Can Blood Testing affect Insurance?

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
 
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.
 
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.
 
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.
 
I never thought about this, but it's a valid concern.

Let's say you randomly keel over dead with a heart attack, stroke, aneurysm, etc. If an investigation is launched, they will likely find out about your PED use from interviewing family, friends, or searching your house.

Another scenario is if you are being treated in the hospital for a life threatening condition and you tell the doctors about your PED use to help save your life, and then you die.

In both scenarios, insurers will fight tooth and nail to deny your claim, and will likely be successful.

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/https://www.lifeinsuranceattorney.com/blog/2025/may/experimental-treatments-and-denied-life-insuranc/

If you died from a car crash, falling and bonking your head, or other reasons of that nature, you'd probably be fine as there would likely not be as thorough of an investigation, and as @17SS said, the toxicology from those instances would likely not discover PED use.

If you are using PEDs, life insurance claims being denied is a big risk.

Edit: This post is referring to the use of illegal PEDs. If you are legally prescribed PEDs, and tell your insurance company about them, you have nothing to worry about other than possible increased premiums.
 
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