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If I'm getting my T-levels tested, will that affect my health/life insurance?
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This is probably a dumb question: but how do you self-test?Do yourself a favor and self-test and self administer. These TRT companies are ripping you off and they’re ran largely by idiots.
Awesome. I appreciate it!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
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.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.
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 specificallyThis is probably a dumb question: but how do you self-test?
I just see that as being accident related toxicology testing, maybe? They shouldn’t look at hormone levels?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.

ok, so you have to send it in after taking the sample?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
Would it still be an issue if I did trt with a doctor vs on my own?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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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.
If you got it prescribed by a doctor and told the insurance company about it, it would not be an issue. Just a possible increased premium.Would it still be an issue if I did trt with a doctor vs on my own?
