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Life Insurance for Benicar (Olmesartan) Users. Everything You Need to Know at a Glance!


Life Insurance for Benicar 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 Benicar or its generic form Olmesartan in an effort to treat their high blood pressure (hypertension).

Questions that will be directly addressed will include:

  • Can I qualify for life insurance after I’ve been prescribed Benicar?
  • Why do life insurance companies care if I’ve been prescribed Benicar?
  • 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 Benicar?

Yes, individuals who have been prescribed Benicar to help them achieve and maintain a health blood pressure level can and often will be able to qualify for a traditional term or whole life insurance policy.  In fact, many individuals who have been prescribed Benicar may even be able to qualify for a Preferred rate!

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

Most life insurance companies aren’t going to be all that concerned about the fact that an individual has been prescribed Benicar.  This is mainly because unlike many other prescription antihypertension medications on the market, Benicar is typically reserved for what most life insurance underwriters would consider “lower risk”.

That said however…

Because you have been prescribed an “antihypertension medication” this will presumably mean that at one point in your life, you were diagnosed with high blood pressure which is why some life insurance underwriters might want to ask you a series of questions designed to learn more about your overall “cardiac health” as well as try to learn how well your Benicar is working to keep your blood pressure down.

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

Common questions you’ll likely be asked about your Benicar prescription may include:

  • When where your first prescribed Benicar?
  • Who prescribed your Benicar? Your general practitioner or a cardiologist?
  • Is Benicar the only medication that your using to treat your hypertension?
  • How often do you see your primary doctor for a checkup?
  • 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?
  • What is 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?

As we’ve previously stated, having been prescribed Benicar shouldn’t necessarily affect the outcome of your life insurance application assuming that it is working and that you now have health blood pressure levels.

Or in other words…

If high blood pressure levels were the only thing keeping you from being able to qualify for a Preferred rate prior to being prescribed Benicar and now that problem has been resolved, you should “theoretically” be able to qualify for that Preferred rate now.

In fact…

We here at IBUSA love working with folks who have already been prescribed an “antihypertension” medication because it means that you’ve already been diagnosed with hypertension, you’re doing something to fix it and now we’re much less likely to have any “surprises” during the life insurance application.

Which brings us to the last topic that we wanted to discuss 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.

You see…

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?

So…

What are you waiting for?  Give us a call today and let us earn the right to protect your family today!

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