After enjoying this article you may also be interested in reading our Top 10 Best Life Insurance Companies, Our Best No Medical Exam Life Insurance Policies and visit our online Life Insurance Quoter that compares both Medical and No Medical exam life insurance options.
Due to how common it is for Remicade to be prescribed in the United States today, it comes a no surprise to us that we’ll frequently have folks asking if its use will negatively affect one’s life insurance application.
The problem for us is…
That because Remicade is used to treat such a wide variety of conditions, it’s nearly impossible to know what “type” of affect its use will have on your life insurance application until we learn more.
Remicade (infliximab) is a tumor necrosis factor (TNF) inhibitor, a monoclonal antibody against tumor necrosis factor alpha (TNF-α), that is frequently prescribed for the treatment of several autoimmune inflammatory diseases, including:
- rheumatoid arthritis,
- chronic plaque psoriasis,
- psoriatic arthritis,
- Crohn’s disease,
- and ankylosing spondylitis.
So the obvious question then becomes, whatcha Got?
As you can see, Remicade can really be used to treat a wide variety of conditions which is why it’s so difficult to know for sure just what affect taking Remicade will have on your life insurance application.
Now rather than…
Examine each of these conditions separately which would be beyond the scope of this article, let’s just briefly take a look at how most life insurance companies are going to evaluate someone’s application that has Remicade on it.
Insurance companies are certainly going to be interested in why you’ve been prescribed Enbrel, but more importantly, they’re going to want to know how severe the condition is that your treating. To determine this, insurance companies are generally going to ask you a series of questions that will probably sound something like this:
- Why have you been prescribed Remicade?
- How old where you when you were first prescribed Remicade?
- How long have you been taking Remicade?
- Are you taking any other prescription medications other than Remicade?
- Over the past 12 months has you Remicade prescription changed at all?
- Are you currently working now?
- In the past 12 months have you applied for or received any forms of disability benefits?
From here, the insurance companies will generally have a pretty good idea about what “type” of life insurance policies that you’ll be eligible for as well as what rate class you may or may not be eligible for.
At this point, the insurance companies may also know whether or not they may need to receive copies of your medical records from your doctors prior to being able to make a decision about your life insurance policy. This of course would only be the case if you’ve chosen to apply for a fully underwritten term or whole life insurance policy that would require a medical exam.
Now the good news is that…
Even if you think you may not be an “ideal” candidate for life insurance, because there are so many qualify life insurance companies out there, even the most “challenging” cases will often be surprised by what they can in fact qualify for.
This is why…
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. We do this so that we can have plenty of options to choose from when it comes time to helping our clients find the “best” life insurance policy that they can qualify for.
So what are you waiting for? Give us a call today and see what we can do for you!
Are you ready to take a look at some actual rate quotes? If so, just visit our page Life Insurance Policy Quotes where you’ll be able to compare different life insurance companies against one another as well as be able to choose between no medical exam policies and traditional (exam required) life insurance policies.