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 All-Star Life Insurance Companies, Avoid the Needle! Best No Medical Life Insurance Companies as well as our Just Enough Burial Life Insurance to Bury Me Please!
The first thing that a client needs to understand when it comes to finding life insurance coverage while taking Imitrex Oral to treat their migraine headaches is that, insurance companies are going to be primarily focused on the severity of your condition, rather than the actual diagnosis.
Or in other words…
Having been diagnosed with having migraines isn’t the problem. The problem is if you’ve been able to qualify for disability benefits due to your migraines or that you actually need to be hospitalized two or three times a year due to your condition.
Which is why when it comes to applying for life insurance with migraines will be..
The “severity” of these migraines and the extent to which these migraines are interfering with a client’s lifestyle.
About Imitrex Oral:
Imitrex Oral (sumatriptan) is a prescription medication used to treat migraine headaches by narrowing blood vessels around the brain. Imitrex Oral also reduces substances in the body that can trigger headache pain, nausea, sensitivity too light and sound as well as other migraine symptoms.
Imitrex Oral will only treat a headache that has already begun and will not work to prevent or reduce the number of attacks.
Concerns that insurance companies will have…
Now, we don’t want to get into a theoretical discuss about whether or not it’s appropriate for some life insurance companies to actually penalize someone for suffering from migraine headaches.
So… we’ll just jump ahead to the fact that insurance companies will want to learn more about the severity of your migraines before they will be willing to offer you coverage.
Questions insurance companies will likely as:
- How old where you when you had your first migraine?
- How long have you been living with migraines?
- How often do you suffer from a migraine?
- Is Imitrex Oral the only medication that your using to treat your migraines?
- Are you taking any other additional prescription medications?
- In the past 12 months have you used any marijuana products?
- Have you ever need to be hospitalized or visit the emergency room due to a migraine attack?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability benefits?
Now with the answers to these questions in hand, the insurance company as well as us here at TermLife2Go should have a pretty good idea about how “serious” your migraines are, and how “significant” a role they will pay in your life insurance application.
For those with relatively mild migraines…
What you’ll generally find is that most insurance companies should still be willing to offer Preferred rates or better.
For those with more serious migraines…
What you’ll generally find is that insurance companies will usually want to order medical records from your primary care physician prior to making any type of underwriting decision.
Additionally, one major cause for concern for most life insurance companies is if you are currently receiving disability benefits for your migraines. If this is the case, you may want to consider looking at some alternative “guaranteed issue” life insurance policies that won’t require you to answer any medical questions or actually take a medical exam.
Main take away…
The main point that we would like to make with this article is that if you do suffer from migraines, you’re really going to want to work with a life insurance brokerage that has many different options to choose from.
This way if suddenly you encounter an insurance company that either wants to “rate” your condition more serious than it actually is or, simply isn’t interested in offering your coverage at all, you’ll have additional options to choose from without simply having to give us.
Here at TermLife2Go, we work as an independent life insurance brokerage capable of working with dozens of highly rated life insurance companies so that when it comes time to finding coverage for those more “difficult” cases, we know just where to look!
So what are you waiting for? Give us a call today and see what we can do for you!
Now before we let you go…
Let us be the first to acknowledge that in the article we haven’t really talked about what it’s going to cost you to purchase your life insurance! And this is mainly because we have no idea what it’s going to cost until we learn a little bit more about you.
However, if you would like to get a “rough” idea about what your insurance might cost, feel free to check out our Life Insurance Quotes page where you can pull up actual quotes instantly simply by selecting what “rate” class you feel you might be able to qualify for.