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Generally, whenever we have someone give us a call or request a quote for life insurance that is using Epogen, the first thing that we’re going to want to know is:
- How much life insurance are they looking for?
- How old are they?
- And why are they taking Epogen?
Epogen is one of those medications that is typically prescribed to treat conditions that will make qualifying for a fully underwritten term or whole life insurance policy much more difficult.
This is why, we’ll first ask about how much insurance you’re looking for in an effort to simply avoid any type of life insurance product that will ask about your current health status.
Epogen (epoetin alfa) is a man-made replacement form of the protein that is produced naturally in the body that helps produce red blood cells. When fewer red blood cells are produced, one can end up developing anemia.
Common Types and Causes of Anemia.
- Iron deficiency.
- Vitamin Deficiency.
- Chronic diseases such as cancer, HIV, rheumatoid arthritis, etc..
- Kidney failure.
- Aplastic anemia.
- Bone marrow disease.
- Hemolytic anemias.
- Sickle cell anemias.
So… Whatcha Got?
Now while it’s true that Epogen use will generally be reserved to help treat those suffering from more “serious” causes of anemia, in theory, Epogen could also be used to simple cases of iron or vitamin deficiency as well.
This is why, knowing why you’ve been prescribed Epogen will still play a major role in determine the types of life insurance policies you will be eligible for as well as what “rate” you’ll be required to pay.
But before we get ahead of ourselves, let’s first just state the obvious.
Anemia is a complex medical condition that can be the result of many, many conditions. Some of which may be:
- Easily remedied.
- The result of an accident.
- Or the result of some type of chronic condition.
So as a general rule of thumb, if your anemia (and consequent Epogen prescription) is due to some type of temporary medical condition, chances are, the insurance companies are not going to penalize you for using Epogen, but will likely want to review your medical records so that they can be certain that your anemia isn’t the result of some other more serous underlying medical condition.
If you anemia and Epogen use is due to some other chronic medical condition, it’s quite possible that you may not be eligible for a fully underwritten term or whole life insurance policy which is why you may want to consider looking at what is called a Guaranteed issue life insurance policy that will provide coverage up to about $25,000 in coverage and won’t ask any medical questions.
It’s important to note that Guaranteed issue life insurance policies will have some exclusions to them (graded death benefit), which is why it’s important to fully understand the pro’s and con’s of such policies.
(Please see our Top 10 Best Final Expense Companies where we outline some of these pro’s and con’s)
The Good News is that…
If you choose to apply for life insurance with an insurance brokerage life TermLife2Go, you’ll be assigned an agent who will review your case and go over all of your options with you. Additionally, because your applying with TermLife2Go, you’ll also have access to dozens of different life insurance companies to pick and choose from which means that you won’t have to rely on just one or two different options which could make a huge difference particularly if you’re applying for coverage with a significant pre-existing medical condition.
So what are you waiting for? Give us a call today and see what we can do for you!
Lastly, for those who aren’t quite ready to speak with an agent… DON’T. Just visit our Term and Whole Life Insurance Quotes page and look around. On this page you’ll be provided with dozens of different life insurance quotes instantly!