It’s important to understand that anytime you apply for a traditional term life insurance or whole life insurance policy that the insurance companies are going to be interested in whether or not you’ve ever been diagnosed with any pre-existing medical conditions.
And one of the easiest…
Ways to determine if you have is first ask you, “Have you ever been diagnosed with any pre-existing medical conditions?” the second way to figure out if you’ve been diagnosed with any pre-existing medical conditions is to order a “prescription database check”.
And it’s during that…
Prescription database check that most life insurance companies will first discover that you’ve been prescribed Diclofenac or one of the common band names that it goes by such as Voltaren, Cambia, Solaraze, Zipsor, Pennsaid, Flector, Dyloject, DermacinRx Lexitral, Sure Result DDS Premium Pack, Xenaflamm and more!
Just because you’ve been prescribed Dicolofenac, you don’t need to freak out or worry that you’re no longer going to be able to qualify for a traditional life insurance policy. You’re also not going to immediately assume that you’re no longer going to be able to qualify for a Preferred rate.
All you’re really…
Going to need to do is understand that “because” you are taking a medication that “could” potentially affect the outcome of your life insurance application, you’re now going to want to be more “selective” about which insurance company that you choose to apply with. This is because just like no two clients are the same, no two life insurance companies are going to be the same either!
While most life insurance companies are going to “agree” about certain pre-existing medical conditions such as live failure, kidney failure, testing HIV positive, etc… Some conditions which have more variable symptoms and prognosis’ will be treated differently by different insurance companies.
Diclofenac is a prescription nonsteroidal anti-inflammatory medication that is used treat pain, migraines, and arthritis in its oral form. Diclofenac can also be used as a topical cream to help treat those suffering from actinic keratoses.
So whatcha got?
Now the good news is that Diclofenac isn’t going to be prescribed to treat any “life threatening” medical conditions, so simply being prescribed Diclofenac shouldn’t raise an “red flags” that could cause you to be immediately denied coverage.
That said however…
Have been diagnosed with pain, migraines and/or arthritis, could potentially affect the outcome of your life insurance application and could prevent you from being able to qualify for a preferred rate. This is why, the insurance companies are going to want to know a little bit more about “why” you’ve been prescribed Diclofenac and how affective Diclofenac is managing your symptoms.
Common questions you’ll like be asked about your Diclofenac use may include:
- Why have you been prescribed Diclofenac?
- How long have you been taking Diclofenac?
- Are you using any other prescription medications to treat the same condition Diclofenac is being used for?
- Have you ever been hospitalized due to your condition?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
Questions like these along with traditional questions such as:
- How old are you?
- What is your current height and weight?
- In the past 12 months have you used any tobacco or nicotine products?
- Do you have any issues with your driver’s license?
- Have you ever been diagnosed with cancer, heart disease, stroke or diabetes?
- Has any of your immediate family members ever been diagnose with cancer, heart disease, stroke or diabetes?
- Do you actively participate in any dangerous hobbies?
- Do you have any set plans to travel outside of out United States? Are you planning on visiting Syria, Iraq, North Korea, etc…
- Have you ever been convicted of a felony or misdemeanor?
Now as you can see…
There are going to be a lot of factors that are going to come into play when determining what “type” of life insurance policy you may be able to qualify for:
- Traditionally fully underwritten term and whole life insurance (policies that will require you to take a medical exam).
- Simplified issue or no medical exam life insurance policies
- And guaranteed acceptance life insurance
As well as what “Rate” you may be able to qualify for as well.
The good news is…
That here at TermLife2Go in addition to offering all three of these “types” of life insurance policies, we also offer them from dozens of different life insurance companies. Which means that rather than simply have to “rely” on just one or two different options, we here at TermLife2Go can help you simultaneously “shop” dozens of different life insurance companies in an effort to help you find the “best” life insurance policy that you can qualify for.
Now will there be some folks that we simply can’t help?
Sure, there will. But that doesn’t mean that we’re not going to try our hardest regardless of what pre-existing medical condition that you may have or what “budget” restriction you may need to adhere to!
So, what are you waiting for? Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!
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.
Leave a Comment