Qualifying for Life Insurance While Taking Caduet.
When working with folks who have been prescribed Caduet, the first few questions that we typically thing of are
- When were your first prescribed Caudet?
- Have you ever been diagnosed with heart disease or suffered from a heart attack or stroke?
- Have you been diagnosed with diabetes?
- Has Caduet worked to decrease your blood pressured?
Caudet is commonly prescribed medication in a group of drugs classified as calcium channel blockers that are used to treat high blood pressure (hypertension), chest pain (angina) and to lower the risk of stroke, heart attack and other heart related conditions found in people with type 2 diabetes.
Now as you can see…
Caduet is prescribed to treat a wide variety of medical conditions. Some conditions such as hypertension, which if treated and controlled properly, shouldn’t play much of a role, if any, in your application results. However, other conditions such as heart disease or stroke could mean that your application may be denied.
So with that said, let’s just revist the 4 questions above and discuss why the answers to those questions will be so important in your application process.
When were you first prescribed Caduet?
Knowing when you were first prescribed Caduet will give the insurance companies an idea about how long you have been using the medication to control whatever underlying caused required its prescription. In general, insurance companies will like to see treatment in place for 6 months or more prior to making and decisions about its efficacy.
Have you ever been diagnosed with heart disease or suffered from a heart attack or stroke?
Now since Caduet is used to treat a wide variety of conditions, knowing why you were prescribed Caduet will greatly influence the outcome of your application as well which insurance company might be best for you. For additional information regarding insuring conditions like heart attack and stroke we would encourage you to visit the following articles as well as give us a call directly so that we can learn more about your specific situation.
Have you been diagnosed with diabetes?
Now if your using Caduet and have diabetes, there will be a list of set questions you should be prepared to answer when it comes time to applying for life insurance. These questions will include:
- At what age where you diagnosed with diabetes?
- What medications are you taking to treat your diabetes?
- Do you check your blood sugar on a daily basis?
- What was the value of your latest A1C, and how long ago was that test performed?
- How frequently do you see your primary care physician?
- In the past 12 months have you used any tobacco or nicotine products?
Has Caduet worked to decrease your blood pressured?
Now this last question is a pretty straight forward one in that all its really asking is, “How is your blood pressure today?” Is your Caduet prescription doing what its intended to do?
Now it should be pretty obvious why the insurance companies are going to want to know the answers to these types of questions, it’s because they’re trying to determine if you’re a “good risk” for life insurance. We however use the answer to these questions a bit differently.
We here at TermLife2Go operate as an independent life insurance brokerage able to work with dozens of highly rated life insurance companies.
When it comes time to find coverage for someone that is using the prescription medication Caduet, being able to pick and choose between dozens of different life insurance carriers is going to make all the difference in the world when it comes to finding you that perfect fit!
So what are you waiting for? Give us a call today and see what we can do for you!
Lastly, we would encourage you to visit our Life Insurance Quotes page where you’ll be able to instantly compare life insurance quotes from companies that will require a medical exam vs companies that won’t require a medical simultaneously!
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.