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 Sular or its generic form, Nisoldipine, to help treat high blood pressure (hypertension).
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been prescribed Sular?
- Why do life insurance companies care if I’ve been prescribed Sular?
- 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 Sular?
Yes, individuals who have been prescribed Sular can and often will be able to qualify for a traditional term or whole life insurance policy. In fact, many may even be able to qualify for a Preferred rate! This is why we here at IBUSA will often recommend that folks who have only been prescribed Sular and don’t seem to be taking any other prescription medications or have any other pre-existing medical conditions take a look at some Simplified Issue Life Insurance or No Medical Exam Life Insurance options as well when choosing which life insurance company/policy might be best for them.
Why do life insurance companies care if I’ve been prescribed Sular?
The only real reason why a life insurance company might “care” if you’ve been prescribed Sular is because it’s basically going to tell them two things. First, if you choose to take a medical exam and have your blood pressure taken, having been prescribed Sular will let the insurance companies know that your current blood pressure levels are likely the result of having taken Sular.
In cases where an individual’s blood pressure is at a healthy level is fine, but when an individual is using a prescription medication to help them maintain a healthy blood pressure level and it’s not working, this could become a problem during the application process.
The second reason…
Why a life insurance company might “care” if an individual has been prescribed Sular is actually a “good” reason because having been diagnosed with hypertension and subsequently receiving treatment to treat it will show a life insurance company that you are on “top” of your health care and aren’t like so many other American’s nowadays who haven’t actually seen their doctor for years and years.
That said, however…
One should still be prepared to be asked a series of questions about their Sular prescription so that a life insurance company can get a better idea about “why” you’ve been prescribed Sular and just how “serious” the underlying medical condition that warranted its use is.
What kind of information will the insurance companies ask me or be interested in?
Common questions you’ll likely be asked may include:
- When were you first prescribed Sular?
- Who prescribed your Sular? A general practitioner or a cardiologist?
- Why have you been prescribed Sular?
- Has Sular helped you reduce your blood pressure levels?
- Are you currently taking any other prescription medications?
- Have you been diagnosed with any serious pre-existing medical conditions?
- Have you ever been diagnosed with cancer, heart disease, or diabetes?
- Have you ever suffered from a heart attack or stroke?
- Have any of your immediate family members (mother, father, brother, or sister) ever been diagnosed with cancer, heart disease, or diabetes? Have any of them 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?
- 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?
As you can see, there are a lot of factors that can come into play when trying to determine what kind of rate an individual who has been prescribed Sular can qualify for. This is why it’s pretty much impossible to say for sure without actually speaking to the individual in question.
There are, however, a few “assumptions” that we can make assuming that an individual is only using their Sular to control their blood pressure (hypertension) and doesn’t seem to be at an increased risk of suffering from any other pre-existing cardiac issues. For folks like these, what we’ve found is that most will “potentially” be eligible for a Preferred rate assuming that they would otherwise be eligible.
Or, in other words…
Using Sular to control your hypertension ought not to be something that would prevent you from being able to qualify for a Preferred rate. In fact, it may be something that actually increases your chances of qualifying for such a rate, assuming that it is helping you maintain a healthy blood pressure level. Unfortunately, there are “some” life insurance companies that may make it only possible for you to be able to qualify for a Standard rate, which is why you’re going to want to take care “of which” life insurance company you ultimately decide to apply with.
This brings us to the last topic that we wanted to take a moment and discuss with you 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 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?
So, what are you waiting for? Give us a call today, and let us earn the right to protect your family today!