Life Insurance for Moxifloxacin 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 Moxifloxacin or one of its common brand names including:
As a way to treat an infection.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been prescribed Moxifloxacin?
- Why do life insurance companies care if I’ve been prescribed Moxifloxacin?
- 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 Moxifloxacin?
In most cases, an individual who has been prescribed Moxifloxacin will able to qualify for a traditional term or whole life insurance policy once the “reason” behind “why” they have been prescribed Moxifloxacin has resolved itself.
Moxifloxacin is a prescription medication that belongs to a group of drugs called Fluoroquinolones, which are designed to help treat a wide variety of bacterial infections of the skin, sinuses, lungs, and/or stomach.
This is why…
In some cases, an individual may be able to immediately qualify for coverage, while in other situations, they may not be able to qualify until which time the underlying cause of the infection has been resolved.
Why do life insurance companies care if I’ve been prescribed Moxifloxacin?
Life insurance companies “care” if an individual has been prescribed Moxifloxacin because, in certain circumstances Moxifloxacin can be used to treat some rather serious medical conditions. Medical conditions, such as:
- Acquired pneumonia,
- Bacterial sinusitis,
- Chronic bronchitis,
And even the Plague!
Which is why…
Once a life insurance underwriter learns that you’re either currently taking Moxifloxacin or seem to have a history of being prescribed Moxifloxacin quite frequently what you’re commonly going to find is that they’re going to want to ask you a series of medical questions designed to learn a little bit more about how serious your underlying infection/infections are before making any kind of decisions about the outcome of your application.
What kind of information will the insurance companies ask me or be interested in?
Common questions you’ll likely be asked after having been prescribed Moxifloxacin may include:
- Why were you prescribed Moxifloxacin?
- Who prescribed your Moxifloxacin?
- Are you still taking your Moxifloxacin?
- If so, when do you anticipate being done with your treatment?
- Have you been diagnosed with any “other” pre-existing medical conditions which may have contributed to you needing to take Moxifloxacin?
- 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?
Generally, what we have found is that the vast majority of individuals who have been prescribed Moxifloxacin is that once an individual has completed their treatment and the bacterial infection is gone, there won’t be any “lingering” affect with regards to what kind of “rate” an individual will be able to qualify for.
Or, in other words…
Have used Moxifloxacin in the past should not affect the outcome of your life insurance application unless the underlying cause for why you were prescribed Moxifloxacin falls into a category in which a life insurance company might consider serious and possibly “chronic”.
That and if…
It appears that you may also suffer from some type of pre-existing medical condition which may be compromising your overall immune system in which case, the fact that you’ve been prescribed Moxifloxacin won’t the be the primary driving force behind what kind of “rate” you may be able to qualify for, it will be the pre-existing medical condition that is suppressing you overall immune system!
The good news is…
That regardless of how “serious” the medical condition that you’re using or used your Moxifloxacin to treat, here at IBUSA we have all the experience needed to help you find the “best” life insurance that you can qualify for.
This brings 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 can 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.
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 a wide variety of different Accidental Death Policies.
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 see what options might be available to you, just give us a call!