In general, when working with someone that is taking Atacand, we’re going to need to ask about what other pre-existing conditions that they may or may not have before we can really get an accurate idea about what role their Atacand is going to play in their life application process.
Atacand (candesartan) is an angiotensin II receptor antagonist used to treat high blood pressure (hypertension) and treat kidney problems caused by type 2 diabetes. Atacand works by keeping blood vessels from narrowing, which lowers blood pressure and improves blood flow.
So “whatcha” Got?
Have you been prescribed Atacand to treat simply hypertension? Or have you been prescribed your Atacand to treat your hypertension which is a byproduct of having type 2 diabetes?
Typical hypertension would be defined as the “pressure” that your blood forces outward on your arterial walls. This pressure is created by the heart pumping blood through vessels and capillaries.
High blood pressure in diabetic patients can lead to, and make worse, many of the different complications associated with diabetes in general. Particular concern will focus on diabetic eye and kidney disease made worse from hypertension.
Now if we’re…
Now if we’re just talking about traditional hypertension, assuming that you don’t have any other serious pre-existing medical conditions, well maintained, “hypertension applicants” should still be eligible for “Preferred” or better rates.
However, if you Atacand, has been prescribed to treat hypertension associated with type 2 diabetes, insurance companies are going to then begin asking question about how well your diabetes is being controlled.
Typical Underwriting Questions for Diabetics:
- Height and weight?
- At what age were you first diagnosed with diabetes?
- How long have you been treating your diabetes?
- What medications are you using to treat your diabetes?
- Do you have any other pre-existing medical conditions?
- Do you check your blood sugar daily?
- What is your daily blood sugar level average?
- How often do you see your primary care physician?
- What was your last A1C?
- Are you experiencing any negative symptoms associated with your diabetes such as nerve pain?
- In the past 12 months have you used any tobacco or nicotine products?
Questions like these will be used by the insurance company to determine what type of life insurance policy you’ll be able to qualify for in addition to what rate class you will fall into.
We here at TermLife2Go will also use the answers to these questions to help us narrow down which life insurance company we feel will provide you with the best “underwriting” practices for your particular medical condition (ie: which insurance company is currently the most “diabetic friendly).
You see here at TermLife2Go, we understand that not everyone’s life insurance needs are going to be the same. This is why we’ve chosen to remain an independent life insurance brokerage that is able to work with dozens of highly rated life insurance companies, so that when a client calls us with a particular pre-existing condition or an unique insurance need, we’ll have plenty of options to choose from.
So whether you’re looking for your life insurance coverage to:
- Cover the cost of a mortgage?
- Protect a spouse or child?
- Protect lost income as a result of a loss.
- Provide collateral for a business loan.
- Meet a divorce decree requirement.
- Insure a parent or sibling that doesn’t have insurance in place.
- Or just cover the cost of a burial.
Having options is going to make all the difference in the world when it comes to finding that perfect fit!
So what are you waiting for? Just give us a call 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 Term Life Insurance Rates page which will allow you compare prices of policies that will require you to take a medical exam vs those that won’t.
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.