Levothyroxine is a prescription medication that is applied during the treatment of individuals who have been diagnosed with hypothyroidism.
The drug is supposed to be a replacement for a hormone that is usually generated by the human thyroid gland that is responsible for the regulation of the body’s metabolism and energy.
Individuals are given Levothyroxine when their thyroid is not considered to be providing sufficient amounts of this hormone on its own.
Affect on Life Insurance Application: Little to no effect.
Best Possible Coverage Outcome: Standard or Preferred, based on the applicant’s overall health status.
Worst Possible Coverage Outcome: Not applicable, as the drug Levothyroxine has little to no effect on an applicant’s outcome for life insurance coverage.
Primary Determining Factor: In reviewing an applicant for life insurance coverage, there are numerous different criteria that are taken into consideration. When an applicant for coverage is taking the medication Levothyroxine, this drug will not likely be a primary determining factor in the underwriters’ ultimate decision, but their hypothyroidism can be a contributing factor to their rates.
What will, however, be included is whether the individual is applying for a fully underwritten term or whole life insurance plan that demands a medical examination, or alternatively if the applicant is applying for a simplified issue plan that does not have the requirement of a medical exam.
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When life insurance companies promote their policies, they will oftentimes advertise premium rates for individuals who happen to be in excellent health. This happens because those applicants will most of the time be able to obtain the lowest cost coverage.
But what if you have a pre-existing condition or you take a prescription medication that deems you as ineligible for the best premium rates? The great thing is that you will still be able to obtain coverage – and in numerous instances, you may still have the chance to get this protection at a very affordable premium cost.
Life Insurance Coverage for Those Who Take Levothyroxine
Just like so many other industries, the life insurance business is always looking for ways to find customers. In doing so, insurance carriers will oftentimes focus on certain niches so as to make their products stand out.
For this reason, it could be to your advantage not to work with any one single insurer when applying for coverage. In this case, you can still compare many various policies – in addition to premium quotes – in the plan to decide which will definitely be the greatest for you.
For example, let us get a look at someone who is appealing for life insurance and who currently takes the drug Levothyroxine. This medication is commonly used for the treatment, as well as for the prevention of developing goiters. Levothyroxine will work to replace the hormones that are typically produced by the thyroid gland in regulating both energy and metabolism in the body.
Insurance companies will not typically raise an applicant’s premium rate if he or she is taking the drug Levothyroxine. In fact, in most cases, taking this medication will not play any type of factor at all. Therefore, if an applicant is otherwise in excellent health, they will generally have the ability to secure a Standard – or perhaps even a Preferred – rating on their life insurance coverage.
If the individual is able to secure a policy without having to take a medical examination, then they may be able to obtain their life insurance coverage within 24 hours of applying. In this particular case, no medical exam can also mean the avoidance of underwriters finding any type of elevated blood sugar, blood pressure, and / or cholesterol.
How and Where to Obtain Life Insurance
Purchasing life insurance while you are taking Levothyroxine doesn’t have to be stressful. In fact, in most all cases, applicants who take this particular medication will have no effect at all on their life insurance coverage rating or on their premium amount.
We can help you to obtain the life insurance protection that you need quickly and easily, and we can also help you with the many areas of the life insurance buying process, including:
- Choosing the right type of life insurance coverage, such as term life, whole life, or universal life insurance
- Discovering how much insurance coverage that you want in order to grant protection to your family and loved ones
- Attaining a life insurance carrier who will give you the very best premium rate for your budget
Our company works with the best in the business when it comes to life insurance firms. All you have to do to get the process started is fill out and submit the application on our page. It’s that simple. Whenever you are ready to move forward with this step, it only takes a few minutes. If you have any concerns or questions during the whole process, feel the freedom to get in touch with us and our experts. You can call us at 888-229-7522. Our number is toll-free, and we can answer any of your needs and are ready to help you. Get life insurance today – don’t wait another moment.