Whenever we here at TermLife2Go encounter an individual that has been prescribed or is currently taking Hydroxyzine it’s important not to make any immediate assumptions about how its use will or won’t affect the outcome of a traditional term life insurance or whole life insurance policy.
This is because…
Hydroxyzine can be used to treat a wide variety of pre-existing medical conditions. Some of which are not likely to play any type of significant role in the outcome of your life insurance application where other could and could even cause your life insurance application to be postponed for a period of time.
For this reason…
It only makes sense to examine what it is about Hydroxyzine that can make an insurance underwriter nervous and discuss how we here at TermLife2Go can help you avoid any “unexpected” difficulties when applying for coverage.
Hydroxyzine is a prescription antihistamine that is commonly used to treat “itching” caused by allergies. Histamine is a compound that is release naturally by the cells in response to an injury or when exposed to an allergen. Individuals who require Hydroxyzine are those who usually experience a “heightened” response or overproduction of histamine which is why taking an antihistamine can be so usefully and relieving!
The problem is…
Hydroxyzine can also be used to help treat individual suffering from short term anxiety and or experiencing difficulty falling asleep (sleep disorders). And while neither of these situations are considered “life threatening”, insurance companies will want to learn a little bit more about them prior to approving one’s life insurance application.
With that said…
Let’s just take a moment or two and discuss some of the kinds of questions you’ll likely be asked by an insurance company so that they can get a better understanding of why you’ve been prescribed Hydroxyzine.
Common questions you’ll likely be asked:
- Why have you been prescribed Hydroxyzine?
- How long have you been taking it?
- Are you taking any other prescription medications?
- Have you ever been hospitalized due to the condition which is requiring you to take Hydroxyzine?
- If you are taking Hydroxyzine to treat for anxiety:
- Who prescribed your Hydroxyzine? Your primary care physician or a psychiatrist?
- Are you taking any other medications to treat your anxiety?
- What “kind” of anxiety have you been diagnosed with? Situational, or severe?
- Are you currently taking Hydroxyzine now?
- If you are taking Hydroxyzine to treat for insomnia or a sleep disorder:
- Are you taking any other medications to treat your sleep disorder?
- Are you suffering from any accompanying anxiety symptoms?
- Are you currently taking Hydroxyzine now?
Insurance companies will be interested in knowing if you’re actually working now or if you’ve recently applied for some type of disability benefits as this is provide them with additional information about the severity of your pre-existing medical condition.
Now the good news…
Is that regardless of why your taking Hydroxyzine, there is still a really good chance that you will be able to qualify for a traditional term or whole life insurance policy provided that you would otherwise be eligible. In fact, you may even be able to qualify for a Preferred rate!
This is also why…
Before you decide to “apply” of coverage, you should be sure to examine all of your options and possibly “consider” applying for a no medical exam life insurance policy as well. No medical exam life insurance policies will allow you to purchase a term or whole life insurance policy without having to take a medical exam and can shorten the application process time from several weeks to just a few hours or days!
They are also…
Just one of many different types of life insurance policies that we offer here at TermLife2Go. You see here at TermLife2Go, we operate as an independent life insurance brokerage that is able to work with dozens of different life insurance companies so when it comes time to helping our clients find the “best” life insurance policies that they can qualify for, we don’t have to rely on just one or two different options!
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!
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.