Volunteering to face dangers that most people never have to think about in their daily lives is to be appreciated and commended, but due to this increased risk military personnel have special life insurance options for while they are in the military. However, once a veteran retires from the military, there are many more options for veterans life insurance. [Read more…]
Applying for life insurance can entail several steps. Typically, an applicant will need to complete an application for coverage that will inquire about his or her personal information, as well as about health and medical related details such as dementia or even diabetes. This will also include data regarding any prescriptions that are being taken for various medical conditions, as these could essentially have an effect on the individual’s overall health – which may, in turn, affect their life insurance qualification factor.
One such medication that would need to be listed is Lisinopril. This drug is prescribed for those who have been diagnosed with conditions such as high blood pressure – also referred to as hypertension. However, it can also be used for those who have congestive heart failure. In addition, Lisinopril has been proven to be effective for those who have already suffered from a heart attack.
How Taking Lisinopril Can Affect Your Life Insurance Application
Lisinopril is a drug that is considered to be an angiotensin-converting enzyme, or ACE, inhibitor. This medication is sold under the brand names of Zestril and Prinivil. The medication essentially works by blocking a substance in the body that causes the blood vessels to tighten up.
When taking Lisinopril, the vessels tend to relax, which will in turn, lower the individual’s blood pressure. This can increase the blood supply and the supply of oxygen to the individual’s heart. This is how the medication helps in lowering blood pressure, as well as in helping to prevent heart failure in the recipient.
Although a life insurance underwriter may take a closer look at the application of a person who takes Lisinopril, this drug will typically have very little overall effect on a person’s chances of being approved for life insurance coverage, as well as the premium rate that is charged – provided that he or she is otherwise in good health.
What the Life Insurance Underwriters Want to Know About You
It will be required that an application for coverage be completed. In addition, the underwriters will want to have more details regarding why a person has been prescribed this medication, as well as what the amount of their dosage is – and whether or not the amount of that dosage has changed over time. Therefore, a life insurance applicant may also be asked some or all of the following questions if they are applying for life insurance while taking Lisinopril:
- When were you initially diagnosed with your condition (i.e., high blood pressure, heart failure)?
- What is your current health condition (i.e., the condition that prompted the prescription of the Lisinopril)?
- Have you had any relevant testing performed within the past six months?
- What is the amount of your Lisinopril dosage?
- Has the amount of your Lisinopril dosage changed over time?
- Are you managing your condition (i.e., high blood pressure, heart failure) in any other manner, such as through diet and / or exercise?
Life insurance applicants who apply for coverage are normally then asked to go through a short medical exam that can occur at your home or your office.
There is a small battery of tests like the blood pressure, and tobacco test. Then they’ll prick your finger for blood to test for cholesterol levels, and a urine test to determine other issues.
Once the lab runs your tests, and sends the information back to the home office, the underwritter will have a cleaer picture of what your overal health is like, and most likely be able to determine if your policy will be approved and how much your premium will be.
How Much Will Your Coverage Cost
The amount of your life insurance coverage will be primarily dependent upon the type and amount of policy that you choose, as well as your age, gender, and overall health condition. It is possible for someone to obtain a preferred premium rate on life insurance when they have high blood pressure or life insurance with high cholesterol provided that they are in excellent overall health, and have a family history of excellent health. This means that they must also be managing their condition in a favorable way, as well.
If, however, your health is deemed to be average – even with the taking of Lisinopril, and then it is more likely that your policy will be classified as a Standard. In this case, the premium that is charged will be more in line with that of an average policyholder. Likewise, should it be deemed that your health is below average, then a substandard classification, and a correspondingly higher premium rate because of the high risk life insurance classification.
How and Where to Get Quotes for Life Insurance While Taking Lisinopril
There are a few steps you can take to make sure you are doing everything you can to get the lowest rate, highest class rating, and best plan for your budget.
- Quit using tobacco
- Start eating better and exercising
- Find an independent insurance agency
- Ask them to compare quotes from multiple carriers
Doing these things puts you in the best position possible. If you wish to get started, give us a call at 888-229-7522, and we will begin our work immediately.
For most people, being accepted for life insurance is as easy as answering some questions and taking a medical exam. Unfortunately, though, this is not the case for everyone – and especially for those who may have some type of adverse health condition such as dementia or diabetes.
Because certain health issues can cause risk to one’s life expectancy, life insurance companies will also see these as risks to the potential for paying out a claim – and in turn, they will either charge a higher premium amount, or they may even decline the applicant for coverage altogether.
While those who have osteoarthritis are not considered to have a life-threatening condition, this issue can cause a life insurer to more closely review an applicant’s overall health history before considering him or her for coverage – depending on the situation, it could cause premiums to go up.
What is Osteoarthritis and What Affect Can It Have on a Life Insurance Application?
Osteoarthritis is the most common kind of arthritis. This type of the arthritis condition can cause the cartilage that is between one’s bone joints to wear away – which, in turn, can lead to a great deal of stiffness and discomfort.
Some of the most common methods of treating osteoarthritis can include using over-the-counter medicines such as aspirin, Aleve, and Advil, as well as using stronger prescription medications.
Underwriting an applicant with arthritis can be tricky. This is because there are many – more than 100 – different types of arthritis, as well as different levels of the conditions regarding how a person is affected. Therefore, there are many questions that will typically need to be answered.
What Will the Life Insurance Underwriters Want to Know?
Let’s look at some of the questions the insurance agent will ask you during the application:
- How old are you?
- What’s your gender?
- How tall are you and how much do you weigh?
- What’s your job and how much do you earn?
- Are you married?
- Do you smoke or use chewing tobacco?
- Do you drink alcohol? If so, how often?
- They are going to ask a lot of questions about your health history
- Family Health History
- Foreign Travel Frequency
- Do you participate in any risky hobbies? (skydiving, scuba diving, etc.)
- Do you have any other life insurance plans? (and if so, how much coverage)
These are only a few of the questions they are going to ask. These are the generic questions, they are going to ask more specific ones about your arthritis,
- When were you diagnosed?
- How have you managed your diagnosis?
- What medications do you take?
- Has your osteoarthritis ever caused a disability?
- Are you able to work full time, or has your osteoarthritis affected your work duties?
- Do you use any devices such as a walker or a cane to assist you with walking?
- Has your osteoarthritis caused any type of deformity of the joints?
After you’ve answered all these questions, the agent is going to schedule a medical exam. The medical exam will complete the picture of you.
This will include getting a sample of blood and a urine sample. It’s a very simple exam, nothing major or serious. The whole thing shouldn’t take longer than 30 minutes.
Once they’ve done all this, they are going to take all this info, bundle it up, and send it to the underwriters.
Maybe you’re concerned because you are needing life insurance after a heart attack; we can help.
What Will Be the Cost of Your Life Insurance Coverage?
The premiums for your life insurance are going to be connected to all the factors we mentioned above, and many more. All of those questions and factors are variables in calculating your rates.
Becuase we don’t know your situation, we can’t give you exact rates. Depending on the other factors, the osteoarthritis itself won’t cause you to get awful premiums. There is a good chance you’ll get standard rates for your plan.
Depending on your age, your policy could be $70 for $1,000,000 but you’ll probably spend much more than that for your coverage.
All of this is assuming you don’t smoke or use chewing tobacco. If you do smoke or chew, kiss those rates goodbye. Tobacco users have their own table of rates the company is going to use.
Getting the Best Quotes for Life Insurance with Osteoarthritis
You want affordable rates. Everyone wants a plan with cheap rates without having to sacrifice their protection.
Getting cheap life insurance doesn’t have to be a long journey. It can be a few simple steps.
Improve your health. Quit smoking. Follow the doctor’s orders. Compare plans.
These are some of the steps you will need to take to get quality insurance. It doesn’t take a genius plan or insurance professional to get cheap rates.
The quickest of those steps to complete is comparing plans. We can’t help you get in shape or quit smoking, but we can help you compare policies.
How quick can you compare plans? In minutes! Answer those questions over on the side and that’s it. You can see real plans at real prices.
This is because life insurance rates for overweight or obese people are always higher than standard rates.
Although some people can lose weight by simply changing their diet and exercising, for others, it’s not so easy. In still other cases, weight may be an issue that is a factor in other serious health complications. For these individuals, getting a sleeve gastrectomy may be recommended for removing some of the weight, and ultimately improving their overall health.
Yet, even though this procedure can be helpful, it too can also come with its own potential set of complications. For this reason, some who have undergone this type of surgery may find it hard to get life insurance – at least by going the traditional route. It is, however, possible for many who have undergone a sleeve gastrectomy to get the coverage that they need.
How the Sleeve Gastrectomy Procedure Works
Sleeve gastrectomy, also known as gastric sleeve surgery, has become a popular surgical procedure for helping individuals to lose weight. Over the past several years, it has overtaken gastric bypass in terms of preference for many surgeons. One reason for this is because the sleeve gastrectomy procedure is less invasive, and it does not rearrange the patient’s digestive system. It is also typically a less expensive procedure.
Yet, the sleeve gastrectomy procedure has been shown to have similar results regarding patients’ weight loss, and it also has been shown to have a comparable impact concerning obesity health-related issues.
The sleeve gastrectomy instead works by removing a large part of the individual’s stomach. This leaves a banana-shaped “sleeve,” which then connects the patient’s esophagus to their small intestine.
Often, anyone with body mass index (BMI) of 50 will have this procedure performed as a first step to getting their weight reduced prior to moving forward with a more invasive surgery such as the gastric bypass or the duodenal switch.
While other weight loss surgeries have proven to have many potential complications, the sleeve gastrectomy has shown to have less. For example, it tends to have a reduced risk of malnutrition or vitamin deficiency. Also, it avoids issues such as dumping syndrome – an issue that can be common with procedures such as gastric bypass and gastric banding.
There are, however, some considerations to be aware of with the gastric sleeve, which can pose a risk to one’s health. This, in turn, can be of concern to a life insurance underwriter. For example, this particular operation can create a long line of staples which can present an increased risk of both bleeding, as well as staple line leaks.
Also, unlike the gastric banding surgery, the sleeve gastrectomy procedure is not reversible. This means that once the patient’s stomach has been shrunken, there is not any way to change it back to its original size.
The main side effect that those who have sleeve gastrectomy surgery experience is GERD or gastroesophageal reflux disease. While this typically improves with time, approximately one out of five patients will still experience this one year after the surgery. However, after three years, only approximately 3% of patients are still experiencing the GERD side effects.
Can You Qualify for Life Insurance Coverage?
We get this question a lot – can you get life insurance after having a gastrectomy surgery?
While every situation is different, in most cases, the answer is yes!
As long as you don’t have any major health problems, you can get coverage at a reasonable rate.
What the Life Insurance Underwriters Will Want to Know
Because you’ve had a major surgery in the past, you’re going to face some questions other application won’t:
- When did you have your sleeve gastrectomy procedure performed? The time frame of when you had your sleeve gastrectomy performed can make a difference in your life insurance application. For instance, if your procedure was performed within just the past six months, then it is likely that the underwriters will want you to wait until some additional time has passed. If, however, it has been more than two years, and then you can typically proceed with your application.
- Have you had any related health problems in the past six months? Various symptoms such as diarrhea after eating and/or bloating could be signs of complications that need additional attention by your doctors. If this is the case, the underwriters may also need more information on your overall health condition before moving forward.
- What prescriptions are you taking (If so, what medication and what is the dosage?) The company will want to know if the medications are because of the surgery or because of another condition.
- Do you have regular check-ups and/or visits with your surgeon? Having regular visits and/or check-up with your surgeon is always recommended.
- Have you undergone any other testing, like x-rays? The agent will want to see results from all of these tests.
How and Where to Obtain the Best Quotes
Now that you know what the company is going to be looking for, now you need to know how to get coverage.
Here is the good news – it’s much easier than you would think. Actually, it could be as simple as a few mouse clicks or a short phone call.
How can it be that easy? You let us do it for you. Think of us as your personal insurance experts. You call us, we bring cheap rates to you.
Yes, you can do all of the comparing and quotes yourself, but why would you want to spend your time doing something we can do much quicker. You have two ways to do this, either call us on the phone us go ahead and answer those questions on the side of this page.
There are many reasons why people purchase life insurance. The money from an insurance policy can be used for the payment of final expenses, as well as to pay off a loved one’s medical bills or other debt obligations. Oftentimes, these funds can mean the difference between survivors being able to go on with their lives as planned, or struggling financially for many years to come in the future. If you’re interested in no medical exam life insurance or smokers term life insurance, we have options for you.
When one applies for insurance coverage, certainly one of the most important aspects that is reviewed by the underwriters is the applicant’s health. Oftentimes, if an individual has an adverse health issue such as heart disease or cancer that may shorten his or her life expectancy – and in turn, deem them a higher risk of a life insurance claim – there is a better chance that the individual will either be required to pay a higher cost of premium, or possibly even be denied for coverage altogether.
But, what about those who have other issues such as down syndrome? This is actually the most commonly occurring genetic condition today, occurring in one in every 691 babies that is born in the U.S., or approximately 6,000 U.S. babies each year. Many years ago, those who lived with down syndrome typically had a shorter life expectancy than most other individuals. However today, people with down syndrome’s life expectancy has increased substantially, with the average approaching that of those who do not have this condition.
Yet, many individuals who have down syndrome that apply for life insurance may still not qualify based on this older information. If you have a loved one who has down syndrome and have been told at some point in the past that they won’t be able to get life insurance, this is not true. Life insurance is now available to those who have down syndrome – and it is not difficult to qualify for coverage.
How Does Guaranteed Issue Life Insurance Work?
With a guaranteed issue life insurance policy, the applicant for coverage will typically only have a few questions to answer on the application related to their health. These will usually consist of the following:
- Are you currently confined to a hospital / hospice / long-term care facility?
- Have you been diagnosed with a terminal illness?
If the individual answers No to these questions, then it is likely that he or she will qualify for coverage. There are no medical or physical examinations that are required for these types of policies either – and because of that, the policies can be issued much quicker, as there is no need for long, drawn out underwriting delays. This means that the applicant can oftentimes have their coverage within just a few days after submitting their application to the insurance company.
Often, these policies are permanent life insurance plans. This means that in addition to offering a death benefit, the policy will also provide build up with cash value. This money is able to accumulate on a tax-deferred basis. Over time, because there is no tax that is due on the gain each year, the cash is able to grow exponentially – and it can build up substantially over time.
This cash is able to be borrowed or withdrawn for whatever need that the policy holder sees fit. This means that if he or she has a cash need in the future, they could consider using this money for that particular need.
Some Considerations With Guaranteed Issue Life Insurance
Although guaranteed issue life insurance for those with down syndrome is easier to qualify for than a traditionally underwritten type of coverage, there are some items to be aware of prior to purchasing a policy.
First of all, a lot of the time, these plans are underwritten on individuals who are considered to be more risky to the insurer, the premiums that are charged will usually be more expensive than those of a comparable life insurance plan that most of the time is underwritten.
Additionally, the death benefits on these policies may also pay out somewhat differently, too. For example, in some cases, if someone with insurance dies within two or three years of starting their policy, the policy beneficiary may only get a refund of the premiums that were paid in, instead of the death benefit that is stated on the policy. Therefore, it may be required that the policy be owned for a certain number of years in order for the full death benefit to be paid out.
Why Purchase Life Insurance on An Individual Who Has Down Syndrome?
There are numerous reasons to purchase life insurance on an individual who has down syndrome. Just like anyone else, medical expenses, final expenses, and other debts throughout life can tend to add up.
Today, the average cost of a funeral alone can be upwards of $10,000 – and many families just simply don’t have this amount of money readily available. Payment is oftentimes due at the time of service. Therefore, a life insurance policy would allow loved ones access to cash that is needed quickly for these expenses.
Likewise, should the individual become ill, medical expenses can also add up quickly. Sudden or unexpected illness or injury can happen to anyone at any time – and at any age. No one is immune. So, having life insurance proceeds can help to pay the costs that health insurance and/or government benefits may not cover.
How and Where to Look for Life Insurance for Someone with Down Syndrome
When seeking life insurance for a loved one who has Down Syndrome, it is a good idea to do business with a business that works with different life insurers. If you do this, you’ll be able to conduct a side by side comparison of multiple life insurance policies, along with the exact types – and amounts – of benefits that are offered, as well as the premium quotes.
When doing this, we want to help you. We work alongside many of the top insurance companies in the marketplace today, and we want to help point you in the right way to the carriers that may serve you best. We will help you obtain the key information that is necessary for purchasing this important financial protection in an efficient, timely fashion – and directly from your home desktop, without having to meet an agent in person. By using the form at the top of our page, we can help you get this process started.
If you discover that you might have any more questions during your process of obtaining appropriate life insurance for someone who has down syndrome, how to compare premium quotes, or general questions about life insurance, our professionals can walk you through the process and/or answer questions or concerns that you might be having. Please know that you can contact us at 888-229-7522, toll-free, at any time.
We know and understand that the purchase of life insurance is a big decision for you, and we want to help you know that you have all of the details that are necessary in order to make the best choice for your loved one. So, call us today. We are here to help you.