You may also want to read our article TermLife2Go’s Top 10 Ranked Life Insurance Companies, Life Insurance with No Exam Required! as well as Finding the best Life Insurance Quotes.
Getting life insurance while taking Aldara really isn’t going to be any different than getting life insurance while not taking Aldara.
You see because Aldara is generally prescribed to treat actinic keratosis which isn’t a life threatening condition. Basically, life insurance companies aren’t even going to take note of your prescription when it comes time to reviewing your application.
Factors that will come into play on your life insurance application will be:
- Your current height and weight.
- Any other serious pre-existing conditions such as:
- Cancer, heart disease, stroke, diabetes, anxiety disorders, depression, autoimmune disorders, etc, etc…
- Family medical history.
- Any tobacco or nicotine usage.
- Prescription or recreational marijuana use.
- Driving record (multiple speeding tickets, accidents or DUI’s)
- Previous or current bankruptcies.
- Criminal record.
- Exotic travel destinations.
- Extreme sport enthusiast (sky diving, bungie jumping etc.)
- Previous drug or alcohol dependency.
- Etc, etc…
As you can see, a lot is going to go into determining first, if you can qualify for a life insurance policy and second, what rate class the insurance company is going place you in.
Which brings us to an important point…
Let’s just assume that you’re in:
- Great health,
- You have excellent credit,
- Everyone in your family lives to be 103 years old.
- You’ve never been in trouble with the law, in fact you’ve never even received a parking ticket!
- You don’t drink, and you can’t stand smoke.
- And you’re afraid of heights so there will be NO bungie jumping or sky diving in your future.
Basically, you’re the PERFECT LIFE INSURANCE APPLICANT.
We’ll good deal….
In that case you’re probably going to want to focus on three things:
- Which life insurance company is going to offer me the best price for my insurance?
- Which life insurance company is going to offer the best policy riders?
- Guaranteed renewable to age 95.
- Accelerated death benefit.
- Conversion options from term to whole life.
- Etc, etc..
- And are there any “No Medical Exam” term or whole life insurance options available?
Now when it comes to comparing price, heck, that’s easy!
We have a quoter on the side of this page that will do that for you all day long.
The difficult part in comparing the individual life insurance policies, will be understanding what makes one 20 year term life insurance policy different from another 20 year term life insurance policy?
And unfortunately, the answer to that question, exceeds the limits to this conversation here simply because it’s an impossible topic to discuss unless we know which two 20 year term life insurance policies you’re looking at!
For this reason, you’re going to be better off just giving us a call so that we can walk you through that part of your application process.
The No Medical Exam Option.
As we’ve stated before, comparing one life insurance policy vs another is an impossible task without knowing which two life insurance policies we’re considering.
But we can compare a No Medical Exam life insurance policy vs a Fully underwritten (medical exam required) life insurance policy.
And at this point we would like “Call Out” our “Super Healthy” readers at this point.
Each and every day here at TermLife2Go, we’ll hear from a client who is positive that they are in great health and that they have nothing to worry about when it comes to taking a life insurance medical exam. Then sure enough, 3 weeks later, we’ll come to learn that our “Super Health” applicant, actually has:
- High blood pressure.
- High cholesterol.
- Elevated blood sugar (congratulations, the insurance companies now what to consider you a diabetic!)
- Etc, etc…
These “Newly discovered” conditions then bring us to one of three possible outcomes:
- The cost of the insurance is going to increase.
- The application will be postponed until the client visits their primary care physician and either begin receiving treatment for their condition, or re-test at an “insurable” level.
- Or they may simply be denied all together and be told that they will need to wait 6 to 12 months before applying again!
No Medical Exam No Cry….
Now had they simply applied with a No Medical Exam option, none of this would have every been discovered, and they would have been insured within 24-48 hours!
Don’t be, just give us a call and we’ll walk you through it. Our goal here is to help you find the best possible life insurance policy out there and make sure that you and your family are protected as soon as possible.
Lastly 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!