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 Evista or its generic form, Raloxifene, to help treat and/or prevent osteoporosis in postmenopausal women.

Questions that will be directly addressed will include:

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

Yes, individuals who have been prescribed Evista 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 be able to qualify for a Preferred Plus should they be able to meet all of the requirements for such a rate.

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

Evista isn’t really a medication that most life insurance companies are going to get too excited about.  The main reason for this is that, unlike many other prescription medications that can be used to treat a wide variety of conditions, Evista really only helps in reducing the risk of osteoporosis.

That said, however…

One shouldn’t be too surprised if they do find themselves answering a series of questions about their osteoporosis prior to getting “approved” for coverage.  The main reason for this is because, in some cases when an individual either doesn’t “actively” participate in treating their osteoporosis or has begun their treatment of their osteoporosis after they have already suffered from significant bone loss (or integrity) issues can arise.  Issues that may affect the outcome of your life insurance application.

Lastly…

Evista has also been shown to help reduce the risk of breast cancer in post-menopausal women and women who are considered a “higher risk” for developing breast cancer which is why you may also be asked about how frequently you screen yourself for breast cancer and if there is any “history” of breast cancer in your family.

What kind of information will the insurance companies ask me or be interested in?

• Where were you first prescribed Evista?
• Who prescribed your Evista? A general practitioner or a specialist?
• Have you been diagnosed with osteoporosis?
• Are you taking any additional prescription medications?
• Have you ever been diagnosed, or have any of your immediate family members been diagnosed with breast cancer?
• Within the past year, have you suffered from any falls or broken bones?
• Within the past year, have you been admitted to the hospital for any reason?
• Are you currently working now?
• In the past year, have you applied for or received any form of disability benefits?

What rate (or price) can I qualify for?

Here at IBUSA, what we have found to be the case most often is that if an individual has been prescribed Evista simply to prevent or minimize the potential risk of osteoporosis absent any significant symptoms or injuries resulting from osteoporosis, their prescription really shouldn’t have any effect on the outcome of their life insurance application.

Or, to put it another way…

Whatever rate an individual like this would have been able to qualify for PRIOR to being prescribed Evista should be the same AFTER having been prescribed Evista.  Where we begin to run into trouble is when an individual either has suffered from an injury or fall that is directly related to their osteoporosis or they themselves have either been diagnosed with breast cancer in the past or it has been determined that they may be at significant risk of developing breast cancer in the future.

In cases like these…

An individual may still be able to qualify for a traditional life insurance policy, only now, there really isn’t any way one can accurately “estimate” what kind of rate they may be able to qualify for without knowing the specifics associated with one’s case.  The good news is that here at IBUSA, we have plenty of experience helping folks with all sorts of pre-existing medical conditions like these, so you know that if you give us a call, you’re going to be well taken care of! This brings us to the last topic that we wanted to take a moment and 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 they 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!