Life Insurance for Hydroxyzine 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 Hydroxyzine to treat any number of different conditions including:
It can even be used in combination with anesthesia prior to a medical procedure to help calm a patient.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been prescribed Hydroxyzine?
- Why do life insurance companies care if I’ve been prescribed Hydroxyzine?
- 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 Hydroxyzine?
Yes, individuals who have been prescribed Hydroxyzine 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 rate.
Why do life insurance companies care if I’ve been prescribed Hydroxyzine?
Given the fact that Hydroxyzine isn’t used to treat any pre-existing medical conditions that most would necessarily consider “life-threatening” it should come as too big of a surprise to learn that most life insurance companies aren’t going to give one’s Hydroxyzine prescription too much attention.
That said however…
Because Hydroxyzine can be used to treat such a wide range of pre-existing medical conditions, it only makes sense that a life insurance company will want to know specifically “why” you’ve been prescribed your Hydroxyzine and whether or not it could be to treat a condition which could one day become more serious than it is right now. For this reason, don’t be surprised if you find yourself answering a series of questions during a life insurance application that may look quite similar to the following.
What kind of information will the insurance companies ask me or be interested in?
- When were you prescribed Hydroxyzine?
- Who prescribed your Hydroxyzine? A general practitioner or a specialist?
- Why were you prescribed Hydroxyzine?
- Are you still taking your Hydroxyzine? If so, how frequently do you take it?
- Is Hydroxyzine the only prescription medication that you’re currently taking now?
- In the past 12 months, have any of your prescription medications including your Hydroxyzine prescription changed in any way?
- Has the underlying pre-existing medical condition which warranted your Hydroxyzine prescription caused you to need to be hospitalized within the past 2 years?
- Are you currently working now?
- In the past 12 months, have you applied for any form of disability benefits?
What rate (or price) can I qualify for?
Now for the vast majority of individuals reading this article, these questions may seem a bit “over the top” because they’re simply using their Hydroxyzine prescription to treat a “mild” medical condition, one in which most life insurance companies are going to pay very little (if any) attention too!
For these individuals…
What you’re likely going to find is that your Hydroxyzine prescription is probably not going to play any role in the outcome of your life insurance application which means that the “rate” that you would be able to qualify for PRIOR to being prescribed Hydroxyzine will most likely be the same as it would be AFTER having been prescribed Hydroxyzine.
Where we run into…
Trouble is when an applicant looks at these questions and understands why a life insurance company would be asking them with regards to their Hydroxyzine prescription because maybe in their situation, their Hydroxyzine is being used along side other medications to help treat a moderate to severe case of anxiety or perhaps a moderate to severe susceptibility to certain allergens.
In cases like these…
It may still be possible to qualify for a traditional term or whole life insurance policy only now, knowing the exact details of your situation will be needed in order to make any kind of educated guess about what kind of “rate” you will be eligible for.
The good news is…
That here at IBUSA, it really doesn’t matter to us whether your Hydroxyzine prescription is simply used to treat an occasional bout of hives or if it’s used in conjunction with some other medication to help you treat a serious case of anxiety, our approach to helping you find the best life insurance policy that you can qualify for isn’t going to change!
Which bring us to the last topic that we wanted to 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 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!