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Buying life insurance while taking Celexa or Citalopram.

citalopram and life insurance


Qualifying for Life Insurance While Taking Celexa and/or Citalopram.

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Finding coverage for someone who is currently taking a prescription medication such as Celexa or Citalopram to treat for depression is always a bit tricky, or perhaps we should say, a “bit tricky in the beginning”.

This is because…

The term “depression” could mean a lot of things and is quite often thrown around in today’s garaging very loosely. 

After all, we could probably ask a 100 different people what their “definition of depression” is and probably get 100 different answers!

This is why…

When it comes to working with someone who has been prescribed a prescription medication to treat depression, we’ll need to ask a few additional questions to help us determine what “type” of “depression” are we working with?

Typically questions you likely encounter during a life insurance application regarding depression will include:

  • At what age where you when you were first diagnosed?
  • Who diagnosed your depression? Your primary care physician or a psychiatrist?
  • What if anything, do you believe has triggered your depression?
  • How long have you been treating your depression?
  • What medications and or treatments are you using to treat your depression?
  • Within the past 12 months has your treatment program changed in any way?
  • Are you currently working now?
  • In the past 12 months have you applied for or received any form or disability benefits?
  • Have you ever contemplated or attempted suicide?
  • Have you ever been hospitalized as a result of your depression?
  • Do you have any history of drug or alcohol abuse?
  • Do you have any DIU’s on your driving record?
  • Have you ever been convicted of a felony or misdemeanor?

As you can see, it’s quite a list.  But the good news is that generally, after you’ve answered these questions, we’ll typically have a pretty good idea about the type of life insurance you can qualify for.  We’ll also have a pretty good idea of what “rate class” you’ll be categorized as well.

“These questions seem a bit intimidating!”

For many who have simply been prescribed an anti-depression medication because, “on occasion” they can “sometimes” feel a little “down”, answering questions like:

  • Have you ever been hospitalized?
  • Do you have any history of drug or alcohol abuse?
  • Have you ever contemplated or attempted suicide?
  • Or have you ever been convicted of a felony or misdemeanor?

May seem like a bit crazy…

“Woah, woah this is getting to be too much!”

 

These folks may even become “turned off” from the whole life insurance application process itself!

But what these folks need to understand is…

By answering these questions, truthfully and honestly, they’ll often be able to separate their “mild” case of depression, which can often receive a “Preferred” rate class from a more serious case of depression which could result in a denial.

This is why it’s so important to…

Choose a life insurance brokerage, like TermLife2Go, which not only has the experience and expertise to find great life insurance coverage for folks who have been diagnosed with depression, but also has dozens of different life insurance companies to choose from when comes to finding you and your family a great deal!

TermLife2Go.

As an independent life insurance brokerage we here at TermLife2Go have worked hard to foster relationships with dozens of different, highly rated life insurance companies that we feel best provide our clients with the best life insurance coverage that they deserve.

Which is why we would encourage you, even if you’re currently working with another agency or you’ve already been turned down in the past to 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 actually speaking with one of our agents, we would recommend that you visit our quoter page: Term and Whole Life Insurance Quotes when you get a chance.

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