Great “No Medical Exam” Life Insurance Options for Avelox Users!

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Whenever we get a quote request or a call in from a client that is worried that their Avelox prescription may affect their life insurance application, we typically think of two things:

  1. What type of bacterial infection is the Avelox being used to treat for?
  2. And has the client recently traveled to a location that the insurance industry might be worried about.

You see, in general, having a prescription for Avelox isn’t going to be a major concern for most insurance companies.  However, if the underlying bacterial infection is a serious one, or you contracted your bacterial infection in a location in the world where insurance companies don’t like to cover, your Avelox prescription could play a significant role in your application process.

About Avelox:

Avelox (moxifloxacin) is an antibiotic in a group of drugs called flouroquinolones, and is used to treat various bacterial infections of the skin sinuses, lungs and stomach.

Conditions that could be cause for concern during an application process would include:

  • Intraabdominal infection,
  • Pneumonia,
  • Tuberculosis (not approved by FDA),
  • And Anthrax (not approved by the FDA)

More common uses would include treatment for and ones that won’t be cause for alarm would be:

  • Sinusitis,
  • Soft tissue infection,
  • And bronchitis.

Now in the vast majority of cases that we’ll encounter, the Avelox prescription will have been used to treat for a routine infection for 5 to 14 days.  During which time, the bacterial infection will most likely been taken care of.  For this reason, it’s not uncommon for a life insurance company to wait until treatment has been concluded prior to moving forward with your life insurance application.

However, in cases where the underlying cause is considered more harmful, waiting until treatment has been concluded will generally be considered “standard practice”.

Travel History.

Depending on the type of bacterial infection being treated (if your bacterial infection is an unusual one), insurance companies may become more interested in your travel history in an effort to learn about how you contracted your bacterial infection.

As a general rule of thumb, insurance companies will typically ask the question:

“In the next two years do you have any plans to travel outside of the United States?”

in an effort to avoid insuring anyone that might be traveling to what might be considered a “dangerous” location.  Countries such as:

  • Iraq,
  • Iran,
  • Afghanistan,
  • Certain areas of Mexico, India and Africa.
  • Haiti,
  • Etc, etc…

A diagnosis of an unusual bacterial infection is likely to cause additional questions about travel history and contact with those traveling from outside the United States.

We’re not trying to scare you!

We have to say, that after reading what we just wrote, this all sounds kind of scary but the truth is we’re really not trying to scare you.

99% of folks who have been prescribed Avelox for an infection, are going to have nothing to worry about and for that 1% of folks who have been prescribed for a more serious infection, let’s face it, your doctor has probably already gone over all the questions that an insurance company will want to know about.  Questions such as:

  • How long have you been feeling sick?
  • Do you know where you contracted your illness?
  • Have you been exposed to anyone with similar symptoms?
  • Have you recently traveled outside the US or been in contact with anyone who has?
  • Etc, etc…

All typical and normal questions.

The Main Take Away…

The main take away at this point is that regardless of why you were prescribed Avelox, you’re going to want to work with an independent insurance brokerage that not only has the skill and expertise to help guide you through the entire life insurance application process, but also has dozens of different life insurance companies to choose from so that you’re sure to get that great rate you’re looking for!

So what are you waiting for, give us a call and see 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 Life Insurance Rates page when you have a few moments to spare.

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.