 Can I buy health insurance, use it, and then cancel it? |
| I already have health insurance, United Health (thru employer), and I need to have a procedure done and it is hard to find a good doctor. I found one but they are out of network and UH won't ... |
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 If I have life insurance, does my beneficiary need a copy of the policy? |
| If I have life insurance, does my beneficiary need a copy of the policy? I wonder if they need to APPLY for the benefit when I die, or will it automatically be sent to them?... |
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| How caN i develope my charisma for selling life insurance? |
| as u can guess from my question my profession is selling life insurance and annuities and i wanne develope my talents with ur help and contribution .....thx my dear ... |
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 Life insurance question? |
| If someone were to get life insurance in their twenties, how would that benefit them later in life when their old?... |
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 When I go to see a doctor under my medical insurance that I get through my employer are they notified? |
| I'm curious what the process is when a medical claim is filed. When I go see a doctor that participates with my medical insurance I get through my employer do they recieve anything that says I ... |
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 Husband lost job and I'm pregnant is the Insurance co. required to cover until delivery? |
| I'm trying to apply for state insurance at the moment, but lots of people I talk to are telling me that since the Insurance Company covered me before they can't cancel while I'm still ... |
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 Full time college kid needing health insurance? |
i'm a full time college student and only work part time at walmart. walmart wont give me health insurance. i'm a nonsmoker and go to the gym everyday and i'm healthy.
are there ... |
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 Can I claim for injury? |
| I slipped on my patio, and fell over a low wall badly breaking my wrist. Can I claim on my home insurance policy, which covers public liability.... |
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 Insurance???????? |
| Around how much would it cost to get a policy for health coverage with maternity coverage also if you take the policy out yourself. I have Insurance now, but my job is moving to Tampa in about 4 ... |
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 Whose insurance pays? |
| my friend invited her friend over to the house where i was house sitting. she is in her 30's. she drank 10 beers in a hour, she was very drunk. she took a wrong turn and ended up falling ... |
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| A person has medicare &insurance from wifes employment...what insurance provider is respon. for paying? |
| husband has medicare/medicaid, also insured thru wives emply..who is responsible for paying, wifes insur. or ... |
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 Customer loyalty. Do companies really deserve your custom? |
| My home and contents insurance is due for renewal with Barclay's Bank. I have been insured with them now for 3 years consecutively as their quotes were far the cheapest. There is now an increase ... |
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 I have not had motor insurance for three years I did have full no claims bonus,I have no paperwork policy No? |
I do know who my insurers were will they issue a cert
on name and address only more to the point will I still be
on their records or am I wasting my time contacting ... |
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| Compensation Claim .. Who is right? Husband or wife?? |
I recently had a fall and am suffering with post concussion syndrome, however that is not the reason i am writing.
The Insurers have agreed to pay me compensation, not sure if i should go to a ... |
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 Holiday Insurance for over 70's? |
| my nan and gramps are going abroad and insurance is so expensive can anyone recommend a good insurance company or broker? My gramps has had a heart bypass 9 years ago and my nan has rheumatiod ... |
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 Health Insurance? |
| i've been looking around lately i need to get some health care coverage for a family member of mine. I live in Rochester NY ...does anyone know i can start looking for cheap and fast to get ... |
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Stacy S | For life insurance purposes, does the urine sample test for drugs? |
Will that stop me from getting life insurance???? |
 |
 
mbrcatz
 |
Yes, and yes. |
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Suzanne: YPA
|
Most urinalyses only test for the drugs cotinine (a metabolite of nicotine); cocaine; and THC (a chemical found in marijuana). However, some insurers use an expanded panel of tests and, in addition to the tests listed above, they look for PCP, amphetamines and opiates.
Not all life insurance applications require that a urine specimen be given. Ask your agent for details. |
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Hadley
|
The life insurance urine sample test is used to check for use of drugs and any common diseases you may have.
The results are used to determine if you are accepted, and if so, how they will rate your policy based on the results.
There are other options. Some life insurers offer life insurance with no medical exam.
That means there are no physical exams, no doctors' tests, no urine samples and no blood work.
You do need to answer all questions honestly so they don't dispute any claim to pay on your policy.
The insurance company generally has up to two years to contest your policy from the time it's issued.
Also, no exam life insurance policies may charge more because they accept some people other companies may not accept.
To learn more about term life insurance with no exam visit https://insurance.hsbcusa.com/quotal/simple-term-hsbc.cfm?AgentId=9200&mc_id=107TVXWFW
They offer you up to $250,000 term life insurance protection for 10, 15, 20 or 30 years.
I hope that helps! Best of luck to you. |
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Dee S
 |
They sure do! |
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insuranceguytx
 |
Yes they test ... think about it. |
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ernesto_tig
|
Yes they typically check for a full spectrum of legal and illegal drugs. Yes it can prevent you from getting insurance.
As an added bonus, depending on what they find, they'll report you to the Medical Information Bureau (www.mib.com) a clearinghouse of medical information used by medical and life insurance companies. If it's illegal drugs, you'll be flagged as uninsurable, then you'll be turned down for life and health insurance now and every time you apply. Not forever, just the rest of YOUR life.
Something you may want to consider. |
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aaron p
 |
Yes. If you currently use drugs, you should tell your agent. There are companies that will still make good offers depending on your usage (ie. pot once a month or so could be standard with the right company). If you lie on the app and die during the contestability period, your family gets nothing. |
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avaldreteiv
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Yes it tests for drugs, Diabetis and STDs. |
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