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Life Insurance Approvals for Mesalamine Users!

Mesalamine, is one of those medications that can be “sold” under a whole “bunch” of different brand names.

Brand names such as:

  • Canasa,
  • Apriso,
  • Lialda,
  • Pentasa,
  • Asacol HD,
  • sfRowasa
  • and Delzicol.


Which can seem…

To “complicate” things a bit but the truth is, once we’ve determined the actual name of the medication that you are taking and have figured out why you’re taking it, what we’re “generally” going to find that it’s use isn’t going to play a HUGE role in the outcome of your life insurance application.

This is because…

Mesalamine, and all the different “brand” names that it can be sold under is basically an anti-inflammatory medication that is used to prevent “flare-ups” that can occur in patients suffering from either ulcerative colitis and/or Crohn’s disease.

And while…

Neither of these conditions are particularly “fun” to be diagnosed with, they typically not considered a “life-threatening” pre-existing medical condition which, at the end of the day, is really all a life insurance underwriter is worried about when it comes to what “type” of prescription medications that you may be taking.

Therefore…

If you’ve been prescribed Mesalamine to treat your ulcerative colitis or Chron’s disease you should still “theoretically” be able to qualify for a traditional term life insurance or whole life insurance policy, provided that you’re in good health otherwise.

In fact…

You may even be able to qualify for a Preferred rate which may also make you eligible for a simplified issue or no medical exam life insurance policy as well.

That said however…

It’s important to understand that life insurance companies are going to be interested in more than just what medications you’re currently taking.  They’re also going to be interested in things like:

  • Your current height and weight ratio?
  • What other pre-existing medical condition you may have been diagnosed with?
  • Has any of your immediate family members ever been diagnosed with cancer, heart disease, stroke or diabetes?
  • Do you have any issues with your driving record? Such as a suspended license, multiple moving violations or a DUI?
  • In the past 12 months have you used any tobacco or nicotine products?
  • Have you ever been convicted of a felony or misdemeanor?
  • In the past 12 months have you used any form of marijuana?
  • Do you have any set plans to travel outside of the United States in the next 2 years? Are you planning to travel to any dangerous locations such as North Korea, Iran or Syria?
  • Do you actively participate in any dangerous or hazardous hobbies such as sky diving, rock climbing or bungee jumping?
  • Are you currently working now?
  • In the past 12 months have you applied for or received any form of disability benefits?

Now as you can see…

The insurance companies are going to be interested in a wide variety of factors, some of which will be related to your current health status, while others will be more related to “life-style choices”.

The good news is…

That not all life insurance companies will use the same rules and guidelines when considering who they will and won’t insure and at what price.  Which means that even if you find yourself answer “yes” to several of the above for mentioned questions, chances are you still may be able to qualify for a traditional term or whole life insurance policy at a great rate!

That is of course…

If you “choose” to apply with the right life insurance company.  And this is where TermLife2Go comes into play.  You see, here at TermLife2Go, we have chosen to remain an independent life insurance brokerage that is able to work with dozens of highly rated life insurance companies so that we don’t need to rely on just one or two different options when it comes time to helping you find the “best” life insurance policy that you can qualify for.

Instead…

We can simultaneously “shop” dozens of different life insurance companies at once and make them “compete” for your business!

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.

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About TermLife2Go

Our licensed professionals have over two decades worth of experience and will help you choose the best life insurance company for the lowest price based on your specific needs and lifestyle. Find out more about us here.