Kapidex is one of the medications that is used to treat a wide variety of conditions, which is why, it’s so tough to tell, at least in the beginning, if its use will actually play a contributing factor in the outcome of your life insurance application.
So, whatcha got?
Knowing why you’ve been prescribed Kapidex is going to be the main determinant on whether or not its prescription use is going to affect your life insurance application.
So with that said, let’s just briefly take a look at the different conditions that Kapidex can be used for and briefly discuss how they may affect your life insurance application.
Now contrary to how it may feel sometimes, heartburn isn’t going to kill you. It’s also not going to be an issue during a life insurance application. Which means that provided that you meet all the other necessary requirements, those using Kapidex to treat common heartburn symptoms should still be eligible for a Preferred or Preferred Plus rate on their life insurance.
Gastroesophageal Reflux Disease (GERD):
Gastroesophageal reflux disease (GERD) is basically a condition where one’s heartburn becomes more of a chronic condition rather than an occasional occurrence. It’s defined as a condition whereby stomach acid or occasionally stomach content, flows back into one’s esophagus. This “backwash” or reflux causes irritation to the lining of the esophagus and when constant will ultimately lead to the condition referred to as GERD.
Now, assuming that one is treating their GERD, and that they haven’t done significant damage to the interior lining of their esophagus, most life insurance companies will still view those using Kapidex for GERD as potentially eligible for a Preferred rate.
An ulcer is basically defined as an open sore, that can basically occur in multiple areas of the digestive tract. How an ulcer will ultimately affect one’s life insurance application will generally be determined by how well it is being managed. Questions such as:
- At what age where you first diagnosed with an ulcer?
- How long have you been treating your ulcer?
- What led to you being diagnosed with your ulcer?
- Where is your ulcer located?
- Have you been hospitalized as a result of your ulcer?
- Are you experiencing any bleeding from your ulcer?
Questions like these in addition to a likely review of your medical records will generally give the insurance companies enough information to make an informed decision about your life insurance application and could lead to you being approved at a Preferred rate all the way to you being denied or postponed insurance depending the severity of your condition.
Zollinger-Ellison syndrome is a rare medical condition which is caused by a tumor located in either the pancreas or upper part of the small intestine which causes the over production of gastric acid resulting in recurrent peptic ulcers.
Unfortunately for folks that have been diagnosed with Zollinger-Ellison syndrome, to the best of our knowledge, there aren’t any traditional term or whole life insurance policies that will accept them (things change all the time, but as of 8/30/2016 TermLife2Go is unaware of any traditional fully underwritten policies that will accept those with Zollinger-Ellison syndrome).
We do however have a ton of different “guaranteed issue” life insurance policies that may perhaps -be an acceptable alternative for these folks. For more information, feel free to give us a call.
Now as you can see, there really isn’t a simple answer to the question of whether or not your Kapidex is going to affect your life insurance application.
The good news is that…
If you choose to apply for life insurance with TermLife2Go, you’re going to receive the added benefit of being able to shop dozens of different life insurance companies simultaneously so that when it comes time to applying for coverage, you’ll know you’re making the right decision.
So what are you waiting for? Give us a call today and see what we can do for you!
Tired of reading…
Ready for some actual numbers?
Perfect, just check out our Instant Life Insurance Quotes page where you’ll have access to quotes from dozens of different life insurance companies. Also be sure to compare rates for policies that will require you to take a medical exam vs those that won’t require you to take a medical exam.
You might be surprised by what you learn!