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Great Life Insurance Tips for Folks Using Focalin XR!

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You might also benefit from our article covering the Best Life Insurance Companies Today and the Best Life Insurance Without a Physical


Generally, what we have come to find when helping folks who are taking Focalin XR to treat their attention deficit hyperactivity disorder (ADHD) is that simply having a prescription for Focalin XR or being diagnosed with ADHD isn’t going to necessarily effect their life insurance application.

Now insurance companies will…

Take note of the prescription and ask a few questions to determine the severity of the condition, but assuming that your ADHD is well maintained, and not seriously affecting your general lifestyle, you really shouldn’t have an issue qualifying for some of the better life insurance rates out there (assuming you’re in good health).

Determining the severity of your ADHD.

In order for an insurance company to get a general idea about the severity of your condition, they’ll likely ask questions such as:

  • When were your first diagnosed with attention deficit hyperactivity disorder?
  • How long have you been treating your ADHD?
  • Is Focalin XR the only medication that your using to treat your ADHD?
  • Who originally diagnosed your condition, a general practitioner or a psychiatrist?
  • Have you ever been hospitalized for your condition?
  • Do you have a history of drug or alcohol abuse?
  • Do you have any issues with your driving record such as a suspended license, multiple moving violations or DUI?
  • Are you currently working now?
  • In the past 12 months, have you applied for or received any form of disability benefits?

Now it’s important to note…

That these questions will also be asked of a “typical” life insurance applicant as well, however, these questions will simply be more scrutinized for an applicant who has been previously diagnosed with ADHD.

What we typically recommend….

For well managed ADHD applicants who have no other pre-existing medical conditions and are in otherwise good health, we’ll typically recommend that our clients first look at applying for a “no medical” exam life insurance policy first because these clients will typically qualify for a Preferred or Preferred Plus rate without the need of taking a medical exam!

Which in addition to saving a client from being poked with a needle….

Applicants who choose to go the “no medical exam” route will also avoid the risk of having a medical exam uncover little things that could negatively affect a life insurance rate like:

  • Elevated blood pressure,
  • Elevated cholesterol levels,
  • Or Elevated blood sugar!

Totally confused?…. Don’t be!

Here at TermLife2Go, we operate as an independent life insurance brokerage that is able to work with dozens of highly rated life insurance companies so that when we have a client that comes to us with a pre-existing condition, like ADHD, we’re not going to be forced to simply look at one or two different insurance carriers.

For folks with a pre-existing medical condition that may make one or two different life insurance companies nervous, we’re simply able to move on to the next one and find a carrier that is right for you.

Now sure…

There will be those “impossible” to place cases where even with dozens of options to choose from, a traditional term or whole life insurance policy simply isn’t possible, but even for those cases, we here at TermLife2Go strive to offer additional products such a guaranteed issue life insurance policy or an accidental death policy that may still meet our client’s needs.

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

Lastly…

Since you’ve made it this far, we figured we’d direct you to our Free Online Life Insurance Quotes where you’ll be able to compare life insurance quotes from companies that will require you to first take a medical exam vs other companies that won’t require a medical exam at all!

So, give it a try, you could be surprised by what you learn!

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.