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 Astelin or its generic form Azelastine to treat inching in the eyes commonly caused by allergies.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been prescribed Astelin?
- Why do life insurance companies care if I’ve been prescribed Astelin?
- 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 ensure that I get the “best life insurance” for me?
So, without further ado, let’ dive right in!
Can I qualify for life insurance after I’ve been prescribed Astelin?
Yes, individuals who have been prescribed Astelin can and often will be able to qualify for a traditional term or whole life insurance policy. This is because this is a medication that is typically only used to help folks fight on seasonal allergies, and isn’t really prescribed to anyone who might be suffering from a “life-threatening” medical condition.
Why do life insurance companies care if I’ve been prescribed Astelin?
Life insurance companies only really care that you’ve been prescribed Astelin, because it is their job to worry and minimize their own potential risk when determining who they will and won’t insure. The tricky part is, that they also don’t want to spend too much time or man power hours asking 1000’s of questions about every applicants life history.
This is why…
If a life insurance underwriter does decided to ask you some additional questions about your Astelin prescription, it’s probably just going to be some rather “generic” questions or it could be because there is something else about your medical history which is making him or her want to learn more before moving forward with “processing” your application.
What kind of information will the insurance companies ask me or be interested in?
In our experiences here at IBUSA, we usually only see additional questions being asked of an individual who has been prescribed Astelin when they have either been prescribed some other “type” of medication in addition to Astelin or when an individual seems to have other health issues that could be an issue.
In cases like these…
Insurance underwriters may want to know the answers to questions such as:
- Why were you first prescribed Astelin?
- How often do you take Astelin?
- Are you taking any other medications to help you deal with your allergies?
- Do you know what exactly you are allergic to?
- Have you ever needed to be hospitalized due to an allergic attack?
- Have you developed or are you experiencing any issues with your vision as a result of these allergic attacks that you are suffering from?
- When was the last time you suffered from an attack?
- How often do you suffer from attacks?
- In the last 12 months, have you ever used any tobacco or nicotine products?
What rate (or price) can I qualify for?
Now assuming that you’re simply using your Astelin prescription to treat mild to moderate seasonal allergies, chances are its presence is not going to play any role in the outcome of your life insurance application.
Which means that…
If you would otherwise be able to qualify for a Preferred or Preferred Plus rate, you should still be able to do so even though you’ve been prescribed Astelin. That said however, if it turns out that your Asteline prescription is simply one of many factors contributing and/or treating a larger more serious medical condition or allergy, having been prescribed Astelin isn’t really going to matter all that much because its this more serious underlying pre-existing medical condition which will take priority in determining whether or not you’ll be able to qualify for coverage.
The good news is…
That here at IBUSA, we have all sorts of experience helping those with and without any kind of pre-existing medical conditions and make it our number one goal to not only help you find the “best” life insurance policy that you can qualify for but also help you understand the differences between the different life insurance policies out there so that you’ll be knowledgeable enough to know which one is right for you!
Which brings us…
To the last topic that we wanted to discuss today which is…
What can I do to help ensure that I get the “best life insurance” for me?
Because life insurance companies tend to use a lot of “random” factors in determining who the will and won’t insure, and at what price, we here at IBUSA have found that the “best” way for us to be able to ensure that our clients are able to find the “best” life insurance policy that they can qualify for is to be sure to know our STUFF and offer a TON of options.
By only employing true life insurance professionals who have tons of experience helping folks with all sorts of pre-existing medical conditions and then providing them with tons of options to offer their clients, we here at IBUSA truly do offer a one stop shop for folks looking to protect their family.
Which is why…
Our advice to anyone looking to purchase a life insurance policy is to be sure that the insurance agent that they choose to work with is truly an expert and that he or she has dozens of options for you to consider, because even if they are the greatest life insurance agent in the world, if they don’t have access to the “best” life insurance policy for you what good is that going to do you?
What are you waiting for? Give us a call today and let us earn the right to protect your family today!