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 I have employer insurance but the cost is high. Can someone refer an affordable insurance company?
Also is an application fee normal when getting quotes for insurance?...


 Can Life Insurance refuse payment after the 2 years suicide clause expires?
Can Life Insurance refuse payment after the 2 years suicide clause expires?

Contrary to public belief, I've found that the laws of most states and the policies of most life insurance ...


 At 18 am i still covered by my dads health net insurance?
cuz im 18 and just found out im pregnant yay i want to know if your parents have health net are you still covered at 18 cuz im not getting married untill my fiance comes home from boot camp and we ...


 Pregnancy and Insurance, Please help!?
Alright. This is a little complicated, so bare with me. My husband and I are trying to conceive. We are currently on different insurances because his requires him to be there for 18 months before ...


 I need disability insurance. I've been declined by several companies due to a diagnosis of sleep apnea-hints?
The apnea diagnosis is so slight that I do not require treatment with a C-PAP machine. I'm surprised that I've been declined. Does anyone have any suggestions?...


 Are there any appeals/grievance processes against health insurance companies who deny policies?
This just takes the cake! My son is 4 months old. When he was born, the doctor heard a slight murmer in his heart. It was checked out with an Echo and we also followed up at 2 months with a ...


 What is the cheapest health insurance for a family?
...


 What is an affordable health insurance that I can apply for in Southern California?
An affordable one. I can't seem to find one. I was layed off my job but my cobra will be too expensive is there anything else out there. I tried kaiser but its like 220 a month for just me....


 Can i claim on my car or renters ins. about money stolen out of my car parked in my driveway?
somebody stoll money out of my car that was parked in my drive way....


 I need cheap health insurance...?
and I need it fast. I need a quality health insurance company for an affordable rate. My husband and I just recently got married. So we're a young married couple putting ourselves through ...


 With commercial insurance I need to know what it means when the defense costs are outside the policy limits?
I need to know with commercial insurance what does it mean when you are asked; Are the defense cost outside the policy limits....


 Life agent?
what's the average income for a new self-employed life agent?...


 I need health insurance, can any one help?? I'm 21, married, no children and live in florida...?
...


 Have issue with state farm insurance company.State Frarm is looking to deny my claim.What should i do.?
I cooperated completely but now they want all my financial records,phone records, etc.. plus a 3 hour deposition under oathe. Ive already given to recorded ...


 My Obgyn nurse is a.....?
Need advice!!!! OK. on July 11 I went in to talk to my obgyn because I wanted to get an iuc inserted. He told me I was a good candidate I was healthy and could defenatly get it if that was my choice ...


 Why would I pay more for less coverage in whole life insurance?
when I can get the right amount of coverage I need for less money in term insurance?...


 What are options when health insurance coverage is cancelled?
My daughter recently lost her job and a few days later needed to be hospitalized. The hospital checked her insurance coverage and told us it was okay. We have since been called by the hospital and ...


 Am I allowed to use two different Health insurance policies for visitng the doctor and paying for meds?
I have two different inssurance policies and I am not covered by one of them for certain meds that I need. However, the other insurance policy I have does cover the med. Now I have used the one that ...


 Where can I get insurance to cover my wife and I for a year as we have two cruises booked for 2009 ?
My health is not to good and I find some companies put the price way over the top any suggestions for( europe) plus we are both over 65...


 What if insurance denied hubby for tumor on his leg?
My husband had this giant growth (bigger than basketball) on his inner thigh. He wanted to get it removed, but the insurance denied him (they felt it was cosmetic!!!)

Well, a few months ...



LL
USAA Life Insurance/Drug testing?
Does anyone know if USAA performs a drug test on urine for life insurance during a medical exam? If so, what drugs are they testing for?
Additional Details
What happens if you test positive for THC?
                     
 




T
Rating
It depends on the type of policy but generally for any medically underwritten policy...they will test you for illegal drugs. All of them. If you test positive for any of them... you will be rejected and the info will be sent to M.I.B.

Right or wrong... that's the way it is.


j b
Rating
yes, they will do a blood test and urine.....if u r on drugs they will find them


src50
Rating
Yes - all of them (had an exam for a USAA policy last year).


aaron p
If you use occasionally, there are companies that will offer you quality coverage without forcing you to lie on the application. Getting caught in the underwriting process should be the least of your worries. You should worry about thinking you have insurance to protect your family until they investigate your death.

Find an independent insurance broker who can help you find a company to fit your risk.


Alfio T
VERY interesting guide info about your Question HERE:
http://all-insurance-online.blogspot.com
Good luck!


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