Cozaar is one of those medications which, on the face of things, shouldn’t be an issue when it comes to applying for life insurance.
After all, Cozaar is simply a medication used to lower one’s blood pressure, right?
Well sort of…
See the problem is that Cozaar is also a commonly prescribed medication for folks looking to lower their risk of stroke and in others who have been diagnosed with type 2 diabetes. Which is why it’s not always super easy to know exactly how an insurance company is going to “view” your Cozaar prescription.
So… We need to determine whatcha got?
Is your Cozaar being used to simply lower your blood pressure,
Or have you previously suffered from a stroke and are now using Cozaar to help minimize the chances of having another one?
Or have you been diagnosed with type 2 diabetes and are now using Cozaar to lower your blood pressure?
As you can see…
Your agent, assuming that they know what they’re doing, is going to need to recognize that your Cozaar prescription isn’t necessarily a bid deal, but it should initiate a series of questions that will be designed to first learn about why you’ve been diagnosed Cozaar and second to learn more about the severity of that condition.
Common questions that we’ll use to learn more about why you were prescribed Cozaar:
- Why were you prescribed Cozaar? (that’s an obvious one!)
- Have you ever suffered from a heart attack, stroke or been diagnosed with diabetes?
- Who prescribed your Cozaar? Your primary care physician or a specialist?
- How long have you been taking Cozaar?
- At what age where your originally prescribed Cozaar?
- Have any of your immediate family members ever been diagnosed with heart disease, stroke or diabetes?
From there, we may dive into additional questions such as:
- If you have had a heart attack or stroke, how long ago did it occur?
- When was the last time you had an EKG performed? And what were the results?
- When was the last time you had a cardiac stress test performed? And what were the results?
- If you do have type 2 diabetes, what is your current A1C?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
- And in the past 12 months have you used any tobacco or nicotine products?
Now when your applying for life insurance…
You need to understand that the questions on the application are designed to do two things. First determine if you’re eligible for life insurance and second, determine what “rate class” you will qualify for.
The main difference between an insurance company asking these questions and us here at TermLife2Go asking these questions is that in addition to trying to determine your eligibility and rate class, we’re also trying to determine which life insurance company is going to be the best fit for you!
Here at TermLife2Go have chosen to remain an independent life insurance brokerage that works with dozens of highly rated life insurance companies in an effort to help our clients find the best possible life insurance policy out there.
We feel that by being able to simultaneously “shop” dozens of carriers, our clients are better prepared to make the right decision for their own individual needs.
So as we always say, 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 Compare Medical Exam Required and No Medical Exam 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.