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 Zymaxid or its generic form, Gatifloxacin, to treat conjunctivitis or pink eye.

Questions that will be directly addressed will include:

• Can I qualify for life insurance after I’ve been prescribed Zymaxid?
• 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 Zymaxid?

Yes, individuals who have been prescribed Zymaxid 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 Plus! This is because while Zymaxid is a prescription antibiotic, it is typically only used to help folks treat minor cases of conjunctivitis or “pink eye,” a condition that can certainly be a real pain to deal with but not one that most (if any) life insurance underwriter is really going to worry all that much about.

This is probably why…

The only time we here at IBUSA actually learn about the fact that an individual has actually been prescribed Zymaxid is when an applicant is actually in the process of applying for a life insurance policy. They start to get nervous about the fact that one of the questions that they will almost certainly be asked is…

“What prescription medications are you currently taking?”

And by nervous, we mean they begin to wonder whether or not they should wait to apply for a life insurance policy after they have stopped taking their Zymaxid.  We’ve got to be honest with you is really smart thinking because in a lot of situations, when an individual is currently undergoing treatment for some kind of pre-existing medical condition, it can often make sense to wait until one’s treatment has been completed prior to actually applying for a traditional term or whole life insurance policy.

Fortunately…

Having conjunctivitis isn’t a situation where one would need to “postpone” their life insurance application, and all truth be told, having been diagnosed with conjunctivitis really should play a role in the outcome of one’s life insurance application at all. But it does bring up an interesting topic, which is what “might” affect the outcome of your life insurance application if taking a medication like Zymaxid won’t.

You see while having been prescribed Zymaxid isn’t going to affect the outcome of your life insurance application, there are a wide range of other factors that might, which is why we wanted to take a moment and review some of the most common questions you’ll likely be asked during a “typical” life insurance application.

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

Common questions you’ll likely be asked when applying for a “traditional” life insurance policy will typically include:

• What is your gender?
• When were you born?
• What is your current height and weight?
• Have you ever 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?
• Aside from Zymaxid, are you taking any other prescription medications?
• In the past 12 months, have you used any tobacco or nicotine products?
• Do you have any issues with your driver’s license?
• Do you have any set plans to travel outside of the United States in the next 12 months?
• Do you currently participate or plan on participating in any dangerous hobbies?
• Have you ever been convicted of a felony or misdemeanor?
• In the past 2 years, have you applied for bankruptcy?
• 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 as you can see, there are a lot of factors that will come into play when determining what kind of “rate” an individual might be able to qualify for when applying for a traditional term or whole life insurance policy.  Some of these factors will clearly be related to the actual health of an individual, while at the same time, a surprising number of factors will actually have nothing to do with one’s health. Rather, they will focus more on “lifestyle” choices.

Which is why…

Without knowing more about you specifically, it’s pretty much impossible to know what kind of “rate” you might be able to qualify for.  That said, however, the one thing that we can say for sure is that having been prescribed Zymaxid isn’t going to affect the outcome of your life insurance application. Or in other words, the “rate” that you would be able to qualify for PRIOR to being prescribed Zymaxid will be the same “rate” that you would be able to qualify for AFTER having been prescribed Zymaxid!.  This brings us to the last topic that we wanted to take a moment and discuss with you here in this article, 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 families. This 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!