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We here at TermLife2Go generally like working with clients who are currently taking Benicar HTC (Olmesartan), because in general, having a prescription for Benicar HTC isn’t going to negatively affect your life insurance application.
Plus, since you’ve already been prescribed Benicar HTC, it usually means that you’re at least seeing your primary care physician on an occasional basis!
As a life insurance life insurance brokerage, one of the biggest obstacles our agents face on a daily basis is, trying to find a life insurance policy (that generally will require a medical exam) for a client who hasn’t actually visited their doctor in years.
The difficulty is because…
These clients “technically” don’t know if they have:
Now to the best of the client’s knowledge everything is fine, but this belief is based on a physical that was preformed 10 years ago, so who really knows?
Conversely, the applicant who is already taking Benicar HTC (Olmesartan), already knows he or she has high blood pressure and is taking medication to fix it!
About Benicar HTC (Olmesartan).
Benicar (hydrochlorothiazide) is a thiazide diuretic (water pill) used to treat high blood pressure by preventing the body from absorbing too much salt, which can cause fluid retention. Benicar HTC also works to keep blood vessels from narrowing, which lowers blood pressure and improves blood flow. And provided that the client has been taking Benicar HTC for more than 6 months and, it has been proven to be working, the client should still be eligible for a “Preferred” or “Preferred Plus” rate, provided they’re in good health otherwise.
So, If Taking Benicar HTC isn’t Going to Affect My Life Insurance Application, What will?
Since, in most cases, taking Benicar HTC isn’t going to play a major role in what rate class you’ll qualify for, it only makes sense to take a look at what “might” play a role in what you can and can’t qualify for.
Typical questions used to determine price and eligibility:
- Height and Weight?
- Have you been diagnosed with any other pre-existing conditions?
- Have you been prescribed any other prescription medications?
- Do you use any tobacco or nicotine products?
- Has any of your immediate family members (mother, father, brother, sister), ever been diagnosed with cancer, heart disease, stroke or diabetes?
- Do you have any issues with your driving licensed?
- Have you ever been convicted of a felony or multiple misdemeanors?
- Do you have any current bankruptcies on your record?
- Do you have any plans to travel outside of the United States in the next 2 years?
- Do you have any plans to participate in any danger activities or hobbies such as sky diving, bungie jumping or rock climbing in the next two years?
- Etc, etc…
Now just because you may have answered “yes” to one or more of these questions, we don’t want you to give you the wrong idea.
You see, insurance companies use these questions to make decisions based on their “own internal underwriting guidelines”, while we here at TermLife2Go use them for a completely different reason.
We use these questions to “weed out” those insurance companies that aren’t going to be the best for you.
We here at TermLife2Go operate as an independent life insurance brokerage that works with dozens of highly rated insurance companies so that when it comes time to finding you the coverage that you’ll need, we’re going to have plenty of options for you to choose from!
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 and Whole Life Insurance Quotes page when you have a few moments to spare.