Two Common Uses

Cialis is prescribed for erectile dysfunction in men and for benign prostatic hyperplasia (BPH) symptoms. Both uses are standard medical treatment. Underwriters ask which indication applies, as this affects assessment of related health conditions.

Cardiovascular Screening

Cialis affects blood vessel function. For higher coverage amounts, insurers typically require EKG testing to rule out cardiac issues. This is standard precaution and doesn’t indicate suspicion—it’s routine underwriting for male applicants in certain age ranges.

Medical History Connection

Erectile dysfunction can relate to diabetes, hypertension, high cholesterol, or heart disease. Underwriters review complete medical history to understand whether related conditions exist. Clean cardiovascular history makes approval straightforward.

Blood Pressure and Cholesterol

Primary factors. If blood pressure is consistently elevated or cholesterol high, underwriters flag increased cardiovascular risk. Current readings and whether conditions are controlled with medication matter significantly. Provide recent lab results.

Diabetes Status

If diabetic, this significantly affects underwriting. Type 2 diabetes is common in men using Cialis. Disclose whether diabetic, how long you’ve had it, and control level (hemoglobin A1C). Well-controlled diabetes is less concerning than uncontrolled.

Cardiac or Heart Disease History

Any history of heart attack, heart disease, arrhythmia, or cardiac procedures requires disclosure. This directly impacts approval and rates. Recent cardiac events (within 5 years) may result in higher premiums or denial. Older cardiac history with recovery is less problematic.

Age and Risk Profile

Younger men (30s-50s) on Cialis generally get approved more easily if health history is clean. Men over 60+ may face more scrutiny and are more likely to require EKG testing. Age combined with other risk factors affects overall assessment.

Medication Interactions

If taking nitrates (for heart conditions), Cialis is contraindicated and creates serious underwriting concerns. Disclose all current medications. Certain blood pressure medications combined with Cialis require documentation that your doctor assessed safety.

Reason for Medication Use

Whether Cialis is for erectile dysfunction or BPH affects assessment. ED can indicate cardiovascular issues or diabetes; BPH is primarily urological. Your doctor’s notes explaining the clinical context help underwriters understand your situation.

Current Cialis Use

Report that you’re taking Cialis, the dosage, frequency of use, and how long on it. State whether used as needed or daily. Be straightforward—this is prescription medication your doctor approved.

Indication for Use

State whether using Cialis for erectile dysfunction or benign prostatic hyperplasia. Include when your doctor diagnosed the condition and whether symptoms are improving with treatment. This context helps underwriters.

Blood Pressure History

Report current blood pressure and any hypertension history. If on blood pressure medication, state the medication name and dosage. Provide recent readings if possible. Controlled blood pressure strengthens your application.

Cardiovascular Risk Factors

Disclose any history of heart disease, heart attacks, strokes, arrhythmias, or high cholesterol. Include dates and current treatment. Mention lifestyle factors: exercise regularly? Smoke? Family history of heart disease?

Diabetes or Metabolic Conditions

Report if diabetic, prediabetic, or have metabolic syndrome. Include diagnosis date, type (Type 1 or 2), and control level. Provide recent blood sugar readings or hemoglobin A1C if available. Active diabetes management is favorable.

All Current Medications

List every medication taken, including over-the-counter and supplements. This is critical—some combinations with Cialis require special attention. Be complete and accurate.

Best Case Scenario

On Cialis for ED, blood pressure controlled, no heart disease or diabetes history, normal cholesterol, and a non-smoker. Expect approval at standard rates in 2-3 weeks.

Moderate Case Scenario

Controlled hypertension or Type 2 diabetes, but well-managed with medication, and recent labs are good. Expect approval with a minor increase (5-15%), 2-4 weeks for review. An EKG may be required.

Complex Case Scenario

Multiple cardiovascular risk factors, a history of heart disease, or being a current smoker. Expect approval with a significant increase (25-50%+) or possible denial. Complex underwriting and extended review are likely.

Testing Expectations

Most carriers require an EKG for male applicants over 50 or those with higher coverage amounts. Some request blood work. These tests help establish a cardiovascular baseline and are standard, not indicators of problems.

Clean Health Profile

Good cardiovascular health (controlled BP, normal cholesterol, no heart disease), expect standard rates. Example: $40/month stays $40/month. Underwriting straightforward, approval in 2-3 weeks is likely.

One Controlled Condition

Hypertension or diabetes controlled: 5-15% premium increase. Example: $40/month becomes $42-46. Well-controlled conditions don’t significantly impact pricing. Documentation of control is key.

Multiple Risk Factors

25-50%+ premium increase. Example: $40/month becomes $50-60. Multiple conditions require detailed underwriting. Smokers face additional increases.

Prior Cardiac Event

50%+ increase or possible denial if recent. If 5+ years ago with documented recovery, 30-50% increase. Recent events (1-2 years) likely result in denial until more time passes.

Step 1: Gather Current Medical Records

Collect recent records from your prescribing physician showing diagnosis, when Cialis started, and recent check-ups. Obtain recent blood work: blood pressure, cholesterol, and blood glucose. Ask your doctor to document any health improvements since starting treatment.

Step 2: Request Physician Letter

Have your prescribing doctor write a brief letter confirming why Cialis was prescribed, how long on it, your medication tolerance, any cardiovascular risk factors, and your current health status. This clinical narrative is valuable for underwriting.

Step 3: Control Modifiable Risk Factors

If you smoke, consider quitting before applying—this significantly improves rates. Manage blood pressure and cholesterol actively. Exercise regularly and maintain a healthy weight. These efforts improve underwriting and your actual health.

Step 4: Be Completely Honest

Don’t omit cardiovascular symptoms, medication changes, or health conditions. Insurers will find out through medical records checks. Honesty protects your coverage and prevents future claim denials.

Step 5: Work With an Experienced Agent

Partner with a licensed agent familiar with male health and medication-related applications. They can match you with carriers most favorable to Cialis applicants and help position your application effectively.

Will using Cialis automatically disqualify me?

Direct answer: No. Cialis use alone does not disqualify applicants. Insurers evaluate your cardiovascular health and overall medical history.

Most men on Cialis get approved when working with appropriate insurers. Approval depends on blood pressure control, cholesterol levels, diabetes status, cardiac history, and smoking status—not on taking Cialis alone.

Do I have to disclose Cialis use?

Direct answer: Yes. Always disclose all prescription medications on applications.

Omitting Cialis is application fraud and can result in policy cancellation or claim denial. Insurers obtain medical records and discover undisclosed medications. Complete honesty protects your coverage and family’s financial security.

Will I need medical testing?

Direct answer: Likely, especially for larger coverage amounts. EKG testing is standard for male applicants over 50 or those seeking $500,000+ coverage.

Testing isn’t because insurers suspect problems—it’s routine underwriting to establish a cardiovascular baseline. Testing is at no cost to you. Good cardiovascular health actually strengthens your application.

What if I have high blood pressure?

Direct answer: Controlled high blood pressure is manageable for approval. Uncontrolled hypertension is more problematic.

On blood pressure medication with consistent target readings, expect standard or near-standard rates. Provide recent BP logs. If hypertension is uncontrolled, address with your doctor before applying—control improves health and approval odds.

What if I have a history of heart disease?

Direct answer: Approval becomes harder but is possible. The timing of the event and current health status matter significantly.

If cardiac event was 5+ years ago with stable recovery and good health markers, approval is likely with increased premiums. If within 1-2 years, approval may be denied or delayed. Gather complete cardiac records and current cardiologist clearance. Work with specialty carriers experienced in cardiac cases.

What if I’m a smoker?

Direct answer: Smoking significantly increases rates and complicates underwriting for cardiovascular conditions.

Smokers pay 2-3x standard rates and face additional scrutiny with Cialis use. If you smoke, quitting before applying substantially improves approval odds and pricing. Most carriers require 12 months of non-smoking for non-smoker rates.

Will my insurance rates change after I get the policy?

Direct answer: No. Once approved and in force, premiums and coverage stay the same regardless of future health changes.

Changes to blood pressure, cholesterol, or Cialis use after policy issue won’t affect rates or claims. This major benefit locks in coverage while health is stable. If health worsens before applying, it affects initial approval and rates.