OT – Life Insurance

[La Jolla Renter]

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[Coronita]

[quote=La Jolla Renter]ljinvestor,

Is there a list of the specific lab tests each will require? Do they all require the same standard tests or are they different?

Unfortunately, I had a parent die of a heart attack very young, so I think I will need near perfect lab results to get a good rate.[/quote]

When I had mine done through MetLife about 5 years ago, they basically took my blood pressure, took my height and weight, and drew a sample of blood and ran through standard blood tests that I think are similar to what you get your physical exam. I’m pretty sure they look at your medical history/records too..

Though, if you’ve done any sort of genetic testing, that information supposedly is generally off limits from insurance co’s…

You don’t need perfect lab results to get a group rating. The only thing that would most likely happen is your premiums would be up or down based on multiple criteria (men’s insurance in general is already more than women’s)

That said, if you’re in a boat in which you have a boatload of pre-existing condition, you might have no choice but to get some sort of group coverage without prescreen/etc….For example, AAA offers some coverage without prescreening up to a certain limit.

Don’t skim on insurance, especially if you’re young… I found out I had a boatload of health issues after I got life insurance. I’m thankful I got my life insurance early before it all happened. My only regret is I didn’t buy enough back then.

[Coronita]

[quote=La Jolla Renter]ljinvestor,

Is there a list of the specific lab tests each will require? Do they all require the same standard tests or are they different?

Unfortunately, I had a parent die of a heart attack very young, so I think I will need near perfect lab results to get a good rate.[/quote]

When I had mine done through MetLife about 5 years ago, they basically took my blood pressure, took my height and weight, and drew a sample of blood and ran through standard blood tests that I think are similar to what you get your physical exam. I’m pretty sure they look at your medical history/records too..

Though, if you’ve done any sort of genetic testing, that information supposedly is generally off limits from insurance co’s…

You don’t need perfect lab results to get a group rating. The only thing that would most likely happen is your premiums would be up or down based on multiple criteria (men’s insurance in general is already more than women’s)

That said, if you’re in a boat in which you have a boatload of pre-existing condition, you might have no choice but to get some sort of group coverage without prescreen/etc….For example, AAA offers some coverage without prescreening up to a certain limit.

Don’t skim on insurance, especially if you’re young… I found out I had a boatload of health issues after I got life insurance. I’m thankful I got my life insurance early before it all happened. My only regret is I didn’t buy enough back then.

[Coronita]

[quote=La Jolla Renter]ljinvestor,

Is there a list of the specific lab tests each will require? Do they all require the same standard tests or are they different?

Unfortunately, I had a parent die of a heart attack very young, so I think I will need near perfect lab results to get a good rate.[/quote]

When I had mine done through MetLife about 5 years ago, they basically took my blood pressure, took my height and weight, and drew a sample of blood and ran through standard blood tests that I think are similar to what you get your physical exam. I’m pretty sure they look at your medical history/records too..

Though, if you’ve done any sort of genetic testing, that information supposedly is generally off limits from insurance co’s…

You don’t need perfect lab results to get a group rating. The only thing that would most likely happen is your premiums would be up or down based on multiple criteria (men’s insurance in general is already more than women’s)

That said, if you’re in a boat in which you have a boatload of pre-existing condition, you might have no choice but to get some sort of group coverage without prescreen/etc….For example, AAA offers some coverage without prescreening up to a certain limit.

Don’t skim on insurance, especially if you’re young… I found out I had a boatload of health issues after I got life insurance. I’m thankful I got my life insurance early before it all happened. My only regret is I didn’t buy enough back then.

[Coronita]

[quote=La Jolla Renter]ljinvestor,

Is there a list of the specific lab tests each will require? Do they all require the same standard tests or are they different?

Unfortunately, I had a parent die of a heart attack very young, so I think I will need near perfect lab results to get a good rate.[/quote]

When I had mine done through MetLife about 5 years ago, they basically took my blood pressure, took my height and weight, and drew a sample of blood and ran through standard blood tests that I think are similar to what you get your physical exam. I’m pretty sure they look at your medical history/records too..

Though, if you’ve done any sort of genetic testing, that information supposedly is generally off limits from insurance co’s…

You don’t need perfect lab results to get a group rating. The only thing that would most likely happen is your premiums would be up or down based on multiple criteria (men’s insurance in general is already more than women’s)

That said, if you’re in a boat in which you have a boatload of pre-existing condition, you might have no choice but to get some sort of group coverage without prescreen/etc….For example, AAA offers some coverage without prescreening up to a certain limit.

Don’t skim on insurance, especially if you’re young… I found out I had a boatload of health issues after I got life insurance. I’m thankful I got my life insurance early before it all happened. My only regret is I didn’t buy enough back then.

[Coronita]

[quote=La Jolla Renter]ljinvestor,

Is there a list of the specific lab tests each will require? Do they all require the same standard tests or are they different?

Unfortunately, I had a parent die of a heart attack very young, so I think I will need near perfect lab results to get a good rate.[/quote]

When I had mine done through MetLife about 5 years ago, they basically took my blood pressure, took my height and weight, and drew a sample of blood and ran through standard blood tests that I think are similar to what you get your physical exam. I’m pretty sure they look at your medical history/records too..

Though, if you’ve done any sort of genetic testing, that information supposedly is generally off limits from insurance co’s…

You don’t need perfect lab results to get a group rating. The only thing that would most likely happen is your premiums would be up or down based on multiple criteria (men’s insurance in general is already more than women’s)

That said, if you’re in a boat in which you have a boatload of pre-existing condition, you might have no choice but to get some sort of group coverage without prescreen/etc….For example, AAA offers some coverage without prescreening up to a certain limit.

Don’t skim on insurance, especially if you’re young… I found out I had a boatload of health issues after I got life insurance. I’m thankful I got my life insurance early before it all happened. My only regret is I didn’t buy enough back then.

[joec]

I would check here for pricing…
www[.]term4sale[.]com

I don’t work or own or have any interest in term4sale other than I used it when I had to get some insurance for me and the spouse. It’s all term policies and the prices are legit assuming you qualify (same as what your agent will quote).

Most agents can also sell any company so it’s not a problem to use a friendly agent since pricing is the same and you can ask more questions.

I would be very upfront and honest with family history since paying to have a policy which is valid beats paying for something which won’t pay out if there is an event.

[joec]

I would check here for pricing…
www[.]term4sale[.]com

I don’t work or own or have any interest in term4sale other than I used it when I had to get some insurance for me and the spouse. It’s all term policies and the prices are legit assuming you qualify (same as what your agent will quote).

Most agents can also sell any company so it’s not a problem to use a friendly agent since pricing is the same and you can ask more questions.

I would be very upfront and honest with family history since paying to have a policy which is valid beats paying for something which won’t pay out if there is an event.

[joec]

I would check here for pricing…
www[.]term4sale[.]com

I don’t work or own or have any interest in term4sale other than I used it when I had to get some insurance for me and the spouse. It’s all term policies and the prices are legit assuming you qualify (same as what your agent will quote).

Most agents can also sell any company so it’s not a problem to use a friendly agent since pricing is the same and you can ask more questions.

I would be very upfront and honest with family history since paying to have a policy which is valid beats paying for something which won’t pay out if there is an event.

[joec]

I would check here for pricing…
www[.]term4sale[.]com

I don’t work or own or have any interest in term4sale other than I used it when I had to get some insurance for me and the spouse. It’s all term policies and the prices are legit assuming you qualify (same as what your agent will quote).

Most agents can also sell any company so it’s not a problem to use a friendly agent since pricing is the same and you can ask more questions.

I would be very upfront and honest with family history since paying to have a policy which is valid beats paying for something which won’t pay out if there is an event.

[joec]

I would check here for pricing…
www[.]term4sale[.]com

I don’t work or own or have any interest in term4sale other than I used it when I had to get some insurance for me and the spouse. It’s all term policies and the prices are legit assuming you qualify (same as what your agent will quote).

Most agents can also sell any company so it’s not a problem to use a friendly agent since pricing is the same and you can ask more questions.

I would be very upfront and honest with family history since paying to have a policy which is valid beats paying for something which won’t pay out if there is an event.

[earlyretirement]

I used Accuquote several years ago and it was really easy. I just put in my pertinent details online and got an instant quote. I ended up selecting a policy with TransAmerica and it was very quick and easy.

Of course I was still fairly young and I have no medical conditions at all nor does my family.

Within a week, they sent someone out to my house and they took my weight and height and a urine sample (no blood test) and that was it. They had already mailed me out some forms to fill out and I just handed it to the person that came out to see me.

Very quick and easy. I don’t think you can go wrong with checking quotes via Accuquote. It’s relatively easy these days to get life insurance online.

[earlyretirement]

I used Accuquote several years ago and it was really easy. I just put in my pertinent details online and got an instant quote. I ended up selecting a policy with TransAmerica and it was very quick and easy.

Of course I was still fairly young and I have no medical conditions at all nor does my family.

Within a week, they sent someone out to my house and they took my weight and height and a urine sample (no blood test) and that was it. They had already mailed me out some forms to fill out and I just handed it to the person that came out to see me.

Very quick and easy. I don’t think you can go wrong with checking quotes via Accuquote. It’s relatively easy these days to get life insurance online.

[earlyretirement]

I used Accuquote several years ago and it was really easy. I just put in my pertinent details online and got an instant quote. I ended up selecting a policy with TransAmerica and it was very quick and easy.

Of course I was still fairly young and I have no medical conditions at all nor does my family.

Within a week, they sent someone out to my house and they took my weight and height and a urine sample (no blood test) and that was it. They had already mailed me out some forms to fill out and I just handed it to the person that came out to see me.

Very quick and easy. I don’t think you can go wrong with checking quotes via Accuquote. It’s relatively easy these days to get life insurance online.

[earlyretirement]

I used Accuquote several years ago and it was really easy. I just put in my pertinent details online and got an instant quote. I ended up selecting a policy with TransAmerica and it was very quick and easy.

Of course I was still fairly young and I have no medical conditions at all nor does my family.

Within a week, they sent someone out to my house and they took my weight and height and a urine sample (no blood test) and that was it. They had already mailed me out some forms to fill out and I just handed it to the person that came out to see me.

Very quick and easy. I don’t think you can go wrong with checking quotes via Accuquote. It’s relatively easy these days to get life insurance online.

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