Qualifying for Life Insurance while taking Arthrotec.

Buying Life Insurance While Taking the Prescription Medication Arthrotec.

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You may also want to read our article Top 10 Life Insurance Companies and Top 10 Life Insurance No Exam Companies

Buying Life Insurance While Taking the Prescription Medication Arthrotec.

When it comes to trying to determine what type of effect taking Arthrotec is going to have on a life insurance application, it really comes down to the severity of the condition that its treating and the type of life insurance being applied for.

About Arthrotec.

Arthrotec is a nonsteroidal anti-inflammatory drug that is used to treat osteoarthritis and rheumatoid arthritis in people who have a high risk for developing stomach and intestinal ulcers.

Now generally speaking, if your Arthrotec is used to treat for osteoarthritis without a history of rheumatoid arthritis or disability, most applicants should be able to receive a “preferred” or better rate when applying for either a traditional term life insurance policy or a whole life insurance policy.

However, if Arthrotec is being used to treat someone who have been diagnosed with rheumatoid arthritis or have a history of disability (ie: currently receiving SSI disability for their arthritis), being able to qualify for a preferred status is highly unlikely and most cases we would be looking for a life insurance carrier that would be willing to offer a Standard rate (at best).

In general, we’ll typically quote folks who have rheumatoid arthritis and still appear eligible for life insurance a Table B or C rate class so as to not “over promise” on what an insurance company might approve their application at.

Questions that will typically be asked during the application process in regards to your Athrotec prescription will include:

  • Age when originally diagnosed?
  • How long have you been treating your condition?
  • How well is your condition being maintained?
  • Do you have any other pre-existing conditions?
  • Are you currently working?
  • Are you currently receiving any disability benefits?

Conditions treated by Arthrotec:

Rheumatoid arthritis is an inflammatory arthritis. It is considered an autoimmune disease. Basically, the immune system attacks the body’s own tissues, causing pain in the area where the bones meet (the joints). Roughly 1% of the U.S. population has Rheumatoid arthritis.

Osteoarthritis affects an estimated 27 million people in the U.S.  Occurs when cartilage breaks down, causing bones to rub together, which will ultimately lead to pain and loss of movement. It is the breakdown of the cartilage that defines Osteoarthritis.

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..
  • Second, determining the appropriate coverage amount.
  • And lastly, determining which carrier will most likely give you the best rate available.

You see here at TermLife2Go we understand that people choose to buy life insurance for all sorts of reasons.  You could be looking to purchase your life insurance to:

  • Protect a spouse or child.
  • Cover the cost of a mortgage.
  • Insure a business or obtain a business loan.
  • Estate planning purposes.
  • Protect earning that would be lost in the event of a primary earner passing away.
  • Or simply cover the cost of a burial.

Which means…

That regardless of your personal reasons for looking for insurance, you’re going to want to work with an independent life insurance brokerage that not only has the experience and expertise needed to help guide you through the process of finding the right insurance policy, but also one that has access to dozens of different life insurance companies, each with their own unique underwriting guidelines!

So what are you waiting for?  Just give us a call today and see just what we can do for you!

Lastly, because you may be eligible for a life insurance policy that will not require you to take a medical exam, we would encourage you to take a look at our  Whole Life Insurance Quotes page.

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.