Life insurance examination

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Posted: Thu Jun 18, 2009 9:30 pm Post subject: urinalysis

Do routine Life insurance medical exams include drug screens ? _________________ Register Now to have your Insurance queries solved.

Potter

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Posted: Thu Jun 18, 2009 10:18 pm Post subject:

Quote:

Do routine Life insurance medical exams include drug screens ?

Yes, and the application itself will specifically ask you about drug use too.

dgoldenz

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Joined: 10 Jan 2009
Posts: 205

Location: Virginia
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Posted: Fri Jun 19, 2009 12:36 am Post subject:

Quote:

Do routine Life insurance medical exams include drug screens ?

This question is a good example of why it is so important to find a quality agent. Some companies care about certain drugs that other companies don't care about.

InsuranceExpert

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Joined: 05 Apr 2009
Posts: 584

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Posted: Fri Jun 19, 2009 4:05 am Post subject:

Quote:

Yes, and the application itself will specifically ask you about drug use too.

What if I lie in the application form?

Quote:

This question is a good example of why it is so important to find a quality agent. Some companies care about certain drugs that other companies don't care about.

How can agent help me if I'm addicted to drug?
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anonymous 12

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Posted: Fri Jun 19, 2009 11:33 am Post subject:

If you lie on the application form and get caught, there is a good chance that your application will get denied even if they would have approved you if you were honest. If you lie and don't get caught and then die within 2 years, there is a good chance that the insurance company will find out and deny the death claim. After 2 years, you'll be fine. A good agent can help you because all companies look at things differently. It's about matching you with the right company.