Now some may ask, “why would you ever write an article about whether or not Glycolax will affect someone’s life insurance application?” After all, Glycolax is simply a laxative used to treat occasional constipation and/or irregular bowl movements.
But here’s the thing…
Insurance companies aren’t going to be necessarily worried about where or not someone is constipated, but they certainly will be worried if that “constipation” is a symptom of some other condition, especially if related to the prescription use of an opioid pain medication.
So whatcha got?
Do you just occasionally get a little “backed up” or do you have some other type of pre-existing medical condition that is the reason why you’ve been prescribed Glycolax? To determine the answer to this question, insurance companies are going to ask you a list of “medically” related questions to determine whether or not your Glycolax prescription should be something that “they” need to worry about.
Common “medically” related life insurance application questions.
- What is your current height and weight?
- In the past 12 months have you experienced any weight gain or loss over 10 lbs?
- Have you ever been diagnosed with any pre-existing medical conditions?
- Have you ever been diagnosed with cancer, heart disease, stroke or diabetes?
- Has any of your immediate family members: mother, father, brother or sister, ever been diagnosed with cancer, heart disease, stroke or diabetes?
- Are you taking any additional prescription medications other than Glycolax?
- In the past 12 months have you used any non-prescribed or illegal narcotics?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
From there, the insurance companies and us here at TermLife2Go are going to be able to get a pretty good idea of what your current health is like and whether or not your Glycolax prescription will play a role in your life insurance application.
If it turns out you do have some type of pre-existing condition that has led to you being prescribed Glycolax, well fine, let’s learn a little bit more about “that” condition and go from there!
It turns out that your Glycolax is simply being used to treat “normal” non-serious constipation, what you’re going to find is that most insurance companies aren’t going to penalize you for your Glycolax prescription.
Which is why…
We here at TermLife2Go will typically recommend going with a non-medical term life insurance policy first, because these clients will typically qualify for a Preferred or Preferred Plus rate without needing to take an medical exam. These clients will also be able to lock down a great premium within 24 hours of applying. Applicants who choose to go this route also avoid the risk of having a medical exam uncover little things that could negatively affect an insurance rate like elevated:
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. Which means that when it comes time to finding our clients the best life insurance policy out there, we don’t need to rely on just one or two options, instead, we make the insurance companies compete for your business!
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!
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.