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american national life insurance review
Life Insurance Companies Test For Drugs
While most people take medication for their treatment or the recovery of an illness, there are also those that abuse narcotics and other drugs which will be revealed in a life insurance screening. Life Insurance Underwriting and drugs Yes, many life insurance companies carry out drug screenings.
This is a method used by every life insurance company. They use a pre-existing medical condition as a way of discovering any underlying problems such as drug addiction.
If your blood tests positive for any form of drug, then your life insurance company will most likely refuse to insure you. Most likely, if you have had a long history of drug use and addiction, this will prevent them from insuring you.
If a life insurance company discovers that you have used or are addicted to narcotics, then they will probably not accept you for insurance. If they do accept you, however, you may be asked to pay a higher premium. The reason for this is because they are being cautious because there is always the possibility that they will not need to use it again. In fact, if they don't find drugs, then they will probably deny you.
However, a life insurance company will not decline someone just because they are using drugs, or because of the reason stated above. They will simply do a pre-existing medical screening.
In this case, they will look for evidence of drug use whether that be by inhalation injection, or oral ingestion. This can include taking alcohol or other medications.
If your life insurance company determines that you are using drugs, then they will deny you, because they have determined that the problem was too severe and that you cannot be helped. They have found your problem and have concluded that you cannot overcome it on your own, so they will reject you and look for other sources of coverage.
If your life insurance company does reject you based on these grounds, then the next step is to try and get your money back. car insurance can then go to another company, but you may want to consider switching to another company entirely.
In some cases, a life insurance company will be willing to change their policy to accept people with clean records, who only use the medication for medicinal purposes. If this is the case, then you can still receive a life insurance policy if you pay more than the standard premium for a policy with higher premiums.
There are also some insurance companies that will refuse to insure a person if they have ever been convicted of a crime involving drugs. Although they will probably never deny someone this application, they may not provide you with any type of refund. if you are denied.
There are linkedin of insurance companies that require a complete history of drug abuse or dependence before they will offer you a policy. You should look into these policies thoroughly before you start applying.
The above scenarios can make it very difficult for some people to apply for life insurance. However, if you are determined to use drugs, then you may want to consider the above scenarios before you apply.
There are auto insurance el cajon ca that you must take into consideration when you try to obtain life insurance with this issue. If you are denied, then there are other avenues to try to get your money back including bankruptcy or filing a lawsuit.
If you cannot get the life insurance company to change their mind on this matter, then you might want to find another insurance company. You can try several different companies until you find one that will agree with you on this issue. Remember, the insurance companies do not want to give out money to people who are addicted to drugs.
One last thing to think about is that if you are offered a life insurance policy that states that you can use drugs as long as you continue to take the pills, you may want to ask the insurance company why this is the case. This might be a case where you are not in need of life insurance at all but would like to purchase a life insurance policy anyway.
Do not assume that life insurance companies are only going to give you money for your burial costs or your funeral expenses. Many life insurance companies test for drugs, just to determine if you are worthy of having a policy in the future.
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