Life Insurance for Prescription Birth Control users.

In this article, we wanted to take a moment and try and answer some of the most common questions we get from women who are applying for life insurance while they are currently taking a prescription birth control medication such as:

• Alesse, Apri, Aranell, Aviane, Azurette,
• Beyaz,
• Camila, Caziant,
• Desogen,
• Enpresse, Errin, Estrostep Fe,
• Gianvi,
• Heather,
• Jencycla, Jolivette, Junel Fe,
• Kariva,
• Lessina, Levlite, Levora, Loestrin, Lo Orval, Low-Ogestrel, Lybrel,
• Mircette,
• Natazia, Nordette, Nora-BE, Nor-QD,
• Ocella, Ortho Evra, Ortha Micronor, Ortho-Novum, Ortho Tri-Cyclen,
• Previfem,
• Reclipsen,
• Safyral, Seasonale, Seasonique,
• TriNessa,
• Velivet,
• Yasmin, Yaz.

Questions that will addressed will include:

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

First things first, “YES,” the vast majority of individuals who have been prescribed birth control can and often will be able to qualify for a traditional term or whole life insurance policy.

In fact, most individuals who have been prescribed birth control will also be considered “eligible” for a Preferred or Preferred Plus rate. Some may even be able to qualify for some of the best no medical exam life insurance companies at a Preferred rate as well!

This is mainly because…

For the vast majority of women who have been prescribed birth control, their prescription won’t have any effect what so ever on the outcome of their life insurance application. It will be as if it never was prescribed in the first place.

That said however…

There are cases where the fact that an individual has been prescribed a prescription birth control can potentially affect the outcome of one’s life insurance application. This is why insurance companies will take note of one’s prescription and see if it might be an indicator of some other “issue” which the life insurance company may actually be interested in.

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

What you’re generally going to find is that most of the best life insurance companies (in our humble opinion) aren’t all that interested in woman applicants who have been prescribed birth control for the purposes of preventing pregnancies. It’s only when a prescription birth control medication is being used to help treat or prevent some other kind of “symptom” that could cause a life insurance company to become “alarmed” or interested in learning more about that “condition” prior to moving forward with your life insurance application.

Other reasons why an individual might be prescribed birth control that could affect one’s life insurance application may include:

• To prevent ovarian cysts.
• To prevent/treat endometriosis.
• To prevent Anemia.
• And to avoid migraines.

This is why…

When reviewing your “total” life insurance application, if it looks like your birth control prescription could be being used to help treat a pre-existing medical condition in and addition to being used to prevent pregnancy, it’s quite possible that they may want to learn more about your situation before making a decision about your life insurance application.

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

If you’re simply using your birth control to prevent pregnancy, don’t be surprised if you’re not asked about it by the life insurance company you chose to apply with. This is because, while they will see your prescription listed on a routine “prescription database check,” it’s presence shouldn’t be cause for alarm.

That said, however…

If it appears that your prescription birth control is being used to treat some other underlying pre-existing medical condition such as:

• Ovarian cysts,
• Endometriosis,
• And/or migraines,

Don’t be surprised if they’re going to want to know more about how each of these medical conditions may be affecting your life.

Now…

In cases like these, what you’ll likely find is that while your birth control prescription may have been one of the things that “tipped” the life insurance underwriter that you’ve been diagnosed with some other “type” of pre-existing medical condition, at the end of the day that medical condition will be what determines the outcome of your life insurance application, not the prescription itself.

What rate (or price) can I qualify for?

Assuming that you’re only using your birth control to prevent pregnancies, in theory, you should still be considered eligible for a Preferred or Preferred Plus rate. Now, we say “in theory” because one does need to remember that there are a lot of factors that will come into play in whether or not an individual will be able to qualify for one of these “exceptional” life insurance rates, the “take away” here though is that you’re use of a prescription birth control will not be one of them.

As for those…

Using their prescription birth control for some other reason in and/or addition to preventing pregnancies, as we’ve stated before, that “reason” will most likely be the most pertinent determinant in what kind of “rate” that you may be able to qualify for. This brings us to the last topic that we wanted to 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 the 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 prescription birth control?

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 as a variety of different life insurance companies who offer a wide range of Accidental Death Policies.

So that…

In the event that 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!