There’s really no simply way to answer whether or not your prescription for Cymbalta (Duloxetine) is going to affect your life insurance application, simply because Cymbalta is one of those medications that first treats a bunch of different seemingly unrelated medical conditions and depending on the severity of each of those conditions, insurance companies are likely to reach a totally different conclusion. So with that said, let’s first just take a look at Cymbalta and list a few of the medical conditions it treats.
Cymbalta (duloxetine) is a selective serotonin and norepinephrine reuptake inhibitor antidepressant that is used to treat:
- major depressive disorder,
- general anxiety disorder,
- fibromyalgia or chronic muscle or joint pain,
- as well as treating pain caused by nerve damage in people with diabetes.
Which means that…
Prior to being able to make any type of accurate prediction about how your Cymbalta is likely to affect your life insurance application, we’re going to need to know why you were prescribed it.
Major Depressive Disorder and General Anxiety.
Now while these two conditions are totally different, the questions used to determine the severity of each will in most cases look very similar so let’s just take a look at what those questions will look like here:
- At what age were you first diagnosed?
- How long have you been treating your condition?
- How were you diagnosed? Through a primary care physician or a psychiatrist?
- Have you ever been hospitalized for your condition?
- Have you ever attempted suicide or had suicidal thoughts?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
Now depending on how you answer questions like these, the insurance company will generally begin to get an accurate idea about whether or not you’ll qualify for a traditional term or whole life insurance policy and at what “rate class” you may potentially qualify for.
Additionally, it should be noted that clients with more serious anxiety or depression, who are (a) on disability, or (b) have had a suicide attempt or thoughts of suicide, may still qualify for a table rate although he/she may need to consider burial insurance or final expense policy where there are no health questions and no medical exam to consider.
Fibromyalgia or chronic muscle or joint pain.
For folks suffering from Fibromyalgia or chronic muscle and joint pain it is certainly possible that you may be eligible for life insurance, but again, the severity of your condition will definitely play a major role in the decision making process.
So as a general rule of thumb when it comes to folks apply for life insurance with Fibromyalgia or chronic muscle and joint pain insurance companies are going to want to know:
- When where you first diagnosed?
- What types of medications are you using to treat your pain?
- Are you currently receiving any form of disability benefits?
- And are you able to perform normal activities of daily living (ADL’s)?
Pain caused by nerve damage in people with diabetes.
Lastly in cases where Cymbalta is being used to treat nerve pain in folks with diabetes, insurance companies are going to want to know:
- At what age you were first diagnosed with type 2 diabetes?
- How often do you see your primary care physician?
- How often do you check your blood sugar?
- What was the value of your last A1C?
- What is your current height and weight?
- Have you recently experienced any sudden weight gain or loss?
- Within the past 12 months have you used any tobacco or nicotine products?
What we do…
Now we’ll be the first to admit that we just briefly touched on a ton of information in this article, and in no way gave any of these topics the “justice” that they deserve. But in truth, we sort of did this on purpose.
Because you see…
When it comes to the life insurance industry, the moment you decide to write something down as fact, it’s immediately updated, changed, re-written and re-worked.
This is why we always like to keep it somewhat “basic” and simply encourage those who are reading this to give us a call!
We here at TermLife2Go operate as an independent life insurance brokerage who is able to work with dozens of highly rated life insurance companies so that when it comes time to finding you the best possible life insurance policy out there, you’ll certainly have plenty to choose from when working with us!
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 a general idea about how much their life insurance could potentially cost before speaking actually with a “live” agent, we would encourage you to check-out our Life Insurance Quotes page when you have a moment!
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.