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


Life Insurance for Viibryd 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 Viibryd or its generic form Viladozone to help treat or manage symptoms associated with depression.

Questions that will be directly addressed will include:

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

Yes, individuals who have been prescribed Viibryd 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 a Preferred rating when being used to treat “mild” cases of depression.

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

Life insurance companies “care” if an individual has been prescribed Viibryd because Viibryd is used to help folks manage symptoms of depression which is a pre-existing medical condition which can greatly affect the outcome of one’s life insurance application.

The problem is…

That unlike other “types” of pre-existing medical conditions where someone can simply take a test to determine how “severe” their condition is, when it comes to understanding the severity of one’s depression you’re really going to have to dive into the “details”.  This is why once a life insurance underwriter learns that you have been prescribed Viibryd he or she is then probably going to want to ask you a series of questions about your Viibryd designed to learn more about how “serious” your condition might be.

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

Common questions you’ll likely be asked once a life insurance underwriter learns that you’ve been prescribed Viibryd may include:

  • When were you first prescribed Viibryd?
  • Who prescribed your Viibryd? A general practitioner or a psychiatrist?
  • Why have you been prescribed Viibryd?
  • How often do you take your VIibryd?
  • How well is it helping you manage your symptoms?
  • Have you been given a “specific” diagnosis?
  • Is Viibryd the only prescription medication that you’re currently taking now?
  • Have any of your prescription medications changed in any way over the past 12 months?
  • Have you been hospitalized for any reason within the past 2 years?
  • Do you have any history of drug or alcohol abuse?
  • Have you ever attempted or contemplated suicide?
  • Do you have any issues with your driving record?
  • Have you ever been convicted of a felony or misdemeanor?
  • 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?

Now, if you just read those questions and can’t figure out for the life of you why a life insurance underwriter would be asking you questions like these about your Viibryd prescription, chances are you’ve only been diagnosed with a “mild” case of depression and you might be able to qualify for a Preferred rating!

As for those…

Who can relate to some of these questions or understand why a life insurance underwriter might be interested in the fact that you’ve been prescribed Viibryd in the past, don’t fret!  Just because you may not be a “perfect” life insurance applicant doesn’t mean that you won’t be able to qualify for coverage, it just means that you’re probably going to have to be more “selective” with which company you do choose to apply with and it could possibly mean that you might have to pay more for your insurance than someone who might only be diagnosed with a “mild” case.

“But so, what!”

So will a lot of those people.  People who may not have been prescribed Viibyrd or been diagnosed with depression.

You see…

There are a lot of factors that will come into play when determining what kind of “rate” an individual will be able to qualify for which is why, regardless of how healthy you may or may not be, it’s important to always “shop” around and ultimately choose your life insurance agent wisely.

Which brings us to the last topic that we wanted to take a moment and discuss here today 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.

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 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!

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