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?
In most cases, life insurance applicants who apply for coverage and who are taking Lisinopril will need to undergo a medical examination. This is especially the case if the amount of coverage that you are seeking is in the higher face amount range.
This exam will typically take about 30 minutes to complete and will be performed in your home or other convenient location. A paramedical professional will take a heart rate and a blood pressure reading from you. They will also obtain a blood and a urine sample.
The underwriters at the life insurance carrier may also wish to review your health records that are on file with your primary care physician, and / or from any medical specialist that you may see.
Once all of your information has been obtained, the life insurance carrier will be better able to make a determination regarding your policy, as well as an appropriate amount of premium to be charged.
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.
If a person is not able to qualify for a medically underwritten policy while taking Lisinopril, then it may still be possible to obtain life insurance by applying for a no medical exam life insurance plan.
With this type of coverage, there is no medical examination required – therefore, those who have certain health issues are more likely to be qualified. While the premium charged for these policies is more expensive, it may be an opportunity to obtain the life insurance protection that you require.
How and Where to Get Quotes for Life Insurance While Taking Lisinopril
When seeking life insurance while taking Lisinopril, it is typically best to work with an agency that has access to more than just one insurance carrier so that you can compare many different options.
If you are ready to move forward, we can help. We work with many of the top insurers and can point you in the right direction. To get started, all you need to do is use the form on this page to get your first set of quotes.
Should you have any additional questions, please feel free to contact us directly. We can be reached via phone, toll-free, by calling 888-229-7522. We understand that you may be apprehensive about applying for coverage when taking Lisinopril – or any type of medication. But the good news is that you still have many options. So, contact us today – we’re here to help.