Whenever we get a quote request or a call in from a client who is currently taking Avapro we immediately think of two things, hypertension or type 2 diabetes? This is because, Avapro is typically used to treat hypertension and will often be used to treat hypertension with those who also have type 2 diabetes.
Avapro (irbesartan) is in a group of drugs called angiotensin II receptor antagonists used to treat high blood pressure and treat kidney problems caused by type 2 diabetes. Which means that prior to being able to make any definitive decisions about a client who is currently taking Avapro, we’re going to need to learn more about your current health status.
Hypertension or blood pressure is described as the outward pushing force on the arterial walls caused by the pressure created by the heart. Blood pressure readings are described by two numbers, your systolic reading and your diastolic reading. Your systolic number measures the pressure in the arteries when the heart beats, your diastolic number measures the pressure in the arteries when the heart is resting between beats.
High blood pressure or hypertension is when blood pressure in the arteries increases forcing the heart to work harder and putting additional pressure on the arteries. This can result in damage to the heart, the arteries, and other organs.
Untreated high blood pressure values become an issue for life insurance companies because if left unchecked, could potentially lead to a heart attack, stroke or kidney damage.
About Diabetes 2:
Type 2 Diabetes or adult-onset diabetes is a metabolic disorder that is characterized by high blood glucose in the context of insulin resistance and relative insulin deficiency. This is in contrast to diabetes mellitus type 1, in which there is an absolute insulin deficiency due to destruction of islet cells in the pancreas. Type 2 diabetes makes up about 90% of diabetic cases.
When combined with high blood pressure (hypertension) typical complications such as diabetic eye disease and kidney disease can worsen. Most people with diabetes will develop high blood pressure during their life time.
Avapro without presence of type 2 diabetes:
As a general rule of thumb, folks using Avapro without the presence of type 2 diabetes, should still be eligible for a Preferred or Preferred Plus rate assuming that they meet all the additional requirements to qualify for such as rate.
Avapro with the presence of type 2 diabetes.
Conversely, those using Avapro with a history of type 2 diabetes will find it more difficult to qualify for life insurance simply due to their pre-existing condition of diabetes.
For these folks, insurance companies are going to want to learn more about how well your type 2 diabetes is being managed in addition to the “normal” life insurance application questions.
Typical questions asked to learn more about your diabetes would include:
- How old were you when you were first diagnosed with type 2 diabetes?
- How long have you been treating your diabetes?
- How often to you see your doctor for a routine checkup?
- Do you routinely check your blood sugar on a daily basis?
- When was the last time you had your A1C checked?
- What was the value of your last A1C?
- Is Avapro the only prescription diabetic medication that you are using?
- Has your doctor changed your prescriptions to treat your diabetes within the last 12 months?
- Do you have any other pre-existing conditions?
- Are you currently taking any other prescription medications?
- Do you suffer from any symptoms such as nerve pain as result of your diabetes?
- Are you currently working?
- In the past 12 months have you applied for or received any form of disability benefits?
- In the past 12 months have you used any form of tobacco or nicotine products?
Now we here at TermLife2Go like to put a positive spin on these additional questions because the truth is, if your type 2 diabetes is being managed well, the answers to these questions will quite often lead to you getting a “better deal” on your life insurance policy.
However, if you’re not managing your diabetes well, going through and answering these questions accurately can lead to 2 positive outcomes:
- You can begin taking your diabetes seriously and start managing it well so that you can not only get a better deal on your life insurance, but also get healthier!
- And secondly, by answering these questions truthfully, you can also potentially save yourself a lot of time and energy by NOT applying for a life insurance policy that you have no chance of qualifying for.
You see, when it comes to the fore mentioned life insurance questions above, insurance companies will want to collect your answers, but they’re also going to double check everything.
You see during your application, insurance companies will most likely:
- Order a prescription database check (did you list all the medications that your taking?)
- Perform a medical exam (assuming you are applying for a fully underwritten term or whole life insurance policy):
- Daily blood sugar level will be checked.
- A1C level will be checked.
- Nicotine screening will be performed.
- And in many cases your medical records will also be requested.
Which brings us to who we are and what we do, you see here at TermLife2Go…
We operate as an independent life insurance brokerage, that is free to pick and choose between dozens of different life insurance companies in an effort to find you the best possible life insurance policy out there!
Which means that, when it comes to placing those “Higher Risk” applicants such as those with type 2 diabetes, or a simple case of someone with hypertension, we’re able to “shop” your application with several different life insurance companies so that at the end of the day, you can feel confident with the life insurance policy that you choose!
So what are you waiting for? Give us ca call today and see 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.