In our experiences here at TermLife2Go, it’s often easier to find great life insurance coverage for folks that have already been prescribed Altace for the simple reason, that these individuals have already discovered that they have elevated blood pressure, and they’re taking a highly effective medication designed to lower it.
That being said however:
Altace is used to treat for a variety of conditions. Conditions that range from those simply using Altace to lower their high blood pressure (hypertension) all the way to those managing their diagnosed congestive heart failure. Altace has also been shown to improve the survival rate for those who have suffered from a heart attack.
So… Whacha Got!
One of first things we’re going to need to determine is, “Why were you prescribed Altace?”
If you were prescribed Altace to simply lower your blood pressure levels and you have no evidence of congestive heart failure or of having suffered from a previous heart attack, you should still be eligible for some of the best possible rate class out there when applying for either a term life insurance or a whole life insurance policy.
Conversely, if you have a history of congestive heart failure or have suffered from a heart attack(s) in the past, things are going to start getting complicated pretty fast!
Heart Attack Applicants.
When it comes to trying to get folks who have suffered from a heart attack insured, the general rule of thumb is that its better if you didn’t suffer the heart attack when you were really young and, you don’t want to try to apply for life insurance immediately after you suffered a heart attack.
A successful “heart attack” applicant should:
- Currently be in good health.
- Healthy height and weight ratio.
- No other serious pre-existing medical conditions.
- No drug or alcohol dependency issues.
- Frequently visit their cardiologist.
- Perform well on “stress tests” administered by their doctor.
- Perform well on an EKG exam.
- And not currently receiving any type of disability benefits.
Additionally, “heart attack” applicants should be tobacco and nicotine free.
Congestive Heart Failure Applicants:
For those that have been diagnosed with congestive heart failure, there really isn’t much one can do with regards to applying for a fully underwritten term or whole life insurance policy. For these folks, assuming that they are over the age of 45, we’ll typically recommend a “guaranteed issue” life insurance policy that won’t require a medical exam or ask any health related questions.
These types of policies are limited to approximately $25,000 in coverage but do provide an excellent alternative to those who can’t qualify for a traditional term or whole life insurance policy.
The Important Take Away…
The important take away here when looking at whether or not your Altace prescription is going to affect your life insurance application is that it depends.
If you’re just using Altace to lower you blood pressure, you should be fine.
However, if you Altace prescription is being used to manage a more serious medical condition, you’re definitely going to want to work with an agent and agency that isn’t afraid to take on a challenge!
We here at TermLife2Go love a good challenge when it comes to finding a “high risk” applicant a great life insurance policy. This is why we’ve always maintained our independence from any one life insurance company so that we’re free to pick and choose from dozens of highly rated life insurance companies in an effort to find even the most difficult case the coverage that they deserve!
So what are you waiting for? Just give us a call and see just what we can do for you!
Lastly, because well controlled diabetes can possibly qualify for a traditional term or whole life insurance policy without having to take a medical exam, we would encourage you to take a look at our Life Insurance Quotes page that allows you to compare prices of policies that will require you to take a medical exam vs those that won’t.