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Great Life Insurance Rates for Evista Users!

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You may also want to read our articles covering Who offers the best life insurance? and What companies offer no medical exam term life insurance?


Whenever we have a client give us a call who is currently taking Evista to treat his or her osteoporosis, we’ll generally need to know more about the severity of the condition prior to being able to make any accurate predictions about how it will affect your life insurance application.

You see…

Most well controlled patients will generally earn what is called a “standard” or normal rate when applying for life insurance assuming that your symptoms fall on the “mild” side of the spectrum and that you aren’t suffering from any debilitating issues as a result of your osteoporosis.

Common questions a life insurance company will use in order to determine the severity of your condition will likely include:

  • What type of osteoporosis do you have? The most common type of osteoporosis, which is typically referred to as primary type 1 and is scene in postmenopausal women?  Or have you been diagnosed with primary type 2 osteoporosis or senile osteoporosis which generally occurs after the age of 75 and is seen in both male and female patients?
  • At what age were you diagnosed?
  • How long have you been treating your osteoporosis?
  • Do you have any difficulty walking?
  • Have you suffered from any falls within the past 12 months?
  • Have you been hospitalized as a result of your osteoporosis with in the past 12 months?
  • Are you currently working now?
  • In the past 12 months have you applied for or received any form of disability benefits?

From there, insurance companies will generally begin to get a pretty accurate idea of what types of life insurance policies you may or may not qualify for.

Additionally, it should be noted that…

Since primary type 2 or senile osteoporosis is often the result of a chronic predisposing medical condition and/or prolonged use of medications such as glucocorticoid steroids, if there are other pre-existing conditions that may have caused or exacerbated your current osteoporosis symptoms, those conditions will also need to be accounted for during the application process.

Lastly…

We want to point out that up until now, we’ve only been discussing what it will take to qualify for a fully underwritten term or whole life insurance policy.  These types of policies are commonly what people look for when seeing $100,000 dollars or more in life insurance coverage.

Which means that…

It’s entirely possible that if you’re not looking for this much coverage, pretty much everything that we’ve discussed to this point is completely “moot” since you might be much better off seeking a life insurance policy that won’t require a medical exam or ask any medical related questions!

This is why…

It’s so important to have a clear concept of what you’re looking to achieve by buying life insurance as well as, choosing to work with a company that is going to have dozens of different options for you.  After all, not everyone is looking for a million dollar life insurance policy or finding coverage that will protect school age children.

Some folks just want enough life insurance to cover final expenses and maybe a burial!

About TermLife2Go.

We here at TermLife2Go work as an independent life insurance brokerage that is able to work with dozens of different life insurance companies so that as you go through the application process with us you’re able to compare the rates and benefits of dozens of companies!

Which means, that when the dust settles, you should have multiple options to choose from and hopefully we’ll have a good fit for you!

So what are you waiting for?  Give us a call today and see what we can do for you!

One last thing that we would like to suggest to anyone who is serious considering applying for a life insurance policy soon, and that is… visit our Life Insurance Quotes page where you’ll be able to instantly compare life insurance quotes from companies.  On this page, you’ll find that we’ve separated the quote engines so that you can compare rates from policies that will require a medical exam and those that won’t!

TermLife2Go Mission

To empower our customers through knowledge and expertise so our clients secure the best and most appropriate insurance coverage available providing peace of mind to our clients and their loved ones.

About TermLife2Go

Our licensed professionals have over two decades worth of experience and will help you choose the best life insurance company for the lowest price based on your specific needs and lifestyle. Find out more about us here.