Life insurance a little off topic but....

[Taxi Driver]

I am looking to get life insurance since my wife is pregnant and we are going to build a house. We were planning on getting two policies each one term and one whole policy. The term will be $350,000 and the whole life policy will be $150,000. I realize that investing money would yield higher returns, but I am after the locked rate that it comes with. Here is the problem or problems I have a history of health issues and have been doing research. Here are the problems thyroid issues (controlled), high blood pressure (uncontrolled usually around 130/80-140/90 the higher is more rare), overweight (6' tall 290 pounds), and I take 5 mg of lexapro a day to help with anxiety not depression (half of the lowest dose available.). I also have low test I am holding of to see if a this regimen of meds, vitamins and diet raise it at all., but I am a little scared that I may have to add test, hcg and arimidex to the list. Do I have to disclose these things or is it based on the medical exam? Obviously this is something that would be better not left to chance.

Am I uninsurable? I am down from 320 pounds in less than three months. Should I continue losing weight and get the policy later or bite the bullet and do it now? Anyone have any experience with this?

 

[JanSz]

I am looking to get life insurance since my wife is pregnant and we are going to build a house. We were planning on getting two policies each one term and one whole policy. The term will be $350,000 and the whole life policy will be $150,000. I realize that investing money would yield higher returns, but I am after the locked rate that it comes with. Here is the problem or problems I have a history of health issues and have been doing research. Here are the problems thyroid issues (controlled), high blood pressure (uncontrolled usually around 130/80-140/90 the higher is more rare), overweight (6' tall 290 pounds), and I take 5 mg of lexapro a day to help with anxiety not depression (half of the lowest dose available.). I also have low test I am holding of to see if a this regimen of meds, vitamins and diet raise it at all., but I am a little scared that I may have to add test, hcg and arimidex to the list. Do I have to disclose these things or is it based on the medical exam? Obviously this is something that would be better not left to chance.

Am I uninsurable? I am down from 320 pounds in less than three months. Should I continue losing weight and get the policy later or bite the bullet and do it now? Anyone have any experience with this?

Stop eating high GI, medium GI carbohydrates, stuff that grow below ground.

Drink tap water, eat faty meats, fish, liver, eggs (use only steam to prepare food)
and
green vegetables, as many (variety of) spices as you need,
best if you juice a lots of green vegetables so the juice is about 1/3 of you water intake.


That should help you loose weight.
But do not loose more than 5#/week
30# in three months is ok, but not much faster (hard on liver, all this fat have to go thru liver)
Get some good liver support.

You have to do real good adrenals analysis and electrolytes.
If you have that under control
there is a good chance that you will wean off of you blood pressure meds.

To support your
adrenals
thyroid
lipid profile

get Spectracel-5000 (all available micronutrients and Lipoprotein Particle Profile)

Eat what the report will tell you.
Post results here, I will make sure all is covered.

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[HereToStudy]

As for the insurance, I used to work for northwestern mutual. These questions will all come up on an application for life insurance, remember to only answer the question and share no additional details. There will also be an in home paramed, same rules apply. I wasnt there long enough to tell you what your Rate % will be, but dont expect a preferred rate. The fact of the matter is agents want the sale, so if its something that isnt completely necessary to disclose, they should be pretty open with this. Also not sure if you have an agent, but I wouldnt do a whole life policy with any company but Northwestern Mutual (no, I do not work there anymore). Seriously those policies wrote themselves when performance was compared to other whole life policies. Get the term anywhere, doesn't really matter.

 

[thenxtgrt1]

The insurance company will run a MIB (Medical Information Bureau). This is basically a record of your medical history. And they will also run a RX report which will show prescription drugs that you have taken. If you feel that you will need a treatment in the future or eventually be prescribed certain medications, no need to mention that.

 

[Taxi Driver]

Stop eating high GI, medium GI carbohydrates, stuff that grow below ground.

Drink tap water, eat faty meats, fish, liver, eggs (use only steam to prepare food)
and
green vegetables, as many (variety of) spices as you need,
best if you juice a lots of green vegetables so the juice is about 1/3 of you water intake.


That should help you loose weight.
But do not loose more than 5#/week
30# in three months is ok, but not much faster (hard on liver, all this fat have to go thru liver)
Get some good liver support.

You have to do real good adrenals analysis and electrolytes.
If you have that under control
there is a good chance that you will wean off of you blood pressure meds.

To support your
adrenals
thyroid
lipid profile

get Spectracel-5000 (all available micronutrients and Lipoprotein Particle Profile)

Eat what the report will tell you.
Post results here, I will make sure all is covered.

//////////

==================

Thanks JanSz I lost weight by eating red meat, chicken thighs, salmon, eggs, broccoli, salads..... I stay away from liver, because I have high uric acid the last time I tested. I drink mostly water, but I also drink diet soda once in awhile also I eat a serving of a low carb high protein cheesecake once in a while. I got the recepie from the recipe section on this board. I take a few meds, vitamins and supps mentioned in my other recent thread along with that. I know I should cut out the diet soda and cheesecake. I haven't started taking blood pressure medication yet. My blood pressure maxes at 140/90 but is usually like 130/80 or a little higher. In the morning it is lower like 127/84. I am hoping the weight loss will be enough. I was prescribed a bunch of blood work that I will post in my other thread when I get the results. It should be in about 3-4 weeks from now.

 

[Taxi Driver]

The insurance company will run a MIB (Medical Information Bureau). This is basically a record of your medical history. And they will also run a RX report which will show prescription drugs that you have taken. If you feel that you will need a treatment in the future or eventually be prescribed certain medications, no need to mention that.

Ouch here is what they will see then:

viagra- took for about two years. I think it was performance anxiety, because I don't need it anymore

xannax- prescribed for anxiety once I quit taking it after a while it just made me "out of it"

bromocriptine- tested high for prolactin stopped taking it, because I felt better at first then it went away and I felt like crap again

Now after seeing a good Dr i am on:

Lexapro- for anxiety no depression or thoughts of suicide

arimidex- to see if lowering estrogen will help raise test levels

levothyroxine- for thyroid

Naltrexone- to help with sleep it is usually used for opiate or alcohol addicts, but I have trouble with shutting of my mind when going to sleep. the doctor I m seeing said this will help if I take it. I haven't started yet though.

In the future if weight loss doesn't help I will need to take a bp med. Also if I start trt I may take hcg also.

I know my weight is causing a lot of my problems and I think also a hormonal imbalance is to blame too. I am slowly making my way through the wrong treatments into the correct ones and it seems in regards to insurance I am being punished for it.

I went to MIB website and am going to request my free copy of my file.

 

[Taxi Driver]

As for the insurance, I used to work for northwestern mutual. These questions will all come up on an application for life insurance, remember to only answer the question and share no additional details. There will also be an in home paramed, same rules apply. I wasnt there long enough to tell you what your Rate % will be, but dont expect a preferred rate. The fact of the matter is agents want the sale, so if its something that isnt completely necessary to disclose, they should be pretty open with this. Also not sure if you have an agent, but I wouldnt do a whole life policy with any company but Northwestern Mutual (no, I do not work there anymore). Seriously those policies wrote themselves when performance was compared to other whole life policies. Get the term anywhere, doesn't really matter.

I mean if you look at the above what I have written so far. If I wanted say a $200,000 whole life policy from Northwestern Mutual what do you think a range for monthly premium would be $100 or more? You know like a best worst case scenario. Just a guess based on your experience. Also my doctor would talk to them about the lexapro he is a cool doctor that really knows his stuff. For my weight, bp problems and hormonal problems I am otherwise completely healthy and my blood work was suprising to my pcp. I also don't do drugs, never been in trouble with the law, no accidents or duis at all.

Is it better to have borderline hypertensive 130/80-140/90 or be on bp meds while applying?

I also sent you a pm

 

[striad]

Maybe i missed it, but how old are you? I could probably get you some estimates.

One thing to keep in mind is that once you are turned down for life insurance then good luck getting it anytime soon. Once your turned down, all other companies will be able to see that on the MIB. So, i would probably lose some more weight before applying. Gives you a better chance of being approved and it would get you a better rating.

Your build, coupled with some of your conditions could spell trouble for you, so losing weight would certainly help. As mentioned above, don't elaborate on too much, but i would go into detail about the things that they will find in your records such as your medication. For example, be sure to explain that you have anxiety and not depression.

 

[pcproffy]

They don't really care why you are taking a medication. They just care what you are taking and how much.

And its true, you don't want to be turned down for insurance so talk with several companies to find out who will handle your situation most favorably.

Another thing is most policies have a 2 year contestable period. If you die after 2 years they can't refuse to pay the policy because of errors on the application.

Finally, I don't know your situation but I would question needing that much whole life. Consider something like $50k with a cost of living increase.

Any of the big name places should be fine: NYL, NWM, Metlife, AIG.