Axid is one of those types of medications that can be prescribed for a wide variety of medical conditions. Some of these conditions may have little or no effect on your life insurance application, while others may play a major role in whether or not you’ll be able to find coverage for a fully underwritten term or whole life insurance policy.
Which means we’re going to need to know “Whatcha got?”
Axid (nizatidine) is a prescription medication that is classified as a histamine-2 blocker. Axid works by decreasing the amount of acid that the stomach produces, and can be used to treat a wide range of conditions from heartburn, stomach ulcers, gastroesophageal reflux disease (GERD), esophagus damage and many different conditions that cause your stomach to make too much stomach acid such as Zollinger-Ellison syndrome.
Now if you’re over the age of 40 most of us have a good idea of what heartburn feels like so there’s no real need to discuss it any further, but taking a look at some of the other conditions that Axid treats, might be helpful, so let’s take a look:
Ulcers are usually described as an open soar and are typically referred to by the area that they’re located. Peptic ulcers are found in the lining of the stomach, esophagus, or upper small intestine, while gastric ulcers are confined to the stomach area. Lastly ulcers found in the upper area of the small intestine (the duodenum) are typically called duodenal ulcers.
Gastroesophageal Reflux Disease (GERD).
Gastroesophageal Reflux Disease (GERD) is a chronic digestive disease that occurs when stomach acid flows back into your esophagus. It’s the recurring irritation caused by the chronic nature of this “backflow” that becomes diagnosed as GERD.
Zollinger-Ellison Syndrome (ZES).
Zollinger-Ellison syndrome is caused by a non-beta islet cell (islet of Langerhans), gastrin-secreting tumor of the pancreas that stimulates the acid-secreting cells of the stomach to over produce, thereby causing gastrointestinal mucosal ulceration.
Effects on a life insurance application:
Now when it comes time to helping those who are currently taking Axid, knowing what condition is being treated is always a first step.
From there however, the conversation is going to quickly switch to how well is your condition being managed. Questions such as:
- When were you first diagnosed with your condition?
- What medications are you taking to control your condition?
- Have you ever been hospitalized for your condition?
- Over the past 12 month has your doctor changed your medications in regards to your condition?
- Over the past 12 months has your condition improved, worsen, or remain stable?
Will certainly play an important roll in your applicant process.
Then once we have a pretty good idea about the severity of your condition…..
Then once we have a pretty good idea about the severity of your condition, we can then begin taking a look at what type of coverage you’re looking for.
Are you looking to buy life insurance to:
- Protect a spouse or child?
- Cover the cost of a mortgage?
- Protect or collateralize a business loan?
- Satisfy a divorce decree?
- Or maybe just cover the cost of a burial?
Knowing what you’re looking to achieve with your life insurance as well as having a pretty good idea on what you’ll be able to qualify for will allow us here at TermLife2Go to walk you through the application process and help guide you to which insurance company that we feel will best meet your needs.
You see here at TermLife2Go we’ve chosen to operate as an independent life insurance brokerage capable of working with dozens of highly rated life insurance companies so that we can “pick and choose” amongst dozens of different life insurance companies in an effort to help match you up with the best possible life insurance policy that you can qualify 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 Whole 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.