You may also want to read our article Our Top 10 Life Insurance Companies, Top 10 No Medical Exam Policies as well as Tips On Qualifying for Great Life Insurance Quotes.
Wouldn’t it be nice if instead of having to listen to life insurance commercials all day that only focus on the “Super” health? Would it be helpful to hear one now and then that actually talks about what it takes to get insured if you not “PREFECT”!
Well the good news is that you’ve found us and you’ve found our article on how to get life insurance if you’re currently taking Actonel. So with that said, lets first take a look at what Actonel is used treat for.
Prescribed uses for Actonel (Risedronate):
Actonel (Risedronate) is used to treat or prevent osteoporosis and treat Paget’s disease. It works by altering the cycle of bone formation and breakdown in the body, thus reducing bone decay and thereby increasing overall bone strength.
Now while neither osteoporosis or Paget’s disease are necessarily considered terminal or life threatening, they will certainly play a role in what rate class you’ll qualify for on your life insurance and also could result you actually being denied life insurance.
For this reason, your agent should be familiar with both conditions, and understand what it is that the insurance companies are going to be looking for when deciding whether or not they should extend an offer of coverage for a traditional term or whole life insurance insurance policy.
Common questions that will arise during the application process will include:
- When were you first diagnosed with Osteoporosis or Paget’s disease?
- How long have you been taking Actonel (Risedronate)?
- Are you currently working?
- Are you receiving disability benefits?
- If you are currently working now, did your condition force you to stop working?
- What is the progression of your condition? (stable vs worsening).
Questions like these in addition to traditional underwriting questions like:
- Date of birth.
- Height and weight.
- Any tobacco use.
- Etc, etc,…
Will all play a role in whether or not you’ll be approved for life insurance and at what rate.
Mild Osteoporosis vs Paget’s disease.
As you can see, Actonel is prescribed for a wide range of conditions and symptoms, which is why, a careful examination of each individual’s health history is needed to be made before simply submitting ones application. This needs to be done because not all carriers will look at clients who are looking for life insurance while taking Actonel the same.
If Actonel is used as a preventive precaution against osteoporosis, most carriers will not consider it a risk. However is used to treat for more advanced stages of osteoporosis and or Paget’s disease certain carriers may view this applicant differently.
Totally confused?…. Don’t be, this is where TermLife2Go steps in, as an independent agency our agents are committed only to you and your family. Our sole purpose here is to help guide you through the process of first, choosing the right type of policy (whether it be Term, Whole Life, and Universal Life etc..), and then second, help you determine the appropriate amount of life insurance coverage.
So what are you waiting for?
By working with TermLife2Go you’ll be assigned an individual agent that will help walk you through the entire application process from start to finish. You’ll also be privy to all the rates that we have access to so not only will you have an expert at hand helping to explain the difference between the various policies available to you, you’ll also be able to:
“See the RATES for yourself!”
So that you won’t just have to hope that you’re getting a great deal. Our services are free, the application is free, and once you’ve been approved and have decided to take your policy, all payments will be made directly to the carrier you’ve selected.
Just give us a call and see just 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 Term 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.