Context Matters More Than the Medication

The triptan medication itself does not concern underwriters. What matters is your migraine pattern. Occasional migraines managed with Relpax are routine. Chronic, frequent migraines requiring regular treatment raise different underwriting questions about migraine control and neurological status.

Frequency of Migraine Episodes Matters Most

Occasional migraines (a few times per year) are insignificant in life insurance underwriting. Chronic migraines (multiple per month or weekly) suggest a more significant condition requiring explanation. Underwriters assess whether migraines are occasional inconveniences or chronic medical issues affecting your health and function.

Migraine Severity and Disability Matter

Do your migraines cause significant disability or loss of function? Are you missing work or unable to perform daily activities? Severe, disabling migraines prompt more detailed underwriting. Well-controlled migraines that don’t significantly impact function are viewed more favorably than disabling migraine patterns.

1. Frequency of Migraine Episodes

How often do you experience migraines? Occasional migraines (a few times annually) are typically not concerning. Frequent migraines (multiple per month or weekly) suggest chronic migraine disorder. Underwriters assess whether migraines are occasional or part of a chronic pattern.

2. Migraine Severity and Disability

How severe are your migraines? Do they cause significant disability? Underwriters assess whether migraines cause lost work time, inability to perform daily activities, or other functional impairment. Migraines that respond well to treatment and don’t cause significant disability are viewed favorably.

3. Migraine Type (With or Without Aura)

Do your migraines have aura (visual or neurological symptoms)? Migraine with aura is slightly more complex from an underwriting perspective. Underwriters want to understand your migraine type and whether neurological complications are present.

4. Known Migraine Triggers

Are your migraines triggered by identifiable factors (stress, hormonal changes, food, weather)? Being able to identify and avoid triggers demonstrates understanding of your condition and ability to manage it. Well-identified triggers support better underwriting outcomes.

5. Use of Preventive Medications

For chronic migraines, are you taking preventive medication (beta-blockers, antiepileptics, or other migraine prevention drugs)? Use of preventive therapy indicates recognition of chronic migraines and an active management approach, which supports favorable underwriting.

6. Response to Treatment

Does Relpax effectively treat your migraines? Do you experience consistent relief or frequent treatment failures? A good response to therapy suggests well-controlled migraines and supports favorable underwriting.

7. Any Migraine Complications

Have you experienced migraine complications such as migraine with brainstem aura or complications from frequent triptan use? Any history of status migrainosus (migraine that won’t stop)? Complications require additional evaluation and medical documentation.

Occasional Migraines

If you experience occasional migraines managed with occasional Relpax, this is typically routine and may not require detailed disclosure. However, if asked about migraine history or medication use, answer honestly about frequency.

Chronic Migraine Diagnosis

If you have been diagnosed with chronic migraines, disclose this. Explain your migraine frequency, severity, whether you experience aura, and how well Relpax or other treatments control your condition. Medical diagnosis information supports accurate underwriting.

Frequency of Migraine Episodes

Report how often you experience migraines. Occasional (a few times yearly) versus frequent (multiple monthly or weekly) significantly affects underwriting. Be accurate about true frequency.

Migraine Characteristics

Describe your migraines: Do you have aura? How severe are they? How long do they last? Do they cause missed work or functional impairment? A clear description helps underwriters assess severity and impact.

Preventive Medications

If you take preventive migraine medications in addition to Relpax, disclose these. Preventive therapy indicates chronic migraines and an active management approach.

Known Triggers

Identify any known migraine triggers (stress, food, hormones, weather). The ability to identify triggers demonstrates understanding of your condition and demonstrates management capability.

Clarify Your Migraine Pattern

Be clear about whether your migraines are occasional (normal, expected) or chronic, requiring regular treatment. If occasional, emphasize that you manage episodes with Relpax only when needed. Occasional migraines are not a concern.

Provide Medical Records If Chronic

If you have chronic migraines, collect medical records documenting your diagnosis, migraine frequency, and treatment. Include neurologist notes or headache specialist records if available. Complete medical documentation supports your application.

Explain Your Management Approach

Describe how you manage your migraines. Do you avoid known triggers? Use preventive medication? Keep a migraine diary? Manage lifestyle factors? Active, responsible management demonstrates health consciousness and supports favorable underwriting.

Emphasize Current Good Health

If your migraines are well-managed and not causing significant disability or complications, emphasize your current good neurological health. Well-controlled migraines are insurable and not a major underwriting concern.

Obtain Physician Assessment if Needed

If you have chronic migraines, request your doctor’s assessment of your condition severity and prognosis. A letter from your neurologist or primary care doctor stating your migraines are stable and well-managed supports your application significantly.

Occasional Migraines Managed With Relpax

Expected Rate: Standard (No increase)

Occasional migraines managed with Relpax as-needed have no impact on your rates. Normal nervous systems occasionally produce migraines—this is expected and not a life insurance concern. Your rates depend on age and other health factors, not occasional migraine treatment.

Mild Chronic Migraines With Good Treatment Response

Expected Rate: Standard to 5% higher

Chronic migraines that respond well to Relpax with minimal disability are typically not a rate factor. If underwriters assess migraines as controlled and not causing functional impairment, standard rates usually apply.

Moderate Chronic Migraines Requiring Prevention

Expected Rate Range: Standard to 10% higher

Chronic migraines requiring both Relpax for acute episodes and preventive medication may result in modest rate adjustments. Underwriters assess migraine frequency and disability. Well-managed chronic migraines despite needing prevention support at reasonable rates.

Severe or Disabling Migraines

Expected Rate: May face higher rates or additional evaluation

Severe migraines causing significant lost time from work, frequent emergency room visits, or treatment failures may result in higher rates or additional medical evaluation. Underwriters assess whether migraines are adequately controlled. Very frequent or disabling migraines may complicate approval.

Step 1: Clarify Your Migraine Frequency

Accurately assess how often you experience migraines. Do you have occasional episodes (a few times yearly) or frequent episodes (multiple monthly or weekly)? Be honest about the true frequency of your application.

Step 2: Gather Medical Records If Chronic

If you have chronic migraines, collect medical records documenting your diagnosis and treatment history. Include neurologist notes or headache specialist records if available. Current medical documentation strengthens your application.

Step 3: Be Honest on Your Application

Answer all health questions truthfully. If asked about migraine history or medication use, disclose honestly. If you have chronic migraines, mention them. Complete honesty prevents delays and protects your coverage.

Step 4: Emphasize Management Approach

Describe how you manage your migraines. Highlighting identification of triggers, prevention strategies, and effective treatment demonstrates responsibility and health consciousness.

Step 5: Respond Promptly to Requests

If underwriters request additional information or medical records, respond quickly. Prompt responses speed the process and demonstrate cooperation.

Step 6: Compare Multiple Insurers

Apply with multiple insurance companies to compare approval odds and rates. Different insurers have different perspectives on migraine history. Shopping increases your approval chances and finds the best rates.

Will I be denied life insurance because I take Relpax?

Direct answer: Very unlikely. Relpax use alone does not disqualify applicants.

Occasional Relpax use for migraines is not a denial factor. Chronic migraines may require explanation and possible additional evaluation, but approval is still achievable. What matters is your migraine pattern, not the medication itself.

Does occasional migraine treatment affect my life insurance rates?

Direct answer: No. Occasional Relpax use typically does not affect your rates.

Occasional migraines managed with Relpax have no impact on your life insurance rates. Normal nervous systems occasionally produce migraines—this is expected. Your rates depend on age and other health factors, not occasional migraine treatment.

I have chronic migraines and use Relpax frequently. How does this affect underwriting?

Direct answer: It depends on how well your migraines are controlled and whether they cause disability.

Frequent Relpax use indicates chronic migraines. If your migraines are well-controlled and don’t cause significant disability or loss of work time, approval is likely at standard rates. If migraines are poorly controlled or cause significant disability, underwriting is more detailed.

Should I mention occasional Relpax use on my application?

Direct answer: Not typically required for occasional use. If asked, answer honestly.

Occasional Relpax use is typically not a required disclosure item. However, if asked about medication use or migraine history on your application, answer honestly. Chronic migraines requiring frequent treatment should be disclosed.

I have migraine with aura. Does this affect life insurance?

Direct answer: Migraine with aura is slightly more complex but still insurable. Disclosure and medical documentation support approval.

Migraine with aura requires underwriters to understand your specific symptoms and medical evaluation. Provide medical documentation about your migraine type and treatment. Well-documented, well-managed migraine with aura is insurable.

Will I need medical testing or evaluation?

Direct answer: Depends on migraine frequency and severity. Occasional migraines typically require no special testing.

Occasional migraines rarely trigger special medical requirements. Chronic migraines may prompt underwriters to request neurologist records or a recent medical evaluation. Providing current medical documentation can satisfy underwriter concerns.

How long does underwriting take for migraine applicants?

Direct answer: Typically, 2-3 weeks for straightforward cases. Chronic migraines may require longer.

Occasional migraine use speeds underwriting. Chronic migraines may require additional medical records or an underwriter investigation. Providing complete medical documentation upfront speeds the process significantly.

Will my insurance rates change after I get the policy?

Direct answer: No. Once approved and in force, your premiums remain locked in.

Future changes to your migraine frequency, Relpax use, or neurological health do not affect your rates or benefits on an active policy. Your rates are guaranteed for the life of your coverage. Lock in protection now, regardless of future health changes.