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Life Insurance for Testosterone Users!

According to a recent 2013 New York Times article, men’s use of testosterone seems to be on the rise and from what we’ve experienced here at TermLife2Go, we believe them!

So, it comes as…

No surprise to us that as more and more men begin using testosterone treatments to help supplement their natural testosterone levels that we start to receive more and more questions from these same folks wondering if their testosterone prescription is going to affect the outcome of their life insurance application.

Now, the good news is that…

Provided that your testosterone prescription is simply being used to help “boost” one’s natural testosterone levels to what would be considered a “normal” level, most life insurance companies are not going to be “too” concerned about its usage.

That said however…

If there is any indication that you’re using testosterone treatments for some type of “nefarious” purpose, it’s possible that an insurance company could penalize you for its use and could potentially deny your life insurance application.

Now what do we mean by nefarious purpose?

That’s simple, by nefarious, we mean that you’re using your testosterone for some other purpose other than what it is intended for.

Testosterone Treatments.

As men age, it is completely natural for their testosterone levels to decrease.  It’s also completely natural for these same individuals to experience little or no symptoms as a result.

That said however, some individuals may experience an “abnormally” low level of testosterone or may begin to experience “symptoms” associated with a slight or moderate decrease in their testosterone levels.  For these individuals, it may make sense for their doctor recommend prescribing testosterone in an effort to balance out the normal effects of aging.

Symptoms associated with declining testosterone levels may include:

  • Erectile dysfunction or low sex drive,
  • Fatigue or low energy,
  • Decrease in muscle mass,
  • Body and facial hair loss,
  • Depression and irritability,
  • And difficulty concentrating.

Doctor approved prescription usage will “typically” not include using testosterone to become a “giant” of a man or for “body building” purposes.

Which is why…

When an insurance company learns that someone has been prescribed testosterone therapy, they’ll typically cross reference this with their current body mass index so that they can be sure that there is no potential “abuse” of the prescription.

Because it’s important to…

Understand that like most things in life, when used appropriately, testosterone therapy can be very helpful and beneficial, but when abused, it can also produce some harmful results.

So, let’s just assume…

That your prescription is being used properly.  Will it affect the outcome of your life insurance application?  Probably not, in fact, it may actually improve your chances at being able to qualify for a Preferred rate.

You see…

If you’re currently suffering from of the conditions that that results from having low testosterone levels including:

  • Erectile dysfunction or low sex drive,
  • Fatigue or low energy,
  • Decrease in muscle mass,
  • Body and facial hair loss,
  • Depression and irritability,
  • And difficulty concentrating.

Chances are, you’re not probably not going to qualify for a Preferred rate when it comes to applying for a traditional term life insurance or whole life insurance policy.

However…

If you’ve been prescribed testosterone in the past and your testosterone levels are normal now, chance are, you’re probably feeling a whole lot better than you were when your levels were below normal which should be reflected when applying for coverage.

But that does not mean…

That you’re automatically going to be able to qualify for a Preferred rate, it just means that your testosterone prescription isn’t going to keep you from being able to.

Other factors such as:

  • Your height and weight,
  • Your family medical history,
  • Your diving record,
  • Have you been diagnosed with any other pre-existing medical conditions?
  • Do you participate in any dangerous hobbies?
  • Have you ever been convicted of a felony or misdemeanor?
  • Are you currently working?
  • In the past 12 months have you applied for or received any form of disability benefits?
  • Etc, etc…

All these and many other factors will come into play when determining what “type” of life insurance policy you may or may not be able to qualify for as well as what “rate” you may be expected to pay.

The good news…

Is that here at TermLife2Go, we offer a wide variety of:

Which means that when it comes time to deciding “which” type of life insurance policy is going to be the “best” for you, you should have a “ton” of options to choose from!

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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