In this article, we wanted to take a moment to answer some of the most common questions we get from folks applying for life insurance after they have been prescribed Lipitor or its generic form, Atorvastatin, to help lower one’s cholesterol and triglyceride levels.

Questions that will be directly addressed will include:

• Can I qualify for life insurance after I’ve been prescribed Lipitor?
• Why do life insurance companies care if I’ve been prescribed Lipitor?
• 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’s dive right in!

Can I qualify for life insurance after I’ve been prescribed Lipitor?

Seeing how just about everyone nowadays seems to be struggling with their cholesterol levels, we here at IBUSA would be in a lot of trouble if folks became “uninsurable” after having been prescribed a medication like Lipitor. 

Fortunately, insurance companies understand that choosing to insure someone taking a medication like Lipitor to help them improve their cholesterol level is a “good” bet because these folks understand that they have an issue with their cholesterol, and they’re being proactive and making it better!

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

The only reason why a life insurance company is going to be all that interested in the fact that you’ve been prescribed Lipitor is that it lets them know that at one time you had elevated cholesterol levels, so they (the insurance company) should inquire whether or not your Lipitor is working.

Additionally…

Because you have been previously diagnosed with high cholesterol levels, don’t be surprised if an insurance underwriter might also want to ask you a series of questions designed to learn whether or not you have any other “heart” issues that they should be worried about.

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

Most of the questions you’ll be asked once an insurance underwriter learns that you’ve been prescribed Lipitor will be pretty much the same that they would ask “any” life insurance applicant. Only this time, as they ask, they’ll be looking through a “lens,” focusing on whether or not you may have any other “cardiac” issues they should be concerned about.

Common questions you’ll likely be asked may include:

• When were you first prescribed Lipitor?
• Who prescribed your Lipitor? A general practitioner or a cardiologist?
• Are you taking any other prescription medications?
• Have you ever suffered from a heart attack or stroke?
• What is your current height and weight?
• In the past 12 months, have you used any tobacco or nicotine products?
• Have any of your prescription medications changed in any way within the past 12 months?
• How well is your Lipitor working to control your cholesterol levels?
• How often do you see your primary care physician?
• When was the last time you had a physical?
• 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?

Here at IBUSA, what we have found is that most life insurance companies aren’t going to discriminate against someone who has been prescribed a medication like Lipitor to control their cholesterol levels, provided that it’s working. This means that, in theory, anyone who has been prescribed Lipitor can and often will be able to qualify for a Preferred rate provided that they would otherwise be able to qualify for such a rate without having been prescribed Lipitor in the first place.

Additionally…

Just as a side note, we should point out that we here at IBUSA like working with folks who have already been prescribed a medication like Lipitor because now we don’t need to worry about any “surprises” when it comes time to take one medical exam.  You see, for those who have already learned that they suffer from high cholesterol, chances are they’re already working on getting it fixed and, in many cases, represent a much better insurance applicant than someone who has no idea that their cholesterol is elevated!

Now if it turns out that you have all sorts of other health issues in addition to the fact that you’ve been diagnosed with high cholesterol, chances are those “other issues” will most likely be the driving force behind what “type” of life insurance policy you’ll be able to qualify for and what “rate” you’ll likely receive.

This brings us to the last topic that we wanted to discuss here today, 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 families.

Now, will we be able to help out everyone who has been prescribed Ativan?

No, probably not. But what we can tell you is that in addition to offering a wide variety of different term and whole life insurance policies, IBUSA has also worked very hard to establish relationships with many of the Best Final Expense Insurance Companies as well. This way if someone isn’t able to qualify for a traditional life insurance policy, chances are there may be some other “type” of product that you CAN qualify for.

Now, will we be able to help out everyone who has been prescribed Lipitor?

No, probably not. But what we can tell you is that in addition to offering a wide variety of different term and whole life insurance policies, IBUSA has also worked very hard to establish relationships with many of the Best Final Expense Insurance Companies as well. This way, if someone isn’t able to qualify for a traditional life insurance policy, chances are there may be some other “type” of product that you CAN qualify for.

So, if you’re ready to explore your options, just give us a call!