Buying Life Insurance While Taking Ceron-DM.
Usually when we get a client that’s asking if their Ceron-DM prescription is going to affect their life insurance application, it’s usually because their allergies are currently driving them insane! And now they’re worried that it might have some damaging effect on their life insurance application.
After all, if you’re allergies are making your feel miserable couldn’t it conceivably affect your medical exam?
Well theoretically, if you’re up all night tossing and turning and get zero sleep the night before your exam, you might not be in “tip top” shape.
But the truth is, it’s probably not going to really affect your overall performance on your life insurance application medical exam.
But if you’re really worried about it, you could….
Always avoid taking the risk by simply choosing to apply for a life insurance policy that won’t require a medical exam!
More on that later…
But let’s first take a look at what Ceron-DM is and discuss why insurance companies aren’t going to really factor its use into any decision making process.
Ceron-DM (chlorpheniramine, dextromethorphan and phenylephrine) is a prescription medicine used to treat cough, runny or stuffy nose, sneezing, itching and watery eyes, the common cold and/or the flu.
Ceron-DM is not used to treat a cough that is caused by smoking, asthma, or emphysema.
So in other words, Ceron-DM is not used to try to treat any life threatening conditions.
So if insurance companies aren’t going to care if I’m taking Ceron-DM, what will they care about?
Regardless of which life insurance company that you choose, you’re generally going to find that the questions for a fully underwritten term or whole life insurance policy are going to be pretty similar.
Typical questions one should expect to see would include:
- Height and weight?
- Do you have any pre-existing conditions?
- Have you ever been diagnosed with cancer, heart disease, stroke, or diabetes?
- Has any of your immediate family members (mother, father, brother, sister) ever been diagnosed with cancer, heart disease, stroke or diabetes?
- Are you currently taking any prescription medications?
- In the past 12 months have you used any tobacco or nicotine products?
- In the past 3 years do you have any issues with your driving record such as multiple speeding tickets, accidents or DUI?
- Within the past 12 months have you used marijuana?
- Have you ever declared bankruptcy?
- Have you ever been convicted of a felony or misdemeanor?
- In the next 2 years do you have any current plans to travel outside of the United States?
- In the next 2 years do you anticipate participating in any dangerous hobbies or activities such as rock climbing, sky diving or bungie jumping?
- Etc, etc.
At this point, having had you answer these questions, your agent should have a pretty good idea what insurance rate class you’ll most likely qualify for as well as which life insurance company will most likely be best for you.
Options, Options, and More Options…
Now since most on-line insurance brokerages are going to work hard to establish relationships with the top 10 life insurance companies out there, we here at TermLife2Go make a special effort to not only work with those 10 or so companies, we also look for those companies that are not only highly rated and well know, but are also leading the way when it comes to the future of life insurance.
The new trend…
As big data becomes more and more available, insurance companies are slowly recognizing that there isn’t always a need to require an applicant to take a medical exam in order to determine if that applicant would be a “good risk”.
Which is why a growing number of insurance companies are beginning to offer “No Medical Exam” term and whole life insurance options.
That instead of having to take a medical exam and wait 2-6 weeks for an approval, you could be approved in as little as 20 minutes from a nationally recognized and highly rated life insurance company today!
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!