You may also want to read our article TermLife2Go’s Top 10 Best Life Insurance Carriers, TermLife2Go’s Top 10 No Exam Life Insurance Carriers! as well as Tips On How to Qualify for Great Life Insurance Quotes.
Chances are if you’re reading this article, you’ve just started the process of shopping for a traditional term or whole life insurance policy and are beginning to wonder if any of the prescription medications that your taking will affect your life insurance application?
If so, you’ve come to the right place, because we here at TermLife2Go are very familiar with helping folks find great life insurance coverage despite any pre-existing conditions that they may or may not have. Now when it comes to helping out folks who have been prescribed Aciphex, the real challenge isn’t in finding an insurance company that will insure you, the true challenge is finding the “best” life insurance company to insure you!
Aciphex, can be used to treat a wide range of conditions from heartburn, stomach ulcers, gastroesophageal reflux disease (GERD), esophagus damage and many different conditions that cause your stomach to make too much stomach acid such as Zollinger-Ellison syndrome. Aciphex, may also be used in combination with antibiotics to treat H pylori stomach infections and ulcers.
So which is it?
Do you have heartburn? Or have you been prescribed Aciphex to treat something more serious like severe esophageal damage?
Insurance underwriters are going to what to know why you’ve been prescribed Aciphex?
Was it to treat mild cause of over production of stomach acid that simply causes some discomfort? Or is it to prevent what could lead to (if untreated) severe errosing to the lining of the esophagus, and conditions known as erosive esophagitis?
For this reason, a careful examination of each individual’s health history is needed to be made before simply submitting one’s application, in addition to having access to dozens of highly rated life insurance companies to choose from so that you’ll have the opportunity to “shop” offers when the time comes!
At this important to note that not all carriers look at clients who take Aciphex while applying for life insurance the same. Generally, insurance carriers will consider individuals taking Aciphex a “preferred plus” candidate. However, there are some that may only rate these clients as high as “preferred” or “standard plus” at best.
To even confuse matters more, some carriers “preferred plus” rates are more expensive than other carriers “preferred” rates. It really does depend on the particular situation.
Don’t be, this is where TermLife2Go steps in. We have the experience and expertise to help guide you thought the entire application process. By working with TermLife2Go, you’ll be assigned your own individual life insurance agent that will be readily available to you throughout the entire process should you have any questions what so ever.
In addition, since in most clients who have been prescribed Aciphex will generally be eligible for some of the best life insurance rates out there, they’ll also typically be available to many of the great “No medical exam” life insurance options that are now becoming very popular in the industry.
Which means that you could potentially qualify for a great “No medical Exam” term life insurance policy that:
- Won’t require a medical exam.
- Won’t require and urine specimen and blood draw.
- And won’t require you to wait around for 3 to 8 weeks for an approval.
Additional benefits of choosing to go with a no medical exam option would also include avoiding getting diagnosed with any other medical conditions that could also affect your life insurance application. Conditions such as:
- High blood pressure.
- High cholesterol.
- Elevated blood sugar.
- Etc, etc…
So what are you waiting for? Just give us a call and see just what we can do for you!
You may also be interested in taking a look at our Life Insurance Quotes page where you can compare life insurance quote from companies that will require a medical exam vs companies that won’t require a medical exam side by side!
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.