Life Insurance for Cipro 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 Ciprofloxacin or one of the common brand names that it’s sold under including:
- Ciprodex (technically this is a combination of two separate medications including Ciprofloxacin and Dexamethasone),
- Cipro XR,
To help treat a variety of bacterial infections including:
- Ear infections,
- Skin infections,
- Urinary tract infections (UTI),
- Bone and join infections,
- Intra-abdominal infections,
- Respiratory tract infections,
- Typhoid fever,
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been prescribed Ciprofloxacin?
- Why do life insurance companies care if I’ve been prescribed Ciprofloxacin?
- 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’ dive right in!
Can I qualify for life insurance after I’ve been prescribed Ciprofloxacin?
Yes, individuals who have been prescribed Ciprofloxacin in the past can and often will be able to qualify for a traditional term or whole life insurance policy. In fact, they may even qualify for a no medical exam life insurance policy at a Preferred rate.
Why do life insurance companies care if I’ve been prescribed Ciprofloxacin?
The main reason why a life insurance company will “care” if an individual has been prescribed Ciprofloxacin is because it is such an effective medication that is often a doctor’s first choice in treating a wide variety of different “kinds” of bacterial infections.
That may not “seem” like such a bad thing; it can and often will “complicate” one’s life insurance application at first, particularly if you’re currently taking your Ciprofloxacin during the time of your life insurance application.
Until the life insurance company fully understands “why” you’ve been prescribed Ciprofloxacin, they aren’t going to know whether it’s simply being used to treat an ear infection or if it’s being used to help you recover from Typhoid fever! This is why it’s not all that uncommon to be asked a series of questions about your Ciprofloxacin prescription before getting “approved” for coverage, particularly if you are currently taking (or just stopped taking) your Ciprofloxacin medication.
What kind of information will the insurance companies ask me or be interested in?
Most life insurance companies aren’t going to be all that interested in the fact that you’ve been prescribed Ciprofloxacin in the past unless you’re currently taking Ciprofloxacin or you’ve been prescribed Ciprofloxacin quite frequently indication you may have a propensity for developing bacterial based infections.
In either case, you’ll probably be asked questions similar to these:
- Why have you been prescribed Ciprofloxacin?
- Who prescribed your Ciprofloxacin? A general practitioner or a specialist?
- Have you completed your treatment?
- Do you suffer from any “residual” effects from your infection?
- Did you need to be hospitalized due to your infection?
- 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 you can see, most of the questions that the insurance companies are going to ask are primarily designed to learn if you’re still taking your Ciprofloxacin, and if not, have you completely recovered from your bacterial infection.
This is because…
If you have completed treatment and you have completely recovered, having been prescribed Ciprofloxacin in the past really shouldn’t have ANY effect on the outcome of your life insurance application. This means that, if you were able to qualify for a Preferred Plus before being prescribed Ciprofloxacin, you should still be able to qualify for a Preferred Plus after being prescribed Ciprofloxacin.
Which leads us to the next topic that we want 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.
Now, will we be able to help out everyone who has been prescribed Ciprofloxacin?
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!