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 Hyzaar or its generic form Hydrochlorothiazide/Losartan to help treat high blood pressure. Hyzaar has also been shown to help reduce the risk of suffering from a stroke and heart attack.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been prescribed Hyzaar?
- Why do life insurance companies care if I’ve been prescribed Hyzaar?
- 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 Hyzaar?
Yes, individuals who have been prescribed Hyzaar 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 rating! That said, however, if you have been prescribed Hyzaar in the past, don’t be too surprised if you find yourself being asked a series of questions about your Hyzaar prescription during a typical life insurance application.
Why do life insurance companies care if I’ve been prescribed Hyzaar?
Most life insurance companies aren’t going to be all that concerned about the fact that an individual has been prescribed Hyzaar in the past, however because it is a medication that is used to help an individual lower their blood pressure levels and because it has been shown to be helpful in reducing one’s chances at suffering from a future stroke or heart attack, it only makes sense that a life insurance underwriter would be interested in:
Whether your Hyzaar prescription is helping you maintain a healthy blood pressure level?
If you are considered a “higher risk” individual for suffering from a future heart attack or stroke?
This is why prior to getting approved for a traditional term or whole life insurance policy, most (if not all) life insurance companies are going to want to ask you a series of medical questions, all designed to learn more about “why” you have been prescribed Hyzaar and if you represent an “acceptable” risk to them (the insurance company).
What kind of information will the insurance companies ask me or be interested in?
Common questions you’ll likely be asked may include:
- When were you first prescribed Hyzaar?
- Who prescribed your Hyzaar? A general practitioner or a cardiologist?
- Have you ever been diagnosed with heart disease or suffered from a heart attack or stroke?
- Have any of your immediate family members (mother, father, brother or sister) ever been diagnosed with heart disease or suffered from a heart attack or stroke?
- Is Hyzaar the only prescription medication that you’re currently taking now?
- How well is your Hyzaar prescription working to control your blood pressure levels?
- Have any of your prescription medications changed in any way over the past 12 months?
- In the past 12 months, have you used any tobacco or nicotine products?
- Are you currently working?
- In the past 12 months, 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 is that if you’re simply using Hyzaar to help you lower your blood pressure and you don’t have any other “symptoms” of heart disease, in most cases, you should theoretically still be able considered “eligible” for a Preferred rate.
To put it another way, simply having been prescribed Hyzaar to treat your hypertension shouldn’t be enough to “automatically” eliminate your chances of being able to qualify for a Preferred rate. The only problem is that qualifying for a Preferred rate is tough! Even if you haven’t been diagnosed with hypertension in the past!
Sometimes it’s tough to find a life insurance company to say “Yes” at any rate, particularly if you’ve been diagnosed with some other “kind” of pre-existing medical condition much more serious than just suffering from hypertension.
The good news is that…
Here at IBUSA, we have a ton of experience helping folks with all sorts of pre-existing medical conditions ranging from really mild ones like hypertension all the way too much more serious cases such as cancer or serious heart disease. This is why we wanted to take a moment and discuss what things you can do to help improve your chances of qualifying for the “best” life insurance policy for you!
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 families.
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!