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Life Insurance for Uroxatral (Alfuzosin) Users. Everything You Need to Know at a Glance!


Life Insurance for Uroxatral 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 Uroxatral or its generic form Alfuzosin to help treat urinary problems commonly caused by an enlarged prostate also commonly referred to as benign prostatic hyperplasia.

Questions that will be directly addressed will include:

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

While having been prescribed Uroxatral may attract the attention of some life insurance underwriters during a traditional life insurance application process, at the end of the day, it’s prescription alone should not have any effect on its outcome.

That said however…

Because Uroxatral is a prescription medication designed to help folks who seem to be having difficulty urinating due to an enlarged prostate, one should not be surprised if they’re asked a series of questions about their Uroxatral prescription prior to being approved for coverage.

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

Life insurance companies aren’t all that worried about the fact that you’ve been prescribed Uroxatral.  Rather, they are much more concerned with the fact that you have been diagnosed with an enlarged prostate, albeit caused by benign prostatic hyperplasia-BPH.  As a result, what you’re likely going to find is that prior to having your life insurance application “processed” most (if not all) life insurance companies will want to know a little bit more about your situation prior to making any kind of definitive decision about whether or not to offer you a life insurance policy.

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

Mainly, what insurance companies are going to be most interested in is if in fact you have been diagnosed with benign prostatic hyperplasia and not actually prostate cancer.  The good news is that because Uroxatral is a medication that is used to simply “relax” the muscles around the prostate and bladder rather than try and treat any cancerous growth, most (if not all) life insurance underwriters aren’t going to “dwell” too long on whether or not you’ve been diagnosed with BPH vs Prostate cancer.

But…

Nevertheless, we are dealing with folks whose official occupation is to worry so we really can’t blame them for wanting to ask a few questions such as:

  • When were you first diagnosed with benign prostatic hyperplasia-BPH?
  • Who diagnosed your BPH? A general practitioner or a urologist?
  • How often do you see your doctor or a checkup?
  • When was the last time you had your PSA level checked?
  • What was the value of your last PSA?
  • Have you ever been diagnosed with prostate cancer?
  • Is Uroxatral the only medication that your taking to treat you BPH?

What rate (or price) can I qualify for?

Once it has been determined that the difficulties that you’re experiencing urinating is the result of benign prostatic hyperplasia-BPH and not prostate cancer, in theory you should still be eligible to qualify for the best possible life insurance rate available, a Preferred Plus.

Now we say…

In theory because there are a lot of factors that will come into play when determining what kind of “rate” you may be eligible for.  Some of these factors will obviously center around your own personal health, but some of them will actually not be related to your own health at all!

Examples being:

  • Your immediate family medical history,
  • Your driving record,
  • Travel plans to potentially dangerous locals,
  • Hazardous work environment or dangerous occupations,
  • Participation in hazardous hobbies,
  • Etc…

Which brings us to the next 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 seems to work the “best” for helping folks find the best life insurance policy that they can qualify for is to…

 First…

Fully understand what the client is hoping to achieve by purchasing their life insurance policy.

And second…

Make sure that we here at IBUSA have plenty of options for them to choose from so that neither they or we have to rely on just one or two different options.

Which is why…

Our recommendation to anyone looking to purchase a term or whole life insurance policy whether they’ve been diagnosed with a serious pre-existing medical condition or not, is to first make sure that you choose to work with a life insurance agent who takes the time to understand what you’re looking to accomplish and second, make sure that this agent has dozens of different life insurance companies for you to choose from.

The good news…

Is that here at IBUSA, we have both of those needs covered, so all you need to do is give us a try!  So, what are you waiting for?  Give us a call today and see what we can do for you!

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