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Life Insurance for Oxybutynin (Ditropan XL or Urotrol) Users!

Most of the time when we have a client ask us whether or not their Oxybutynin (Ditropan XL or Urotrol) prescription is going to affect the outcome of their application, it’s because they’ve already applied for a traditional term life insurance or whole life insurance policy with a different insurance brokerage and realized that they forgot to list their Oxybutynin prescription on their life insurance application!

And now…

These folks just want to make sure that they didn’t “mess” anything up and of course, it’s always easier to ask a “stranger” than it is to ask the person you applied for coverage with.

Which is why, we figured we’re write this brief article about Oxybutynin so that we might help “alleviate” any concerns some folks may have, and also make a simple suggestion to these folks before they end up “sitting” for their exam.

So, let’s cut to the chase…

“Will having a prescription for Oxybutynin affect the outcome of your life insurance application?”

It “probably won’t” after all, Oxybutynin isn’t a medication used to treat a life-threating medical condition, it’s simply used to treat symptoms associated with an overactive bladder such as:

  • Incontinence,
  • Frequent need to urinate,
  • And/or an increase need to urinate at night.

But it’s important…

To understand that just because your Oxybutynin prescription isn’t going to “mess” up your life insurance application, that doesn’t mean that there aren’t a whole list of other factors that could!

Factors such as your:

  • Height and weight,
  • Family medical history,
  • Driving record,
  • Choice of hobbies,

And travel history!

This is why…

It’s so important that before you decide to apply for life insurance with a particular insurance company, you ask yourself…

“Why am I applying for insurance with this company?”

Now for most people…

Price and reliability are going to be the two main factors in choosing “which” life insurance company that they decide to apply with.

And while…

It’s difficult to argue with this strategy, we here at TermLife2Go always suggest that our clients always “incorporate” one other consideration in their decision-making process which is…

“Understanding WHICH life insurance company is going to provide you with the best opportunity for success!”

You see…

Not all life insurance companies have the same underwriting rules and regulations.  Which means that it’s quite possible that the insurance company that is providing you with the “lowest” quote is nearly impossible to qualify for or is the completely “wrong” life insurance company for you!

Or it could be that…

The company that charges a dollar or two more a month isn’t going to require you to take a medical exam in order to be able to qualify for it?  And for many, having the ability to qualify for a no medical exam life insurance policy and be insured in less than 24 hours is worth a few buck each and every month!

And while our…

Goal here at TermLife2Go is to always help each and every one of our clients find the “best” and most affordable life insurance policy that one can qualify for, sometimes that means ignoring the “lowest” priced company simply because you have no chance at qualify for that price!

The Problem is…

That if you’re not working with an insurance brokerage that has access to dozens of different insurance companies and isn’t committed to helping their clients understand “why” a certain insurance company may be better than another for your particular situation, chances are your main “strategy” for getting the “best” possible life insurance policy for you and your family will be based largely on LUCK!

And we hate to say this, but HOPEING to get LUCKY isn’t a strategy, it’s an excuse for not pursuing all of your options.

The good news is…

That we here at TermLife2Go work with dozens of different life insurance companies and understand that our “best” clients are the ones that are interested in what the “process” of applying for life insurance will be like and are the same clients that are going to have a TON of questions for us.


As you’ll discover for yourself once you request a quote, we love to provide our clients with all of the same information that we “see”.  So, if you choose to give us a call and allow us an opportunity to earn your business, you’re going to be able to see all the “prices” that we see.

You’re also going to be able to ask us as many questions as you like so that when it finally come time to applying for a life insurance policy, not only will you be making the ultimate decision, you’ll also be fully aware of why you’re making that decision!

So, what are you waiting for?  Give us a call today or visit our Term 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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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.

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