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 overall 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.