When to comes time to helping folks who are currently taking Depakote or Depakote ER, knowing why it has been prescribed is really going to be the most important consideration.
Depakote is one of those types of drugs that can be used to help treat a wide variety of conditions ranging from various types of seizure disorders, to the prevention of migraine headaches and helping to treat manic episodes related to bipolar disorder.
This is why…
A careful examination of why you’ve been prescribed Depakote or Depakote ER will need to be done by your insurance agent prior to being able to make any type of accurate prediction on how its use will affect your life insurance application.
For this reason, let’s just take a brief moment to exam each of the conditions that Depakote will likely be used to treat and review what some of the common questions that will need to be answered before you can be approved for life insurance.
Generally, when it comes to seizure disorders, insurance companies are going to be interested in the following:
- What types of seizure (tonic-clonic seizures, i.e. grand mal, absence seizures, i.e. petit mal) do you suffer from?
- When your last epileptic seizure?
- How often you have a seizure?
- Have you ever been hospitalized as a result of a seizure?
- And what additional medications are you currently taking?
Best case scenario…
Will be a client who has had only one small seizure over 10 years ago, with no other history of seizures, and who takes no medications aside from Depakote or Depakote ER.
If this sounds like you, then there is a pretty good chance you may might be eligible for a “Preferred” or “Preferred Plus” rate class.
Most well controlled clients…
Who have a history of seizures, (i.e. petit mal), and who have not had a seizure for at least two years, will typically earn a “Standard” rate.
For our more serious cases…
Additional information may be required such as medical records which could still theoretically allow them to qualify for a rate below standard, however, these folks may also need to consider alternative life insurance product such as a guaranteed life insurance and/or burial life insurance policy where there is no medical exam and no health questions.
Now for folks suffering from migraine headaches, questions are going to focus more on how these migraines are affecting your normal daily activities than the actual severity of the headache itself.
This is why you should expect to be asked question such as:
- Are you currently working now?
- How much work in the past 12 months have you lost as a result of your migraines?
- In the past 12 months have you applied for or received any form of disability benefits?
- What additional medications other than Depakote or Depakote ER are you currently taking?
Now how you end up answering these questions and other non-related life insurance application questions (such as height, weight, tobacco use, etc..,) will ultimately determine what rate class you’ll be eligible for.
The good news is that for folks who are otherwise pretty health and don’t suffer from debilitating migraines qualifying for a “Preferred Plus” rate is definitely a possibility.
Manic episodes related to bipolar disorder.
Can folks who have been diagnosed with bipolar disorder get insured?
Sure they can, but we’re not going to sugar coat it, insurance companies love to say that they’ll insure folks who have been diagnosed with bipolar disorder, but when it comes right down to it, don’t be surprised if you need to be denied a few times before you find that “ONE” carrier that is willing to approve your application.
Now you can save yourself…
A lot of time and grief if you choose to apply with an agency that is familiar with finding folks with bipolar disorder life insurance coverage, an agency like TermLife2Go.
What we can tell you for sure is…
That most well controlled clients who have been diagnosed with bipolar disorder will come back at a standard rate class.
On rare occasions where a client can produce “superb” documentation showing “great” control of their disorder, with no hospitalization in the last 10 years, a preferred rate class may be possible.
The main take away…
Regardless of why your taking Depakote or Depakote ER, should be that you’ll definitely want to work with an agent who knows his or her “stuff” and had the freedom and flexibility to work with dozens of highly rated life insurance companies, which is exactly what we have to offer here at TermLife2Go.
So what are you waiting for? Give us a call today and see what we can do for you!
Lastly, for those who don’t really want to speak with an agent before they have a chance to look at a few quotes, we would encourage you to check out our Term Life Insurance Quotes page when you have a chance since it will provide you with dozens of quotes instantly!