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Craig Said:

now the federal government is going to bail out life insurance agencies? did i hear that right?

We Answered:

You are correct, it is all over the news. When and where is it going to stop? The Dems are spending not only our children's money, but also our grandchildren's. Why not let attrition do its thing, companies will absorb one another and life will go on. Our current politicians are bent on destroying our country, they act like they have a bottomless checkbook and the ignorant of this country voted out our checks and balances system. we need to reconsider this before the next election in 2010 so that we can return a balance to the senate and house.

Wade Said:

LIFE INSURANCE.. do life insurance agencies test for drugs when they send the blood and urine off the the lab?

We Answered:

Yes!

Ruben Said:

When life insurance agencies test you urine, do they look for birth control ?

We Answered:

Dont tell them anything.

Im looking at my underwriting manual right now. They will find out what you are on if you used a policy to pay for it. If its cash they will never know.

Some medicines you are an automatic denial. Perscriptions for Anxiety or Depression will give you a higher rate. As I said they dont know unless you paid for the medicine with another insurance policy.

This is what happens they will check, all insurance companies share everything. Its legal and they do it. But they dont know anything that didnt go through another insurance company.

The urine test is to check for tobacco or illegal drugs. They dont really care about birth control pills.

As I said dont tell them anything. Ever. What they find out themselves is how they will price it. When they say what drugs are you taking, say thats between me and my doctor. You dont have to tell them but they dont care because if your insurance from another company is paying any part of it. They will know.

Just dont give them anything willingly.

I had to go to the ER a couple years ago. They said we need your insurance card. I said this will be less then 200 bucks. Im paying cash. You will never get my insurance card for less then that. Once its used its on a system, all insurance companies can look it up.

I had a cut finger that needed stiches. He gave me drugs for the pain. But the drug he gave me according to my manual would have been a 25% increase in my life insurance. Because its used for other things.

It never happend because they never knew. I didnt let insurance pay for it.

Margaret Said:

When life insurance agencies test your urine, do they look for birth control ?

We Answered:

they test urine for protiens and bacteria and sugar, not medications.
and yes, birth control pills are medications, and should be reported, as well as whether or not you smoke. (the combination can be deadly)