Typically, when we get a client asking us about whether or not their Azithromycin (Zithromax) is going to affect their application, it is because the client may currently be “battling” an existing infection and is thinking it might be best to postpone their application until their feeling better.
And in some cases, depending on the type of life insurance policy that you’re applying for, it may be a good idea of hold off for a week or two.
But before we get into all of that, let’s first take a look at what Azithromycin is, and what types of infections it typically treats.
About Azithromycin (Zithromax).
Azithromycin (Zithromax) is a macrolide antibiotic that is used to treat many different types of infections caused by bacteria such as respiratory infections, skin infections, ear infections and sexually transmitted diseases. So in the world of life insurance, Azithromycin is generally used to treat conditions that won’t play a major role in determining the outcome of your life insurance application.
Which means that…
If you’re a healthy individual and just happen to have been prescribed Azithromycin for a typical bacterial infection, there really shouldn’t be any reason why you should be able to qualify for a Preferred or Preferred Plus rate class on your life insurance application provided you meet all the other requirements.
But what if I’m battling an infection right now?
Generally, we always like to suggest that our clients apply for life insurance or more specifically take their medical exam for their life insurance policy when their:
- Well rested.
- And feeling good.
After all, the results from your life insurance exam will definitely be used to determine what rate class/price you’ll qualify for.
So as you can see, it dos “make” sense to schedule your life insurance exam, once you’re feeling better.
But here’s the problem….
You never know when a bus is going to hit you, or an earthquake is going to strike which is why we always get nervous about telling someone, particularly someone who doesn’t already have a life insurance policy in place that they should wait week or two.
You just never know!
This is why we’ll often recommend taking a look at a “No Medical Exam” term or whole life insurance option.
No Medical Exam Life Insurance.
Recently as life insurance companies have become more sophisticated using “big data”, the need to actually have a life insurance applicant take a medical exam and wait 2 to 4 weeks before being approved is slowly being replace with “Instant Underwriting”.
So if you don’t have any serious pre-existing conditions and it looks like you would have really good chance a qualifying for a “No Medical Exam” life insurance policy, why not just “skip” the exam and get insured today!
Questions that will be asked during a No Medical Exam life insurance policy will include:
- Height and weight?
- Do you have any pre-existing medical conditions?
- Have you ever been diagnosed with cancer, heart disease, stroke, or diabetes?
- Are you taking any prescription medications?
- Has anyone in your immediate family (mother, father, brother, sister) ever been diagnosed with cancer heart disease, stroke or diabetes?
- In the past 12 months have you used any tobacco or nicotine products?
- Do you have any issues on your driving record like a DUI, multiple moving violations or accidents in the past 3 years?
- Do you have any felonies or misdemeanors on your police record?
- Have you ever filed for bankruptcy?
- In the next 2 years do you have any plans to travel outside the United States?
- In the next 2 years do you plan on participating in any dangerous hobbies such as rock climbing, sky diving or bungie jumping?
Now the good news is that you can still say “yes” to many of these questions and still qualify the insurance companies just what to learn more about any “yes” answers that you may have.
So what are you waiting for? Give us a call today 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 Term Life Insurance Quotes 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.