Life Insurance for Tenormin users.
In this article, we wanted to take a moment to answer some of the most common questions we get from folks applying for life insurance after they have been prescribed Atenolol or its generic form Tenormin to treat their hypertension (high blood pressure) or angina (chest pain). Atenolol has also been found useful to help reduce the risk of death after a heart attack as well.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been prescribed Atenolol?
- Why do life insurance companies care if I’ve been prescribed Atenolol?
- 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’s dive right in!
Can I qualify for life insurance after I’ve been prescribed Atenolol?
Because Atenolol is used to treat a variety of pre-existing medical conditions (all related to one’s heart), what you’re going to find is that some folks who have been prescribed Atenolol will be able to qualify for a traditional term or whole life insurance policy while others may not.
Whether an individual will be able to qualify for coverage will come down to:
“Why has and individual been prescribed Atenolol?”
If it’s because of some “type” of cardiac event that caused them to be prescribed Atenolol,
“How long ago was that event?”
If you’ve simply been prescribed Atenolol because you suffer from high blood pressure, and you have now been able to get that blood pressure under control, there is a really good chance you may be able to qualify for a traditional term or whole life insurance policy.
Heck, you may even be able to qualify for a no medical exam life insurance policy at a Preferred rate!
You’ve just recently suffered from a heart attack and been prescribed Atenolol as a preventative medication to increase your chances of survival and/or decrease your chances of suffering from another heart attack or stroke; chances are you will not be able to qualify for coverage for quite some time!
The same holds true…
For those suffering from angina, before age 40 or in conjunction with also suffering from a heart attack at some point in your life.
This brings us to our next question, which is…
Why do life insurance companies care if I’ve been prescribed Atenolol?
The main reason why life insurance companies “care” that an individual has been prescribed Atenolol is because, in addition to being a common medication used to help folks maintain a healthy blood pressure level, it can also be prescribed to individuals who suffer from angina or who have recently suffered from a heart attack!
And it is those…
Pre-existing medical conditions, which will be the main reason why a life insurance company is going to take special note of the fact that you have been prescribed Atenolol. But that doesn’t mean that taking Atenolol is necessarily a “bad” thing; it just means that you’re likely going to have to answer some additional questions about your Atenolol prescription before being approved coverage.
What kind of information will the insurance companies ask me or be interested in?
- Why have you been prescribed Atenolol?
- Who prescribed your Atenolol? A general practitioner or a cardiologist?
- When where you prescribed Atenolol?
- Is Atenolol the only prescription medication that you’re currently taking now?
- In the past 12 months, have any of your prescription medications changed in any way?
- Have you ever suffered from a heart attack or stroke?
- If so, when?
- Have you ever suffered from chest pain or been diagnosed with angina?
- If so, when?
- How well is your Atenolol doing in maintaining your blood pressure levels?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability benefits?
What rate (or price) can I qualify for?
In order to give someone a “somewhat accurate” idea about what kind of life insurance rate an individual might be eligible for after having been prescribed Atenolol, its probably best to examine each “reason” why an individual may have been prescribed Atenolol in the first place.
Hypertension patients only:
If you’ve simply been prescribed Atenolol to help control your blood pressure levels, and you’re able to demonstrate that it is working, most life insurance companies will still consider you eligible for a Preferred rate assuming that you would otherwise be eligible had you not been prescribed Atenolol for your hypertension.
Applicants who have been prescribed Atenolol help them manage their angina symptoms will generally be considered a “high risk” applicant by most life insurance companies and may even be considered “uninsurable” if they were diagnosed with angina prior to age 40.
That will come into play will include whether or not an applicant has also suffered from a heart attack (myocardial infarction) and/or what the results of an angiography show. That said, however, we should point out that many of these individuals can and often will qualify for a traditional term or whole life insurance policy, only now they will need to be much more selective with “which” life insurance company they choose to apply with.
Recent heart attack survivors.
Individuals who have been prescribed Atenolol after recently suffering from a heart attack may still be considered eligible for coverage provided that their heart attack occurred after their 40th birthday. They seem to have made a full recovery with no linger complications. Now clearly most life insurance companies aren’t going to want to ensure you 24 hours after you suffered from your heart attack so you’ll probably need to demonstrate a clean bill of health for a period of time which can and often will vary from one insurance company to the next, but the good news is that this event probably won’t permanently eliminate your chances at being able to qualify for coverage in the future.
This brings us to the last topic that we wanted to discuss here in this article, which is…
What can I do to help ensure that I get the “best life insurance” for me?
In our experience here at IBUSA, what we have found that works best for folks who have been diagnosed with a pre-existing medical condition where the “severity” of the condition is often “subjective” is for the applicant to make sure that they first find a true-life insurance professional who will work as an advocate for you.
Such an agent…
Will not only help guide you through the application process but also be perfectly “frank” with you about what options may or may not be possible for you.
You’ll also want to make sure that the very same agent you have chosen has access to dozens of different life insurance companies because after all, it really doesn’t matter how “great” of a life insurance agent you might have if they don’t have access to the “best” life insurance policy for you! Now, does it?
You’ll want to make sure that you’re completely honest with your life insurance agent before applying for coverage. By doing so, you will be helping him or her narrow down what options might be the “best”.
Now, will we be able to help out everyone who has been prescribed Atenolol?
No, probably not. But what we can tell you is that in addition to offering a wide variety of different term and whole life insurance policies, IBUSA has also worked very hard to establish relationships with many of the Best Final Expense Insurance Companies as well.
If someone isn’t able to qualify for a traditional life insurance policy, chances are there may be some other “type” of product that you CAN qualify for.
So, if you’re ready to see what options might be available to you, just give us a call!