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