When applying for a life insurance policy, the insurance company will review many different factors prior to making a determination on your eligibility for coverage. These criteria will typically have to do with your age and your health – primarily because these have a great deal to do with your overall life expectancy. However, the insurance carrier will also factor in certain medications that you may be taking.
This is because various types of medication could cause certain side effects that could, in turn, be considered to make you a more risky candidate for life insurance coverage. If this is the case, your policy could end up costing more in premium for the insurer to compensate for this risk.
How Purchasing Life Insurance While Taking Clonidine Works
Clonidine is a type of prescription medication that is typically used in the treatment of high blood pressure (also referred to as hypertension). However, recently, this particular medication has also been found to be helpful for those who wish to quit smoking.
When applying for life insurance coverage, not all carriers will underwrite their applicants in the very same manner. What this means is that, even though most insurance companies will have a similar way of looking at applicants for coverage, what may deem a candidate as a Standard policyholder at one company may put him or her into a Substandard category at another – even with the same health, age, and medication qualifications. So, with this in mind, it can certainly pay to shop around for your life insurance coverage.
How Clonidine Works
Clonidine is not a new medication. In fact, it has been approved by the FDA (Food and Drug Administration) and used for many years. This particular medication was initially used in the treatment of high blood pressure. However, when Clonidine is used for the cessation of smoking, it may either be given in the form of a pill and taken two times per day. Or, it can be given as a once-per-week patch.
One study of heavy smokers who had failed to quit smoking in previous attempts were twice as likely to achieve success as the control group when they (the heavy smoker group) used Clonidine for four weeks.
There are some important factors to keep in mind if planning to use Clonidine to quit smoking, though. First, it is essential to notify your doctor and your pharmacist – as well as any other related medical professionals that you work with – of exactly what other medications that you are taking prior to beginning any dosage of Clonidine.
It is also important to have a good understanding of any and all possible side effects of this drug. These can include the following:
- Dry mouth
- Unusual tiredness or weakness
There could also be certain, more rare side effects, such as a slow heart rate, allergic reactions, and / or either high or very low blood pressure. For this reason, your doctor may wish to monitor your blood pressure while you are taking Clonidine to ensure that it does not rise too high or drop too low to be considered safe. Because of the potential side effects of Clonidine, it may also affect you ability to operate or drive machinery.
When planning your start time for taking this drug, it can be started up to three days prior to when you plan to quit smoking. However, it can also be started on the day that you quit. It is important to note, however, that if you plan to stop taking Clonidine, you should not simply cease taking it immediately. Rather, the dosage should instead be lowered over a period of two to four days in order to prevent a rapid increase in your blood pressure, as well as to help in preventing tremors, confusion, and / or agitation.
In addition to Clonidine, there are other medications that are currently being studied for the cessation of smoking. The effects and the success rate of many of these medications, however, are not yet known.
How can it Affect Your Life Insurance Premium Rates?
The good news is that if you are taking Clonidine to help you quit smoking, it will not likely have an effect on the premium rates that you pay for life insurance. In fact, all other factors being equal, if you have an excellent health history and are currently in excellent health, you could even qualify for the top smokers life insurance rates. One of the primary determining factors will be the length of time you have been taking the medication – and, if you do happen to be taking Clonidine for your blood pressure, it will also factor in how well it is working in controlling that.
The premium rate that you will pay for your life insurance coverage will be determined by other criteria as well, such as your:
- Height and weight (your weight as it relates to your height)
- Occupation and income
- Marital status
- Hobbies (i.e., whether you participate in any dangerous or risky hobbies such as sky diving, scuba diving or rock climbing)
- Foreign travel habits (if applicable)
- Family health history
Also, it is likely that you will be required to submit to a paramedical examination. Here, you will need to provide a blood and urine sample. These samples will be tested for various potential risk factors that could be cause for claim.
Once all of your information has been received at the insurance company, the underwriters will review it and can then make a more informed overall decision regarding your life insurance coverage.
If you are in excellent health with an excellent health history and excellent family health history, then you could be rated as a Preferred. A Preferred policyholder will often be charged less in premium than the average, or standard, policyholder of the same age and health.
If your health is considered to be average for your age, gender, and height/weight category, then it is probable that you will be placed into the Standard policyholder category. Here, you will typically be charged average premium rates.
If, however, you have certain health conditions that do not deem you risky enough to decline you from coverage altogether, then the underwriters may offer you coverage as a Substandard policyholder. In this category, you will still have life insurance coverage. However, you will typically be charged a higher amount of premium rate.
How and Where to Obtain Premium Quotes for Life Insurance While Taking Clonidine
If you are currently taking Clonidine and you are seeking the best life insurance premium quotes, it is oftentimes best to work with either a company or an agency that has access to more than just one life insurance carrier. This way, you will be able to compare and contrast the information such as policies, benefits, features, and premium prices from the top life insurance companies more objectively and all in one place.
When doing that, we can help you. We work with a number of the top life insurance carriers in the marketplace today, and we can assist you in getting all of the pertinent details that you require for making a much more informed life insurance buying decision. This can be especially important when taking certain medications such as Clonidine. We can help you to obtain this information very quickly and conveniently – all from your home computer – and without needing to meet in person with a life insurance agent, or even without leaving your home. When you’re ready to begin the process fill in the form on this page.
Should you find that you have any questions along the way about obtaining life insurance while taking Clonidine – or even if you have any questions or concerns about how to go about obtaining life insurance at all – please feel free to contact us to chat. Our experts are here and can assist you with determining the important concerns that you may have such as:
- What type of coverage is right for me – term or permanent?
- How much coverage should I purchase so that my loved ones can go on without any financial hardship in the future?
- Which carrier will serve my needs the best and offer the most affordable policy premium?
- Does taking Clonidine make a difference in the life insurance policy qualification process?
We can be reached directly via phone, toll-free, by calling 888-229-7522.
The purchase of life insurance can sometimes seem to be overwhelming. There are many details to sort out – and you want to ensure that you’re making the right choice. We can get you the answers that you’re looking for. So, contact us today – we are here to help.