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 Post subject: Life Insurance
PostPosted: Sun Nov 11, 2012 11:47 pm 
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Joined: Thu Dec 01, 2011 12:43 am
Posts: 75
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I am interested in increasing my life insurance amount. This process would require me to to a blood, urine exam as well as a detailed medical history form.

Questions:

Will my addition/Suboxone cause me to become "uninsurable"?

Will Buprenorphine show up in the urine test?

Does listing addition drastically increase my premiums?

Hopefully, someone from this forum has gone through this process and can shed some light on the subject.
Thanks


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 Post subject: Being Honest
PostPosted: Mon Nov 12, 2012 3:48 pm 
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Joined: Sun Jan 02, 2011 12:35 am
Posts: 2802
Location: Southwest
I went through something similar years back. My works Life Ins premium was getting too high so I did some searching and found a company that was much cheaper for a 20 yr policy. I cancelled my work one and when I filled out the paperwork I was honest and put down I was taking Norco for a back injury. Well, that just about doubled my premium and I backed out of it and was left with no Life Ins policy. If I tried to get my work one back they would have me do a physical and my premium would be a lot higher because of telling the truth.

Now if you aren't completely honest on your questionnaire and just happen to die, trust me, they will investigate your health at the time you filled it out and deny payment based on false information. This is only my opinion and can't say for sure they would actually do that, but if I owned the ins company I surely would. It does put you between a rock and hard place.

It's up to you how you handle it. In my world I always tell the truth and sometimes it's costly.

Sorry I couldn't be of more help. Do what you think is right.

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Don't take yourself so damn seriously


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Dr. Jeffrey Junig, M.D., Ph.D.

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