Since Differin is simply a topical medicine that is used to treat severe acne in people who are at least 12 years old, you’re not going to have to worry about it negatively affecting your life insurance application.
This is because…
When it comes to applying for life insurance, there are only three factors that are going to come into play: Your health, your life style choices, and your family history.
Insurance companies have several methods in determining how healthy you are. Methods such as requiring that you take a medical exam, ordering a prescription medication check and in some cases ordering medical records from your doctor will all. So needless to say, if you have a pre-existing condition, chances are, the insurance companies will find out about it prior to approving your for coverage.
Insurance companies are going to ask you a few “life style” questions. Are you someone that likes to:
- Take chances?
- Drive a bit too fast?
- Or live for the rush of adrenaline?
If so, insurance companies are going to want to find out before the decide to offer someone a life insurance policy.
Also, does the apple fall far from the tree…
Insurance companies are also going to inquire about your immediate family. If you have three brothers and they’ve all had a heart attack before age 50, insurance companies may want to ask you some additional questions about your “cardiac” health.
With that said…
Let’s actually take a look at some of the questions you’ll likely be asked during your application so you can see just how thorough an insurance company can be.
Common Questions found on an Insurance Application:
- Height and weight?
- Do you have any pre-existing medical conditions?
- Are you currently taking any prescription medications?
- Have you ever been diagnosed with cancer, heart disease, stroke or diabetes?
- Has any of your immediate family (mother, father, brother, sister) been diagnosed with cancer, heart disease, stroke or diabetes?
- Are you currently working now?
- In the past 12 months have you received or apply for any form of disability benefits?
- In the past 12 months have you used any tobacco or nicotine products?
- In the past 12 months have you used any marijuana products?
- Do you have any issues with your driving record such as multiple speeding tickets or DUI’s?
- Have you ever been convicted of a felony or misdemeanor?
- Have you declared bankruptcy within the past 2 years?
- In the next 2 years, do you have any plans to travel outside of the United States?
- In the next 2 years do you plan on participating in any dangerous activities or hobbies such as sky diving, bungie jumping, or rock climbing?
Now, what you’re going to find is that life insurance companies are going to use these types of questions to help determine if an applicant can qualify for life insurance, as well as, what “price” that insurance should cost.
The TermLife2Go difference…
We’re also going to ask many if not all of these same questions, only in addition to trying to determine eligibility and price, we’re also going to be simultaneously “comparing” dozens of different life insurance companies against one another.
For example, did you know that some insurance companies are automatically going to deny any applicant who:
- Has declared bankruptcy within the past 2 years.
- Admits or tests positive for marijuana use?
- Travels to certain areas in Mexico such as Tijuana or Juarez.
- Or participates in any of many different “Exotic” hobbies such as sky diving, scuba diving or rock climbing.
This is why it is so important to not only work with an agent who has the experience and expertise to handle even the most difficult cases, but also has the flexibility and freedom to be able to work with dozens of different life insurance companies so that we don’t have to employ a “One size fits all” approach!
So what are you waiting for? Give us a call today and see what we an do for you!
Lastly, we would encourage you to visit our Life Insurance Quotes page where you’ll be able to instantly compare life insurance quotes from companies that will require a medical exam vs companies that won’t require a medical simultaneously!
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.