Great Life Insurance Rates While Taking Ambien (zolpidem) and Ambien CR.

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You may also want to read our article Best Rated Life Insurance Companies and Best No Exam Life Insurance Companies.

In general, having a prescription for Ambien and Ambien CR shouldn’t play a significant role in your life insurance applicant.

This is mainly due to the fact that the underlying cause for being prescribed Ambien, is insomnia, which clearly isn’t a life threatening disorder.

That being said however, insurance underwriters will be interested in how long you’ve been using Ambien and whether or not you use Ambien on a daily basis.  For this reason, let’s just briefly take a look at Ambien itself.


Ambien (zolpidem) is considered a short-acting, non-benzodiazepine hypnotic drug which is used to initiate and maintain sleep.  Potential side effect include: next day drowsiness, fatigue, dizziness, nausea and vomiting, delusions and/or hallucinations, sleepwalking, and even potential short-term memory loss.

Ambien can also lead to a number of more serious side effects such as physical dependence, risk of overdose (particularly when combined with alcohol) and risk of addition.  For this reason, Ambien should never be used without the consultation of your primary care physician.

These more serious side effects are also what the insurance companies will be concerned about when deciding whether or not they should extend of offer of coverage for either a term life insurance policy or a whole life insurance policy.  Which is why they’re going to ask you about:

  • How long you’ve been using Ambien?
  • And how frequently you use Ambien?

Typical Underwriting Practices:

In general, regardless of whether or not you use Ambien, signs of alcohol or drug abuse is always going to be something that an insurance underwriter looks for.  So if your currently using Ambien, don’t worry that this is somehow going to put you on some type of “watch list” because it’s not.

Side note:

If you are in fact abusing Ambien, you should definitely seek out immediate help to deal with your current substance abuse problems.

Now back to referring to our average and typical Ambien user, your prescription will simple just be one more thing on a long list of “topics” that an insurance underwriter will look at.

Which is why we should probably list just a few of the questions that a life insurance application will contain so that you can get an idea of just how extensive some of the questions may be.

Typical Life Insurance Application Questions.

  1. Age.
  2. Height and weight.
  3. Do you have any pre-existing medical conditions such as cancer, heart disease, stroke, or diabetes?
  4. Has any member of your immediate family (mother, father, brother, sister) ever been diagnosed with cancer, heart disease, stroke or diabetes?
  5. Are you taking any other prescription medications other than Ambien?
  6. Do you use and nicotine or tobacco products?
  7. Do you have any issues with your driving record such as a DUI, multiple moving violations or accidents in the past 3 years?
  8. Are you currently working now?
  9. In the past 12 months have you applied for or received any form of disability benefits?
  10. Do you have any plans to travel outside of the United States in the next 12 months?
  11. Have you ever declared bankruptcy?
  12. Do you have a pilot’s license?
  13. Do you actively participate or plan to participate in any dangerous activities such as: sky diving, bungie jumping, base jumping, race car driving, scuba diving, etc, etc…
  14. Etc, etc…

As you can see, the list of questions that a typical life insurance application can ask is pretty extensive.

It’s also important to note that even if you answer “yes” to one of these questions or “yes” to several of these questions, it does not mean that you still can’t get a great rate on your life insurance policy.  It just means that, like your Ambien prescription, you may need to answer a few more additional questions for the insurance underwriter.

For example:

Lots of people love to scuba dive, but just how many people out there love to scuba dive under ice?  You see, insurance companies just want to know what kind of scuba diver you are.  Just like when it comes to taking Ambien, are you using it to occasionally fall asleep, or are you abusing the medication and are a danger to yourself?


Don’t be, just give us a call  and we’ll answer any questions that you may have and do our very best to find you the great life insurance policy!

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!

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.