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Life Insurance for People Taking Viagra

Having life insurance coverage is typically considered to be an important component of most people’s overall financial plans. This is because, without it, loved ones and survivors could be left without assets or income that is needed to go on. They may also be required to pay off large debts of the decedent – putting them in a difficult financial position.

Obtaining life insurance can often be easy – especially for those who exhibit good health. But for those who have various health related issues and / or those who take certain types of medication, getting this type of insurance coverage can become more difficult.  For example, you may be looking for life insurance for diabetics or even Veterans Life Insurance.  We can help you with this and many other types of insurance.

In some cases, various medicines can cause dangerous side effects – which may in turn, be the cause of additional health issues, and may even lessen the person’s life expectancy. In other instances, though, such as when taking Viagra, there is not a negative effect when applying for coverage.

life insurance for people taking viagra

How Taking Viagra Can Affect Your Life Insurance Application

Viagra is a prescription medication that is typically used for treating erectile dysfunction in males. This medication does so by relaxing muscles and increasing the blood flow to particular areas of the body. There are, however, other uses for Viagra as well. For example, it has also been used for the treatment of pulmonary arterial hypertension.

The medication has some common side effects, which primarily consist of heartburn and headaches, as well as flushed skin. Because the more serious side effects of Viagra are very rare, it is uncommon that a life insurance company would deny an applicant for coverage based solely upon their taking of this medication. This is especially the case if the applicant was otherwise in a healthy condition and did not work in what was considered to be a dangerous occupation.

What the Life Insurance Company Will Want To Know About You If Taking Viagra

In most instances, taking Viagra will not have a major effect on a person’s ability to be accepted (or not) for life insurance coverage. However, the insurance carrier will still need to know about an applicant’s health history and other potential risk factors before determining whether or not to accept the individual for coverage. This is because there are many potential factors that could still make a person a potential risk of claim for a life insurer – regardless of whether or not they take Viagra.

Applying for life insurance will require that the life insurance company know about the applicant and their health statistics. Therefore, it will be required that the application for coverage be completed as truthfully and completely as possible. Here, information that is asked for by the insurance carrier will usually include the following:

  • Name
  • Contact Information
  • Gender
  • Age
  • Height & Weight (i.e., weight as it pertains to height)
  • Prescription Medications Taken
  • Marital Status
  • Children
  • Occupation & Income
  • Smoking Status / Tobacco Usage
  • Alcohol Consumption / Frequency
  • Hobbies (i.e., risky hobbies such as scuba diving, skydiving, rock climbing, etc.)
  • Foreign Travel
  • Family Health History
  • Overall Health History

In most cases, an applicant for life insurance coverage will need to take a medical examination. This will consist of meeting with a paramedical professional for about 30 minutes. Here, the “paramed” will obtain a blood pressure and a heart rate reading. They will also obtain a blood and a urine sample. These samples will be tested for various health risks by the insurance company. If you have high blood pressure and you’re concerned that you may not qualify for life insurance, don’t let that stop you from getting the insurance you deserve. You may still qualify for life insurance with high blood pressure.

In addition to the information that is provided to the insurance company, it is possible that records from the applicant’s primary care physician and/or any type of specialist that they see will need to be reviewed by the underwriters. In some cases, these medical records can help the underwriters to obtain a more clear and accurate view of the applicant’s overall health history and condition.

If, for instance, an applicant is taking Viagra along with other types of prescription medication, this will need to be reviewed – as, in some instances, this could be cause for concern due to the side effects that the combination of certain medications may have.

After all of the applicant’s information has been obtained by the insurer, it can then be more carefully reviewed. At that point, a decision may be made about life insurance coverage, as well as regarding a premium cost for a policy.

How Much Will Your Life Insurance Coverage Cost

The good news is that if Viagra is the only medication that a person is taking – and all other signs point to good, or even average, health – then it is likely that life insurance coverage will be approved.

If the insurance carrier deems the applicant to be of average health, then they will typically be offered a policy that is in the Standard class, meaning that the premium that is charged will be in line with others who are in the same age range and gender, and who also have average health.

If, however, health is somewhat below average, and then it is more likely that the policy would be approved as a substandard class. This means that the premium would be higher than that of a Standard policyholder.

On the other hand, if an applicant is in excellent health – and also has a family history of excellent health as well – then a preferred rating is possible. This is the case, even if they are taking Viagra. Those who are in the preferred policyholder category will typically pay less for their life insurance coverage than the average policyholder.

It is important to understand, however, that not all life insurance carriers will underwrite their applicants for coverage in the same way. What this means is that if an individual who is taking Viagra applies for coverage with one carrier, he may be approved as a Standard policyholder. If, however, that very same applicant applies at another carrier, he could be approved as a Preferred – even with the same characteristics on the application. With this in mind, it helps to shop and compare with different life insurance carriers before making your final decision on coverage, as it could essentially make a very big difference in the premium price that you pay over time.

One of the best ways of doing so is to work with either a company or an agency that has access to multiple carriers. That way, you won’t have to take the time yourself and go from one carrier to another on your own.

If it does occur that the applicant is unable to qualify for coverage based on poor health condition, there is still the option of applying for a guaranteed issue policy. With this type of life insurance plan, there is no medical exam to contend with as a criteria for underwriting. Here, the applicant will usually just be required to answer some questions on the application for coverage – and, provided that the premium is paid, the coverage will remain in force.

The premiums that are charged on a guarantee issue life insurance policy are typically higher than those of even a substandard policy. This is because these insureds are usually considered to be riskier to the life insurance carrier. However, these policies will oftentimes provide the only option that is available to an individual for offering the protection that is needed.

How and Where to Find the Best Quotes on Life Insurance for People Taking Viagra

When looking for life insurance for people taking Viagra, there are many options available. In this situation, your best course of action is typically to work with either a company or with an agency that has access to more than just one life insurance carrier. This is because with multiple carriers to compare, you will be able to look at a variety of policies, benefits, and premium quotes – and from there, decide on which one will be the best for you and your specific coverage needs.

If you are ready to move forward, our team at InsureNow365.com can help. We work with many of the best life insurance companies in the industry today, and we can assist you with obtaining all of the details that you need. We can do so for you quickly and conveniently – and without the need to meet in person with a life insurance agent. When you’re ready to get started, just fill out the form on this page.

Should you feel that you still have any questions regarding obtaining life insurance for those who take Viagra – or even if you just need answers about life insurance in general – please feel free to give us a call. We can be reached directly by phone, toll-free, by dialing 888-229-7522.

We understand that when it comes to life insurance planning, you may not have all the answers. But the good news is that you now have an ally on your side. So, contact us today – we’re here to help.

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