Fantastic Tips for Finding Life Insurance Coverage While Taking Fluoxetine!

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For those who are currently having a difficult time getting approved for life insurance, you also may want to read the following articles which focus on difficult to place insurance policies: TermLife2Go’s Rockstar Insurance Companies Skip the Drama,  Best No Physical Exam Life Insurance Companies as well as our Top 10 Final Expense and Burial Life Insurance companies.

Really the only thing that we can say for sure when we have a client calls in that is currently taking Fluoxetine is that, their prescription will likely have an effect on their life insurance application.

Now what type of effect…

We really won’t know till we dive in a little deeper and learn more about exactly why you are taking your Fluoxetine.

About Fluoxetine:

Fluoxetine is a selective serotonin reuptake inhibitor (SSRI) antidepressant that is used to treat:

Now to know which insurance carrier will provide the best option for clients applying for life insurance while taking Fluoxetine, it’s important to understand the medical condition that is being treated.  For this reason, your agent should be familiar with what questions are going to be asked in underwriting so that they can direct the applicant to the right carrier.

Now while it’s clear that Fluoxetine treats a wide variety of conditions, the questions used to determine their severity will often times be quite similar.  For example, regardless of why your using Fluoxetine, you’ll likely be asked the following:

  • Why were your prescribed Fluoxetine?
  • At what age where you prescribed Fluoxetine?
  • How long have you been taking your prescribed Fluoxetine?
  • Who prescribed your Fluoxetine? Your primary care physician or a psychiatrist?
  • How often do you see your primary care physician who is treating you for this condition?
  • Have you ever been hospitalized for the condition you are treating?
  • Are you currently working now?
  • In the past 12 months have you received or apply for any type of disability benefits?
  • Do you have any history of drug of alcohol abuse?
  • Do you have any issue with your driver’s license such as a suspended license, multiple moving violations or a DUI?

As you can see, these questions focus on both medical and non-medical issues as a way to gain insight on the severity of the condition being treated.

For additional information…

We have taken the time to review each of the medical conditions that Fluoxetine treats for in separate articles which can be found by clicking on any of the links below:

The general takeaway should be…

Despite the fact that each of these conditions will be viewed differently by the insurance industry, the general takeaway should be that regardless of why you’re using Fluoxetine, it’s essential that you choose to work with an agency that is familiar with your condition, and has the available resources to help you find a great life insurance policy.

About TermLife2GO…

We here at TermLife2Go have chosen to remain an independent life insurance brokerage that is able to work with dozens of highly rated life insurance companies so that when we do have a “higher risk” or more “challenging” applicant, we’re going to have plenty of options to choose from so that we’re not just limited to those 2 or 3 companies everyone else seems to rely on.

Now don’t get us wrong, there will be those cases that simply can’t qualify for a traditional term or whole life insurance policies, but even for those “impossible” to place cases, we still like to have options for them to consider such as a “guaranteed issue” life insurance policy or even an accidental death policy.

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

One last thing before for you go!  We know that some of you may not be all that thrilled about speaking with a life insurance agent before you have a “general” idea about how much your life insurance is going to cost.  So, for folks like these, we’ve created a Term Life Insurance Quotes page when you have a chance since it will provide you with dozens of quotes instantly without having to speak to an agent first!

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.

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