Life Insurance for Levaquin 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 Levaquin or its generic form Levoflaxacin to treat infections.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been prescribed Levaquin?
- 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 Levaquin?
Yes, individuals who have been prescribed Levaquin 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. In fact, even though this medication is pretty frequently prescribed, we here at IBUSA only rarely actually “deal” with during a life insurance application.
This is because…
With the vast majority of cases, an individual will have been prescribed Levaquin to treat some type of bacterial infection, the infection will go away, and that will be the last anyone really thinks about the whole experience!
Which is why…
It’s only really when an individual is currently taking Levaquin at the time of their application or when an individual seems to be prescribed “anti-bacterial” medications more than usual when a life insurance underwriter might take interest in the fact that you’ve been prescribed Levaquin.
In cases like these…
You might find that a life insurance company may choose to “postpone” your life insurance application until which point you are not longer taking your Levaquin, or you may find that prior to actually approving your life insurance application you might be asked a few questions about your Levaquin prescription and “why” it seems like you need an antibacterial medication more frequently than the average Joe!
What kind of information will the insurance companies ask me or be interested in?
Common questions you might be asked may include?
- Why have you been prescribed Levaquin?
- Who prescribed your Levaquin? A general practitioner or a specialist?
- Are you still taking your Levaquin right now? If so, when do you anticipate your treatment ending?
- Do you suffer from any lingering affects from your bacterial infection?
- How frequently do you suffer from infections which require medical care?
- Have you ever been hospitalized within the past 2 years?
- Have you been diagnosed with any serious medical conditions?
- Have you been diagnosed with or have you received treatment which could compromise your natural immune system?
- Have you recently traveled outside of the United States?
- 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?
Now, before we freak anyone out, we do want to make it clear that for the vast majority of individuals who have been prescribed Levaquin chances are you’re never going to be asked any questions about your Levaquin prescription or the infection it was used to treat provided you are still suffering from any linger effects of said infection.
Which means that…
For the vast majority of individuals, the fact that you have been prescribed Levaquin isn’t going to play any kind of role in 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 Levaquin ought to be the same “rate” that you would be able to qualify for AFTER having been prescribed Levaquin!
As for the rest…
The good news is that here at IBUSA, we have a ton of experience helping folks with all sorts of pre-existing medical conditions qualify for traditional term or whole life insurance coverage so if you think you may have an “issue”, don’t fret, that’s what we here for!
Which 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 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!