Life Insurance for Cosopt 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 Cosopt or its generic form which consists of Dorzolamide and Timolol to help treat increased eye pressure caused by either glaucoma or ocular hypertension.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been prescribed Cosopt?
- 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 Cosopt?
Yes, individuals who have been prescribed Cosopt in the past can and often will be able to qualify for a traditional term or whole life insurance policy. In fact, having been prescribed Cosopt really shouldn’t play a role in the outcome of your life insurance application.
That is of course…
That you’re not actually suffering from any kind of “serious” impairment as a result of the underlying medical condition which has caused you to be prescribed Cosopt in the first place. You see, while being diagnosed with glaucoma or ocular hypertension on it’s own isn’t something that most (if not all) life insurance underwriters are going to spend a HUGE time worrying about, having an “insured” slowly go blind as a result of not properly treating their ocular hypertension or glaucoma is certainly not something that they want to do.
This is why…
Some insurance underwriters (but not all) might want to ask you a few questions about your Cosopt prescription prior to making any kind of definitive decision about the outcome of your life insurance application.
What kind of information will the insurance companies ask me or be interested in?
Common questions you might be asked about your Cosopt prescription may include:
- When were you first prescribed Cosopt?
- What symptoms (if any) have you experienced as a result of having increased ocular pressure?
- How often do you see your optometrist?
- Has your underlying medical condition caused you to suffer from any vision loss?
- 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?
Typically what your going to find is that unless you’re suffering from some serious consequences as a result of having increased ocular pressure most (if not all) life insurance companies are not going to consider having been prescribed Cosopt a factor in the outcome of your life insurance application.
Or in other words…
If you were able to qualify for a Preferred Plus rate class PRIOR to being prescribed Cosopt, you should still be able to qualify for a Preferred Plus rate class AFTER having been prescribed Cosopt. 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!