Life Insurance for Norvasc 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 Norvasc or its generic form Amitriptyline to treat either their high blood pressure or their angina (chest pain).
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been prescribed Norvasc?
- Why do life insurance companies care if I’ve been prescribed Norvasc?
- 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 Norvasc?
Individuals who have been prescribed Norvasc in the past or who currently taking Norvasc presently can and often will be able to qualify for a traditional term or whole life insurance policy. Heck… they may even be able to qualify for a Preferred rate provided that they are only using it to treat their hypertension or high blood pressure.
Where things can get…
A bit “tricky” is when an individual is using their Norvasc to also treat symptoms of angina or chest pain. In cases like these, most (if not all) traditional life insurance companies are going to want to know more about the severity of your angina as well as whether or not an individual also suffers from additional cardiovascular ailments prior to being able to make any kind of decisions about whether or not an individual will be able to qualify for coverage and if so at what price!
Why do life insurance companies care if I’ve been prescribed Norvasc?
The main reason why an insurance company would be potentially interested in the fact that you’ve been prescribed Norvasc is because aside from just helping folks maintain a healthy blood pressure level, it is also used to help folks who suffer from angina which is considered a much more serious pre-existing medical condition by most life insurance companies.
Folks who have been diagnosed with angina can and often will still be able to qualify for a traditional term or whole life insurance policy, in most cases they will no longer be eligible for Preferred rates as they will now usually be considered a “higher risk” applicant.
A “higher risk” that…
They will want to know more about prior to making any kind of decision about. This is why, once a life insurance underwriter learns that you’ve been prescribed Norvasc in the past, he or she will likely want to ask you a series of questions designed to learn about “why” you’ve been prescribed Norvasc and “how” well it is working to help you treat your condition.
What kind of information will the insurance companies ask me or be interested in?
- Why have you been prescribed Norvasc?
- Who prescribed your Norvasc? A general practitioner or a cardiologist?
- With regards to those taking their Norvasc to treat hypertension:
- Do you know what your current blood pressure averages are now?
- How well is Norvasc helping you to maintain a health blood pressure level?
- Are you taking any other medications to help you treat your hypertension?
- In the past 12 months have any of your blood pressure medications changed in any way?
- With regards to those taking their Norvasc to treat for angina:
- What type of angina have you been diagnosed with?
- At what age where you first diagnosed?
- Before or after the age of 40?
- Have you ever had an angiography performed?
- What were the results?
- Have you ever suffered from a heart attack?
- Is your angina considered “stable” or has it been changing over the past few years/months?
- Are you taking any other medications to help you treat your Angina?
- In the past 12 months have any of your angina medications changed in any way?
- How well is Norvasc helping you to manage your angina?
- What is your current height and weight?
- In the past 12 months have you used any tobacco or nicotine products?
- 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?
When it comes time to determine what “rate” or “price” an individual might be able to qualify for after having been prescribed Norvasc, it’s really all going to come down to “why” you’ve been prescribed “Norvasc” and how well it is helping you manage this underlying medical condition.
Now with regards to…
Those using Norvasc to help them manage their hypertension, what we can tell you is that provided that it is working you will generally still be considered eligible for a Preferred rate by most life insurance companies provided that you would otherwise be eligible for such a rate.
As for those who are…
Using their Norvasc to them treat or manage their angina, things become a bit “tricky” because he we will run into a lot of different categories an individual may be able to qualify for.
If you were first diagnosed with Angina after age 40, it has remained stable, and your last angiography was normal, some insurance companies may consider you eligible for a preferred rate.
That said however if you…
Were diagnosed before age 40 or your angina is considered “unstable” or “crescendo” then it’s quite possible that you may not be able to qualify for a traditional term or whole life insurance policy at any rate!
The same holds true…
For those who have been diagnosed with angina and have also suffered from a heart attack in the past. Only in cases like these, it may still be possible to qualify for coverage only now, most (if not all) underwriters will need to see copies of all of your medical records prior to making any kind of decision.
As you can see, when it comes time to helping an individual who has been prescribed Norvasc in the past, sometimes it can be quite simple while other times, the process could become quite complicated especially if you don’t prepare the application properly from the start and you don’t choose the “right” life insurance company for someone with a potentially “difficult” medical condition like this one.
Which brings us to the last topic that we wanted to discuss here in this article which is…
What can I do to help ensure that I get the “best life insurance” for me?
In our experience here at IBUSA, what we have found that works best for folks who have been diagnosed with a pre-existing medical condition where the “severity” of the condition is often “subjective” is for the applicant to make sure that they first find a true-life insurance profession who will work as an advocate for you.
Such an agent…
Will not only help guide you through the application process but also be perfectly “frank” with you about what options may or may not be possible for you.
You’ll also want to make sure that the very same agent you have chosen has access to dozens of different life insurance companies because after all, it really doesn’t matter how “great” of a life insurance agent you might have if they don’t have access to the “best” life insurance policy for you! Now does it?
You’ll want to make sure that you’re completely honest with your life insurance agent prior to applying for coverage. By doing so, you will be helping him or her narrow down what options might be the “best”
So, what are you waiting for? Give us a call today and see what we can do for you!