Life Insurance for Bactroban users.
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 Bactroban or its generic form Mupirocin to treat a variety of different skin infections.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been prescribed Bactroban?
- Why do life insurance companies care if I’ve been prescribed Bactroban?
- 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 Bactroban?
Yes, individuals who have been prescribed Bactroban in the past should still be able to qualify for a traditional term or whole life insurance policy. This is because, unlike many other modern prescription medications, Bactroban really is only used to help folks treat minor skin infections.
Which means that…
When a life insurance underwriter notices that an individual has been prescribed Bactroban, they’re not going to necessarily be all that worried that it might be being used to treat a “serious” pre-existing condition like many other antibiotics can be used for.
Why do life insurance companies care if I’ve been prescribed Bactroban?
In general, what you’re likely to find is that most (if not all) life insurance underwriters aren’t going to be all that concerned with the fact that you have been prescribed Bactroban in the past. In fact, the only reason why they would likely learn about the fact that you have been prescribed Bactroban in the first place is because it will “automatically” appear on a prescription database check which will likely be ordered once you decide to apply for coverage.
This the fact that a life insurance company would order such a report isn’t really that big of a deal because this is what would be considered standard practice any time one applies for a traditional term or whole life insurance policy. That said however, if you’re currently taking Bactroban at the time of your life insurance application, it’s possible that you may be asked a few questions about “why” you’ve been prescribed Bactroban prior to a life insurance underwriter making a decision about your life insurance application.
What kind of information will the insurance companies ask me or be interested in?
If you are currently taking Bactroban at the time of your life insurance application, it is possible that you may be asked a few questions about “why” your taking it so that a life insurance underwriter can feel totally comfortable about moving forward with your life insurance application.
A life insurance underwriter’s whole job is to “worry” so it’s natural that he or she would want to know things like:
- Why have you been prescribed Bactroban?
- How long have you been taking it?
- When do you anticipate your treatment ending?
- What symptoms are you currently experiencing?
At which point, a life insurance underwriter may choose to move forward with your life insurance application or may choose to “postpone” your application until which point your infection has cleared and the insurance company can be certain that you are suffering from any linger effects.
What rate (or price) can I qualify for?
Now assuming that your infection has cleared up and that you’re not experiencing any “residual” effects of your infection, one would expect that having had been prescribed Bactroban in the past should not have any affect on the outcome of your life insurance application what so ever. Or in other words if you were able to qualify for a Preferred or Preferred Plus rate class prior to having been prescribed Bactroban, once your infection clears, you should still be able to qualify for such a rate.
Which brings us to the last topic that we wanted to take a moment and discuss here in this article 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!