Typically, when we encounter someone that is taking Avalide to control their blood pressure (hypertension) we generally just need to know two things:
- How long have you been taking Avalide, (insurance companies typically like to that you’ve been taking your blood pressure medications for longer than 6 months)?
- And has your prescription of Avalide helped to lower your blood pressure levels?
So, if you’ve been taking your Avalide for more than 6 months and its working, you’re generally not going to have to worry about Avalide “messing up” your life insurance application.
Avalide (hydrochlorothiazide and irbesartan) is a thiazide diuretic (water pill) used to treat high blood pressure. Avalide works by helping the body avoid absorbing too much salt which can cause fluid retention. Avalide also prevents blood vessels from narrowing, which lowers blood pressure and improves blood flow.
And as stated before, provided that you’ve been taking your Avalide for over 6 months and its working, you really shouldn’t have a problem with being able to still qualify for a “Preferred” or “Preferred Plus” rate class.
Additional Factors that will be considered:
Now since we’ve covered the fact that your Avalide prescription probably isn’t going to be a factor in determining whether or not you can qualify for life insurance or what “rate class” you will qualify for, let’s discuss some factors that might, play a role in your life insurance application.
- Height and weight?
- Do you have any pre-existing medical conditions?
- Have you ever been diagnosed by a medical doctor with cancer, heart disease, stroke, or diabetes?
- Has any one of your immediate family members (mother, father, brother, sister) ever been diagnosed by a medical doctor with cancer, heart disease, stroke, or diabetes?
- In the past 12 months have you used any tobacco or nicotine products?
- Are you currently working?
- In the past 12 months, have you applied for or received any form of disability benefits?
- In the past 3 years do you have an DUI’s or multiple speeding tickets and/or accidents on your driving record.
- Have you ever been convicted of a felony or misdemeanor?
- Have you ever applied for bankruptcy?
- In the next 2 years, do you have any set plans to travel outside of the United States?
- In the next 2 years do you have any set plans to participate in any dangerous activities or hobbies such as: rock climbing, sky diving or bungie jumping?
As you can see, insurance companies are going to look at a wide variety of topics when determining who they will insure, and at what price?
But that does not mean that all life insurance companies or policies are the same.
Let’s just say that you’re in prefect health, but you did apply for bankruptcy 13 months ago.
One would think that this wouldn’t necessarily be an issue, however for one highly rated life insurance company that often times has some of the lowest pricing out there, this “bankruptcy” would be a deal breaker. In fact, any bankruptcy within the past 24 months is an immediate cause for denial!
Now you may ask,
“What’s the big deal about having a bankruptcy on my record?”
And we’ll tell you,
“We have no idea why some insurance companies care if you have a bankruptcy on your record”.
But we make it our business to know all of the “idiosyncrasies” of each and every insurance company that we represent so that when it comes time to finding you the best life insurance policy out there, we’re going to have dozens of highly rated life insurance companies to choose from.
So what are you waiting for? Just give us a call and see just what we can do for you!
Lastly, for those who would like to get an idea about how much their life insurance might cost before speaking with an agent, we would recommend that they check out our Term and Whole Life Insurance Quotes page when you have a few moments to spare.