In this article, we wanted to take a moment and answer some of the most common questions we get from folks applying for life insurance after they have been prescribed Zyrtec (or its generic form Cetirizine) to help treat symptoms associated with hay fever and allergies.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been prescribed Zyrtec?
- Why do life insurance companies care if I’ve been prescribed Zyrtec?
- 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 Zyrtec?
Yes, individuals who have been prescribed Zyrtec can and often will be able to qualify for a traditional term or whole life insurance policy. Heck, many of them may even be able to qualify for a no-medical exam term life insurance policy at a Preferred rate!
Why do life insurance companies care if I’ve been prescribed Zyrtec?
Most life insurance companies aren’t going to “care” all that much about the fact that you’ve been prescribed Zyrtec simply because it’s not one of those “kinds” of medications that would necessarily alarm a life insurance underwriter.
That said, however we have all heard stories about how an individual can either become really sick or even die as a result of an asthma attack or a severe allergic reaction which is why you may end up being asked a few questions specifically designed to determine whether or not the underlying reason “why” you’ve been prescribed Zyrtec should be one that they ought to be worried about.
What kind of information will the insurance companies ask me or be interested in?
Most life insurance companies are going to want to ask a wide variety of different questions, all designed to determine how healthy you are during any life insurance application. Now in the case of individuals who have been prescribed Zyrtec in the past, chances are, the questions that you’ll be asked aren’t going to vary all that much from traditional questions. The only difference is that more “attention” may be spent on reviewing your answers to some questions vs. others.
Common questions found in most life insurance applications will include the following:
- Date of birth?
- Height and weight?
- Have you ever been diagnosed with any serious 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 suffered from a heart attack or stroke?
- Are you currently taking any prescription medications?
- Here is where an insurance underwriter will be looking for additional medications, which, when combined with Zyrtec, could provide insight into the severity of your allergies.
- Have any of those medications changed in the past 12 months in any way?
- In the past two years, have you been hospitalized for any reason?
- In the past 12 months, have you used any tobacco or nicotine products?
- Do you have any issues with your driver’s license? Issues such as multiple moving violations, a DUI, or a suspended license?
- Have you ever been convicted of a felony or misdemeanor?
- Do you have any set plans to travel outside of the United States?
- 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 many factors that can come into play when determining what kind of “rate” an individual might qualify for. And without speaking to an individual directly, it’s pretty much impossible to suggest one “rate” vs. another.
What we can tell you is that for the vast majority of individuals taking Zyrtec to simply help them manage “minor”, allergic reactions having been prescribed Zyrtec really shouldn’t affect your application whatsoever. Or, to put it another way, the rate that you would have been able to qualify for PRIOR to being prescribed Zyrtec should be the same rate that you would be able to qualify for AFTER having been prescribed Zyrtec. This brings us to the last topic that we wanted to take a moment and discuss 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 family.
Now, will we be able to help out everyone who has been prescribed Zyrtec?
No, probably not. But what we can tell you is that in addition to offering a wide variety of different term and whole life insurance policies, IBUSA has also worked very hard to establish relationships with many of the Best Final Expense Insurance Companies as well. This way, if someone isn’t able to qualify for a traditional life insurance policy, chances are there may be some other “type” of product that you CAN qualify for.
So, if you’re ready to see what options might be available to you, just give us a call!