Whenever we get a quote request or a call in from a client who is taking Budeprion XL or SR, we immediate being to wonder about the severity of the depression that they’re suffering from.
Budeprion XL and SR.
From a practical purpose, when comes to understanding how Budeprion will effect a life insurance application, the type Budeprion being used, XL or SR, really isn’t going to make a difference. This is because both Budeprion XL and SR are both used to treat major depressive disorder and seasonal affective disorder.
Now since each of these two conditions can play a major role in determining the outcome of your life insurance application it only makes sense to briefly take a look at them here below.
Major Depressive Disorder Defined (MDD):
Major depressive disorder (MDD) is defined as a mental disorder characterized by a pervasive and persistent low mood that is typically accompanied by low self-esteem and by the loss of interest or pleasure in what are normally considered enjoyable activities.
Seasonal Affective Disorder Defined (SAD):
Seasonal affective disorder (SAD) is also known as winter depression, winter blues, summer depression, summertime sadness, or seasonal depression. Seasonal affective disorder is defined as a mood disorder subset in which people will have normal mental health throughout most of the year yet experience depressive symptoms during the winter or summer.
Determining Severity of Your Condition:
Now when it comes time to determine the severity of your condition, insurance companies are going to basically use 3 different sources of information.
- A prescription drug database check.
- Medical records from you doctors.
- And answers to questions found on a typical life insurance application.
Prescription Database Check.
Standard procedure for any fully underwritten term or whole life insurance policy will include the “ordering” of a prescription database check. In this report, the insurance company will be provided a complete list of all prescription medications that you have ever been prescribed.
By receiving this report, insurance companies will be able to conclude:
- Relative date of diagnosis.
- Stability of treatment (stable medications being used or several different therapies being explored).
- And possible existence of other pre-existing conditions.
Medical Records Ordered.
In addition to ordering a prescription database check, insurance companies may also decide to order medical records from you doctors as to better understand you condition.
It should be noted that simply having medical records ordered is not necessarily a “bad omen” during the applicant process. In fact, many times, having access to your medical records will often be able to better demonstrate your “good health” as noted by your doctors!
Questions Found on a Life Insurance Application.
Lastly, insurance companies are going to ask a serious of specific questions designed to learn more about your condition and how it plays a role in your day to day life.
These questions will generally sound something like this:
- When where you first diagnosed with your depression?
- What medications and treatments are you receiving?
- Who prescribed your treatment? Your primary care doctor or a psychiatrist?
- How is your treatment going?
- In the past 12 months have any of your medications used to treat your depression changed?
- Have you ever been hospitalized for your condition?
- Are you currently working?
- In the past 12 months have you applied for or received any form of disability benefits?
Now these are just some of the most typically questions you’ll see. These are also the questions that we’ll use here at TermLIfe2Go to try to determine which life insurance company will most likely be the best fit for you.
We here at TermLife2Go operate as an independent life insurance brokerage that has the freedom to work with dozens of different life insurance companies so that we have a better opportunity to help find you the coverage you want and deserve!
So what are you waiting for? Give us a call today and see what we can do for you!