Life Insurance for Avapro 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 being prescribed Avapro or its generic form Irbesartan treat their high blood pressure (hypertension) or to treat diabetic nerve pain.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been prescribed Avapro?
- Why do life insurance companies care if I’ve been prescribed Avapro?
- 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 Avapro?
When it comes time to determine whether an individual can qualify for a traditional term or whole life insurance policy after being prescribed Avapro, its all going to come down to “when” and “why” you’ve been prescribed Avapro.
If you’ve simply been prescribed Avapro to help you manage your blood pressure levels, chances are, you’re not going to have a problem qualifying for coverage assuming that it is working!
Where we run into trouble is…
When an individual has been prescribed Avapro to help them either eliminate or minimize the neurotic nerve pain they are experiencing as a result of their diabetes. In cases like these, if they are currently using Avandia for this reason and/or they are currently suffering from diabetic nerve pain, then it is doubtful that they will be able to qualify for a traditional term or whole life insurance policy right now.
Why do life insurance companies care if I’ve been prescribed Avapro?
Life insurance companies “care” if an individual has been prescribed Avapro because it is a prescription medication that can be used to treat two totally separate medical conditions, one of which will usually trigger an automatic denial of coverage.
This is why…
Once a life insurance underwriter learns that you’ve been prescribed Avapro in the past, he or she will likely want to ask you a series of medical questions about this prescription so that they can get a better idea of what “kind” of risk you will pose to them as a possible insured.
What kind of information will the insurance companies ask me or be interested in?
Common questions you’ll likely be asked once a life insurance underwriter learns that you’ve been prescribed Avapro will usually look something like this:
- When were you first prescribed Avapro?
- Why prescribed Avapro?
- Was it to help you lower your blood pressure?
- If so:
- Who prescribed your Avapro? A general practitioner or a cardiologist?
- How long have you been taking your Avapro?
- Is this the only medication that you’re using to treat your high blood pressure?
- Have you ever been diagnosed with any other medical conditions such as heart disease, stroke, or diabetes?
- How well is Avapro working to control your blood pressure?
- In the last 12 months, has your Avapro prescription changed in any way?
- Was it to help you manage diabetic nerve pain?
- If so:
- Are you still taking Avapro now?
- Do you still suffer from diabetic nerve pain?
- What is your daily blood sugar levels?
- When was the last time you had your A1C checked? And what was that score?
- What are your current height and weight?
- In the past 12 months, have you used any tobacco or nicotine products?
- 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?
When it comes time to determine what kind of “rate” an individual can qualify for, what you’re generally going to find is that if you’ve been prescribed Avapro to help you lower your blood pressure and it’s working, in theory, you still should be able to qualify for a Preferred rate when applying for a life insurance policy assuming that you would otherwise be eligible for such a rate.
“Which is great!”
But not so great…
For those who have been prescribed Avapro help them treat or minimize their diabetic nerve pain. Because in cases like these, what you’re generally going to find is that if you’re still taking Avapro to alleviate this pain, most (if not all) life insurance companies are going to deny your application for a traditional term or whole life insurance policy.
Here at IBUSA…
After first exhausting, all “traditional” options will then typically advise clients in this situation to take a look at some “alternative” products that won’t require them to have to be able to “medically qualify”. Products such as a guaranteed issue life insurance policy or an accidental death policy.
This brings us to the last topic that we wanted to take a moment and discuss, 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 Avapro?
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!