Life Insurance Advice Needed
I am hoping to find some guidance here, I really need some help with this.
TLDR: What's the best way for an otherwise healthy male to get coverage with a questionable history of illicit drug usage.
Let me first start out by saying I do not use illegal drugs anymore. Ten years ago I overcame a wicked opiate addiction through a methadone program. That chapter of my life is thankfully over. The instance that concerns me is four years ago (January 2020) I went in for a minor outpatient surgery on my hand. Two days prior I had done a bump of something very numbing while on vacation in Las Vegas (first time I had been there, haven't been back since). After the surgery I am getting my clothes on and the nurse came in and stated the surgeon was very upset with me because I didn't disclose what I had ingested. They seemed to know somehow. Had I known I was going to be tested I never would have actually gone in for surgery. If I had a crystal ball I never would have indulged, either. Anyway, I was a completely different person four years ago, I now have a mortgage, great wife and two fantastic kids. I'm in my mid-thirties and am working on my career. Needless to say it was a stupid decision, especially before going into surgery. I spoke with a broker advisor and explained the situation. He recommended I apply, and if I am denied just wait it out until enough time has passed. My question is, am I a fool for even applying? If I do apply and get denied, wouldn't the denial also be very bad (admitting on the next application that I have been denied)? Is it possible the results of the test don't actually exist, I never got any actual results, I definitely didn't consent to it, and how were they able to test my blood during the likely less than 1 hour I was in surgery? How do I go about verifying this is in fact on my medical record? It is possible I was still groggy and misheard the nurse or misinterpreted what she said. What if I disclose this on an application, and there's actually no record of it? I'm tying myself into knots over this, any advice here would be very much greatly appreciated. I really screwed myself and I'm not sure what would be a logical next step.
submitted by /u/Sweaty-Biscotti7685
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