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Buying life insurance after being prescribed Ambien (Zolpidem).


Life Insurance while taking Ambien.

In this article, we wanted to take a moment and try and answer some of the most common questions we get from folks applying for life insurance after they have been prescribed Ambien or its generic from Zolpidem to treat their insomnia.

Questions that will be directly addressed will include:

  • Can I qualify for life insurance after I’ve been prescribed Ambien?
  • Why do life insurance companies care if I’ve been prescribed Ambien?
  • What kind of information will the insurance companies ask me or be interested in?
  • What rate (or price) can I qualify for?
  • What can I do to help insure that I get the “best life insurance” for me?

So, without further ado, let’s dive right in!

Can I qualify for life insurance after I’ve been prescribed Ambien?

Yes, you certainly can qualify for life insurance after you’ve been prescribed Ambien.  The problem is, you can also be denied coverage as well.  You see while Ambien isn’t a medication that is used to treat a life-threatening medical condition, it’s use (or should we say abuse) can in some situations cause some life insurance companies to be wary of approving someone of coverage.

Why do life insurance companies care if I’ve been prescribed Ambien?

Life insurance companies really only begin to take notice of someone’s “Ambien” use if it appears to have become an issue for them personally.  You see, while it is true that Ambien is a “less addictive” alternative to many other sedative-hypnotic medications available to those hoping to treat their insomnia, it is still an addictive substance, and it can still be abused.  This is why one shouldn’t be surprised if an insurance underwriter asks a few questions about ones Ambien use prior to being approved or denied coverage.

What kind of information will the insurance companies ask me or be interested in?

Common questions one might be asked by an insurance underwriter regarding their Ambien use may include:

  • When were you first prescribed Ambien?
  • Who prescribed your Ambien to you? Your primary care physician or a specialist?
  • How often do you take Ambien? Daily?  Once or twice a week?  Once or twice a month?
  • Has your Ambien prescription changed over the past 12 months?
  • Do you have any history of drug or alcohol abuse?
  • Are you currently working now?
  • In the past 12 months have you applied for or received any type of disability benefits?

From here, we’ll generally have a pretty good idea about what “kind” of insurance you may or may not be eligible for as well as what rate you might be expected to pay.  Additionally, here at IBUSA, we’ll also have a pretty good idea “which” insurance company may provide you with the best opportunity for success.

What rate (or price) can I qualify for?

The nice thing about having been prescribed Ambien is that assuming that you would otherwise be able to qualify for a Preferred or Preferred Plus rate, it’s presence shouldn’t have any affect on the outcome of your application.  That is of course assuming that you don’t present any signs of someone abusing this medication and that you would otherwise be able to qualify for such a “optimal” price point.

Because you see…

Just because having been prescribed Ambien in the past, or just because you currently use Ambien to treat your insomnia won’t necessarily preclude you from being able to qualify for a Preferred Plus rate class doesn’t mean that there aren’t 100 other reasons that could!

For example…

Insurance companies use a wide variety of variables to determine whether or not someone may be able to qualify for a preferred rate.  Variables ranging from ones:

  • Height and weight ratio
  • Family medical history
  • Driving record
  • Criminal background
  • Travel preferences
  • Hobbies
  • Employment choices
  • Etc…

Which is why it’s important to understand why “certain” life insurance companies may be better for you personally vs another.

What can I do to help insure that I get the “best life insurance” for me?

Probably the most important thing that an individual can do to increase their chances at buying the best life insurance policy that they can qualify for is to first make sure that they “shop” their options.  You see, when it comes time to applying for life insurance, while there are a lot of great life insurance companies out there, for folks with pre-existing medical conditions like insomnia, there are certainly some companies that are much “better” than others.

You see…

When it comes to deciding who an insurance company will and won’t insure, each company is free to make up their own rules/guidelines.  As a result, what you’re going to find is that certain companies can “tend” to be more lenient when it comes to certain pre-existing medical conditions or lifestyle choices.  This is why…

It’s important to choose an insurance agency that has access to dozens of different life insurance companies so that in addition to just seeking out which company “might” be the “best” for you if you’ve been prescribed Ambien, they can also look for the “best life insurance” for you if you’ve been prescribed Ambien  and you’re a little bit overweight too!

So, what are you waiting for?  Give us a call here at IBUSA and see what we can do for you!

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