10 weeks would have on my profiles?

thx

 

[searay]

the thing is if you dont disclose about the scuba diving and you die scuba diving withing the first 2 years of the policy then it will not pay. after 2 yrs the co. has to pay no matter what, even suicide. if your just a recreational scube diver and have taken saftey coarses your premium may not go up that much. if you do it for a living then that could raise your premium about 20-25%. just think about how much time you spend under water and if your willing to take the chance of no coverage while at the most dangerous time of your life. if it was me and i was spending time under the water on a regular basis, id disclose it, get covered, and pay the extra premium.

 

[gamorrah]

I'm pretty big on honesty so I agree with you on the disclosure. Im a recrerational diver with advanced/rescue training, maybe 50-60 dives per year. I generally have a conservative nature, at least since becoming a parent.

thanks for the information!

 

[HotYngSwngr]

I'm pretty big on honesty so I agree with you on the disclosure. Im a recrerational diver with advanced/rescue training, maybe 50-60 dives per year. I generally have a conservative nature, at least since becoming a parent.

thanks for the information!

I sold life insurance for 7 yrs...NEVER admit to ANY illegal drug use on an insurance form. Anything you disclose on a life insurance application can be accessed by any other company should you decide you want to try again at a later date. I had one BB client (suspected he cycled by his size) and only problem we had insuring him is that he was over the height/weight chart. Just make sure your liver values are normal before getting tested for insurance because that is one quick way to get a rated (added % of premium) or declined policy. GOOD LUCK!!!

 

[gamorrah]

I WOULD NEVER USE ILLICIT DRUGS, (-:

However I would them about lifestyle (scuba diving) to ensure that my wife and kids are covered. I used to sky dive, but quite upon being married. They probably dont need to know that!

thanks everyone, Ill make sure to get some blood work done first!

 

[HotYngSwngr]

I WOULD NEVER USE ILLICIT DRUGS, (-:

However I would them about lifestyle (scuba diving) to ensure that my wife and kids are covered. I used to sky dive, but quite upon being married. They probably dont need to know that!

Scuba is fine...as long as you don't dive to excessive depths or use experimental equipment you should be ok...no extra charge. Sky diving on the other hand...don't tell em about it...some things are best left unsaid. Keep in mind, someone said it earlier, after 2 yrs you could have lied on every line of the application and it doesn't matter...they have to pay no matter HOW you die.

Good luck!