Now according the CDC, nearly 70 million adult Americans or nearly 29% of all adult Americans suffer from high blood pressure. Put another way, nearly 1 out of every 3 adult Americans are walking around have or should be diagnosed with high blood pressure.
The really scary part is that only about 52% of these same people have their blood pressure under control!
This is why when we get a call here at TermLife2Go from a client who is currently using Norvasc to treat their blood pressure, in a way, we’re relieved.
You see, in cases like these where we know that the individual already knows that he or she has high blood pressure, there’s generally a much better chance that:
- These folks will have their blood pressure under control.
- That they frequently see their doctor which means that they’ll have a better understanding of their true health.
- And we’re much less likely to uncover any type of undiagnosed medical condition during the life insurance application process.
Now compare this with the folks who will call in saying that they’re in prefect health, despite the fact that they haven’t actually had a physical in the past 10 years, and as a life insurance agent you’ll immediately begin to worry about whether or not they are that 1 in 3 that simply don’t know that they have high blood pressure!
Norvasc (amlodipine) is a prescription medication that belongs to a group of drugs called calcium channel blockers that are used to treat high blood pressure (hypertension) or chest pain (angina) and other conditions caused by coronary artery disease. Norvasc works by relaxing (widening) the blood vessels and improves blood flow.
Now the good news is that…
If you’re simply using your Norvasc to treat “normal” hypertension and or angina, what you’ll generally find is that you’re still going to be eligible for some of the best life insurance rates available, a Preferred or Preferred Plus.
With these types of applicants, we’ll often recommend taking a look at some of the new innovative, no medical exam life insurance policy (vs a traditional term life insurance policy or a whole life insurance policy) particularly if they don’t have any existing coverage in place right now (approval times for no medical exam options are typically less than 24 hours).
For those with pre-existing medical conditions…
Now for those clients that are using their Norvasc to lower their blood pressure rates and have a history of heart disease, insurance companies are going to want to learn more about your pre-existing heart condition prior to being able to make any type of definitive decision regarding your application.
Common questions you’ll likely be asked if you have a pre-existing heart condition will include:
- What is your current height and weight?
- In the past 12 months have you used any tobacco or nicotine products?
- What type of medical condition have you been diagnosed with?
- Who prescribed your Norvasc, a primary care physician or a cardiologist?
- Have you had an EKG in the past 12 months and if so how did it look?
- Have you had a cardiac stress test performed and if so, how did you do?
From there, the insurance companies will begin to get a better idea about what types of life insurance policies you may or may not be eligible for as well as determine if they will need to order medical records before being able to make a decision.
The good news is…
That we here at TermLife2Go have both the experience and expertise to help you regardless of how “easy” or “difficult” you case may be. Additionally, because we work with so many different life insurance companies, when it comes time to determining which life insurance company is going to be best for you, we’re sure to have dozens of options!
So what are you waiting for? Give us and see what we can do for you!
Lastly, for those who would like to get an idea about how much their life insurance might cost before speaking with an agent, we would recommend that they check out our Whole Life Insurance Quotes page when you have a few moments to spare.
And since we still have your attention…
It’s fair to say that most people who decide to purchase a life insurance policy do so that they can protect their loved one’s financial future in the event of their death.
But what happens if you get sick but don’t die?
Is your family’s financial future still protected? Probably not. Which is why we would encourage you to also take a look at the following articles which will discuss some other “types” of life insurance policies that can not only protect your family’s financial future, they could also significantly help our your own as well.