smokinandjokin305

hey guys im gonna put out the facts plain and simple and i'm looking for any help anyone's got...

1. i smoke like a gram a day on average since june 2007.
2. i have a "life insurance medical exam" coming up in about 13 days.
3. i have to get clean before then (i think, if i dont tell me)

what do i do? (its the type of test where they come to ur house if that helps)

Southernneighbor

I'm not from the States, but from where I am you don't need a medical test for life insurance, only for health insurance (and in some cases, I didn't even got tested for health insurance) so I don't know what kind of tests they make.

I am no expert but I've been getting very well informed in the last weeks because I also have a test coming up. (I've been 9 days clean)

IMHO you are pretty dirty and I don't know if dilution will work in 13 days. Try it a day before with a home test. I'd go for subbing, read the "substitution" sticky subject in the top of the forum.

Good luck mate, this tests can really stress you up. I know for myself.

Hadley77

Life insurance medical exams usually test for marijuana, either through blood, urine, or hair follicle testing.

If your system isn't clean and you get declined due to testing positive for marijuana, the results are kept on file with the Medical Information Bureau.

The M.I.B. keeps results of life insurance medical exam testing for life insurers to check and see if people have applied for life insurance previously, and what their results were.

There are other options for life insurance, such as, term life insurance no medical exam required. They ask a few health questions, but there are no medical exams, blood or urine tests.

However, you should always be honest, and answer all questions on the life insurance application truthfully. If you do lie, and you pass away as a result of the medical condition you lied about, the insurance company may decline the claim.

Edited and link taken out. Enough with the advertising.