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 Tobramycin (inhaler) or one of the common brand names it is sold under, including:

• Bethkis,
• Kitabis Pak
• Tobi Podhaler,
• Tobi

Or Tobrex to help treat lung infections directly related to suffering from Cystic Fibrosis. It should be noted that Tobramycin can also be used in various forms which can be used to treat a wide range of infections

Questions that will be directly addressed will include:

• Can I qualify for life insurance after I’ve been prescribed Tobramycin?
• Why do life insurance companies care if I’ve been prescribed Tobramycin?
• 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 Tobramycin?

Yes, individuals who have been prescribed Tobramycin can and often will be able to qualify for a traditional term or whole life insurance policy. In fact, they may even be able to qualify for no medical exam life insurance policy at a Preferred Plus rate! 

The only caveat to this is that this will only apply to those who have not been diagnosed with Cystic Fibrosis.

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

While it is true that most life insurance companies will be “somewhat” interested in the fact that you may have been prescribed Tobramycin in the past, what they are really going to be looking for is whether or not your Tobramycin prescription is an “inhaled” version and whether or not you’ve actually been diagnosed with Cystic Fibrosis.

Because…

If you have, regardless of how well you’re managing your condition or what treatment options/procedures you have undergone, to the best of our knowledge, there isn’t a life insurance company currently willing to provide one with a traditional term of whole life insurance policy.

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

Most life insurance companies aren’t going to need to ask an applicant a ton of questions when it comes time to understand “why” an individual has been prescribed Tobramycin. In fact, they’re probably only going to ask a couple of questions mainly:

• Why have you been prescribed Tobramycin?
• Have you been diagnosed with Cystic Fibrosis?
• How old are you?

From there, most life insurance underwriters, and we here at IBUSA will usually have a pretty good idea about what “kind” of life insurance policy that you might be able to qualify for.

What rate (or price) can I qualify for?

If you have been prescribed Tobramycin and haven’t been diagnosed with Cystic Fibrosis, you may qualify for a traditional term or whole life insurance policy. Additionally, it would be reasonable to “assume” that if you’re currently treating your infection and you don’t seem to be suffering from any lingering effects from your infection, you’ll probably be able to qualify for the same “rate” that you would have been able to qualify for PRIOR to having been prescribed Tobramycin.

Now…

For those who have been prescribed Tobramycin to help them treat infections directly related to their Cystic Fibrosis, it’s pretty safe to say that you will not be able to qualify for a traditional term or whole life insurance policy.

This is why…

We here at IBUSA will want to know how old you are because if you are over the age of 50 (sometimes 45 depending on certain states), there is a chance you may be able to qualify for a guaranteed issue life insurance policy. These “types” of life insurance policies can often be a suitable alternative for those unable to qualify for a traditional life insurance policy despite the fact that they will only provide up to around $25,000 in coverage and contain a Graded Death Benefit, which will require one to have to wait 2 to 3 years before the policy will cover natural causes of death.

The good news is that, we have tons of experience helping folks with all sorts of pre-existing medical conditions find and qualify for life insurance so this is not something that you have to do on your own! You have to give us a call.

This brings us to the last topic that we wanted to take a moment and discuss, 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 professional who will work as an advocate for you. Such an agent who can help guide you through the application process but be perfectly “frank” with you about what options may or may not be possible for you.

From there…

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?

Lastly, you’ll want to ensure you’re completely honest with your life insurance agent before 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!