Can Blood Testing affect Insurance?

[Got Insulin? - We do!]

If I'm getting my T-levels tested, will that affect my health/life insurance?

 

[Cman90]

If you are hypogonadal and start trt it could affect life insurance by putting you into a different risk pool and increasing your premium. Depends on the policy and underwriting process of the company. Should not affect health insurance premiums.

Source: Used to sell life insurance

 

[Mac11wildcat]

Do yourself a favor and self-test and self administer. These TRT companies are ripping you off and they’re ran largely by idiots.

 

[Tb89]

Do you already have life insurance? I could see it potentially effecting the rates for that. My health insurance has actually gone down In price somehow after going on trt and a bipap.

 

[Got Insulin? - We do!]

Do yourself a favor and self-test and self administer. These TRT companies are ripping you off and they’re ran largely by idiots.

This is probably a dumb question: but how do you self-test?

 

[Got Insulin? - We do!]

If you are hypogonadal and start trt it could affect life insurance by putting you into a different risk pool and increasing your premium. Depends on the policy and underwriting process of the company. Should not affect health insurance premiums.

Source: Used to sell life insurance

Awesome. I appreciate it!

 

[Got Insulin? - We do!]

Do you already have life insurance? I could see it potentially effecting the rates for that. My health insurance has actually gone down In price somehow after going on trt and a bipap.

Yes, I already have life insurance. I'm just concerned that, say I died, they'd look for any reason not to pay out. so they test me, find out what I'm on, and my wife and family is screwed.

 

[Oig2214]

This is probably a dumb question: but how do you self-test?

Google where to get blood work and pick the blood work you want. Goodlabs has cheap options but you have to research what tests to do specifically

 

[17SS]

Yes, I already have life insurance. I'm just concerned that, say I died, they'd look for any reason not to pay out. so they test me, find out what I'm on, and my wife and family is screwed.

I just see that as being accident related toxicology testing, maybe? They shouldn’t look at hormone levels?

But some of these insurance companies seem to be more bent on screwing people over than others.