Sorry I should have explained more. Yes in a way you are correct. This is for "whole life" insurance not "term life" and let me tell you guys about it FYI. Term life you just pay a premium and if you die while you have been paying the premium they pay whoever you want to get the money at your death; but the policy has no cash surrender value. Whole life is a much better investment in that you start paying into it when you are young (35-40 or less usually to get a reasonable rate). The money is invested in mutual funds etc, (conservative investments) during your lifetime and it accrue's a "cash surrender value" at approximately 10 years equal to the value you have put into it over the ten years. Each year after that the cash value is higher then you have put in for the total of the number of years. By the time you are 65 (or 60) you stop paying the premium and the total cash value of the policy is a little more then double the total amount you have deposited over the years (assuming an modest 8% return on average over 30 years). During the duration of th policy your money is growing tax free and anytime after 10 years you can withdraw the cash value of the policy as a "loan" against the payout of the policy (when you die). The benefit is that the "loan" is not taxable as income and does not have to be payed back during your life.
This is far off topic though. The bottom line is I am thirty and they want to see the likelyhood that I am going to die so they won't have to pay out on the policy for a number of years until I have already paid in the face value of the policy. The do a number of blood tests like, Drug Screen, HIV, Cholesterol, CBC, etc to see if there are many markers for sudden death or a likely cause of death.
My fears are that something in my supplement regimine will screw up my cbc and make me look like I am going to keel over. Or raise my liver enzymes so that it looks like I am going to have liver failure, etc.
As an update to the purpose of this post. I dropped the Clen yesterday not because of the side effects but because my weight was starting to actually "increase" . My diet has been the same, cardio the same etc. The only change was on Sunday I added the Clen and then my weight plateaued at the beginning of the week and by Wednesday night I had actually gained about 1/2 to 1 pound. This is unusual since I have been losing 5 pounds a week on average. I also looked tremendously better (fuller) by that point. But I got to make the weight by next Saturday and then I can focus on training, and a few weeks after that appearance. So at this pont no Clen. The only thing I forgot to mention in the list above was 600mgs of 7-oh Diprop per week to keep Cortisol in check. Does the 7-OH F*&^ with HDL levels?
Mr.50