Buying Life Insurance While Taking the Prescription Medication Celebrex.
Qualifying for Life Insurance While Taking Celebrex (Celecoxib).
As a general rule of thumb, having a prescription for Celebrex (Celecoxib) by itself, isn’t really going to play a major role in the outcome of your life insurance application.
Meaning that you should still be eligible for a “Preferred” or “Preferred Plus” rate, provided you meet all the other requirements necessary.
Celebrex (celecoxib) belongs to a group of drugs called nonsteroidal anti-inflammatory drugs that are used to treat pain and inflammation caused by many conditions such as:
- ankylosing spondylitis
- and menstrual pain.
Celebrex works by reducing the hormones that cause inflammation and pain in the body.
That being said however, insurance companies will want to learn more about the underlying cause which has warranted your prescription, particularly when it comes to those suffering with arthritis and/or ankylosing spondylitis.
Arthritis is typically defined as a painful inflammation and stiffness of the joints, and will usually be defined as either osteoarthritis or rheumatoid arthritis.
Osteoarthritis is defined as a degenerative disease of the joint cartilage and underlying bones. The primary symptoms will include joint pain and stiffness, especially in the hip, knee and thumb joints.
- Rheumatoid Arthritis:
Rheumatoid arthritis is defined as a chronic progressive disease causing inflammation in the joints leading to painful deformity particularly in the fingers, wrist, ankles and feet.
- Ankylosing Spondylitis:
Ankylosing Spondylitis is an inflammatory disease that can cause arthritic like symptoms caused by the ankylosing or fusing of vertebral and sacro-iliac joints.
In severe cases this could lead to possibly being denied coverage particularly when combined with receiving disability benefits.
At the end of the day…
When it comes to insuring folks who are taking Celebrex to help treat their arthritis be it osteoarthritis, rheumatoid arthritis or ankylosing spondylitis insurance companies are going to want to know how their arthritis is affecting their daily life.
Question such as:
- At what age where you diagnosed?
- How long have you been treating your condition?
- Are you currently working right now?
- In the past 12 months have you applied for or received any form of disability benefits?
- Do you require assistance win walking or performing any other routine activities?
- Are you taking any other medications to treat your condition?
- How often do you see your doctor regarding your condition?
- Over the past 12 months, has your condition improved, remained stable, or worsened?
- What is the long term prognosis of your condition?
These types of questions will give the insurance underwriters a pretty good idea of how well you’re coping with your disease, as well as, what the long term prognosis will be.
For this reason…
Folks who are suffering from Ankylosing Spondylitis, who generally contract the condition early in life, will have a difficult time finding coverage as well as those suffering from Rheumatoid arthritis simply due to its chronic nature and crippling effects.
Options, Options and More Options…
You’re never going to go wrong by giving yourself a ton of different options when it comes time to purchase your life insurance, particularly when you factor in a pre-existing medical condition or two!
Which is why so many people have found TermLife2Go to be such a perfect fit for them!
We here at TermLife2Go operate as an independent life insurance brokerage capable of working with dozens of highly rated life insurance companies.
Which means that as we learn more and more about your particular situation, we’re able to “pick and choose” between these different insurance companies as it slowly becomes clearer to us which life insurance company is going to be the best fit for you!
So what are you waiting for? Give us a call today and see what we can do for you!
Lastly, because you may be eligible for a life insurance policy that will not require you to take a medical exam, we would encourage you to take a look at our Whole Life Insurance Quotes page before you give us a call. This way you can get a general idea about what your insurance may cost before speaking with an agent.
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.