Life Insurance for Clarinex users.
In this article, we wanted to take a moment and answer some of the most common questions we get from folks applying for life insurance after they have been prescribed Clarinex (or its generic form Desloratadine) to treat or prevent hives, allergy symptoms and hay fever symptoms.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been prescribed Clarinex?
- Why do life insurance companies care if I’ve been prescribed Clarinex?
- 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 Clarinex?
Yes, individuals who have been prescribed Clarinex can and often will be able to qualify for a traditional term or whole life insurance policy. In fact, they may even be able to qualify for a no medical exam life insurance policy at a Preferred rate!
Why do life insurance companies care if I’ve been prescribed Clarinex?
Here at IBUSA, what we have found is that most of the time, insurance companies aren’t going to be all that interested in the fact that you have been prescribed Clarinex in the past or even if you have a current prescription for Clarinex.
This is mainly because…
Clarinex isn’t really a medication that is used to treat what one would generally consider a “life-threatening” or “serious” condition. And while we’ll be the first to admit that suffering from some of the pre-existing medical conditions that Clarinex is used to treat certainly isn’t a whole lot of fun, rarely do they cause one to suffer from serious injury or death.
That said, however…
If you are unfortunate enough to suffer from some serious allergies and Clarinex is simply one of several medications that you may be used to help you manage your symptoms, it is possible that an insurance company may choose to deny your life insurance application which is why in some cases you may find that before being approved for coverage an insurance underwriter may ask for some additional clarification about why you have been prescribed Clarinex.
What kind of information will the insurance companies ask me or be interested in?
Common questions you may be asked might include:
- Why have you been prescribed Clarinex?
- What diagnosis, if any, have you been “officially” given?
- What symptoms do you typically suffer from during an allergy attack?
- Are there certain allergens or environmental triggers that cause you to suffer from allergies?
- Have you ever needed to be hospitalized due to your allergies?
- Are you taking any other prescription medications to help you treat your allergies?
- How well is Clarinex working to help you control your allergies?
- Have any of your allergy medications changed within the past 12 months?
- Are you currently working now?
- In the past 12 months, have you applied for or receive any form of disability benefits?
What rate (or price) can I qualify for?
What you’re generally going to find is that if your Clarinex is simply being used to treat “mild” to “moderate” allergies which wouldn’t be considered “life-threatening” and you haven’t needed to go to the hospital as a result of suffering from an attack, having been prescribed Clarinex shouldn’t have any affect on the outcome of your life insurance application.
Or, in other words…
The “rate” that you would have been able to qualify for PRIOR to being prescribed Clarinex would be the same rate that you would be able to qualify for AFTER having been prescribed Clarinex. Where we run into problems is when an individual may be prone to some serious and severe allergy symptoms, including swelling of the throat and lungs, which can cause one to suffer from anaphylaxis shock.
In cases like these…
Most life insurance companies will want to make sure that they have a full and complete understanding of your medical condition, which may require that they order complete medical records from your doctor. And while you may still be able to qualify for a traditional term or whole life insurance policy, it’s fair to say that you may no longer qualify for a Preferred rate. In cases like these, what we here at IBUSA like to try is to have a few different life insurance companies review your situation before submitting your life insurance application. This way, we can get a general “feel” about how they will respond.
Which brings us to the last topic that we wanted to 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 Clarinex?
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!