Now at first thought, one might think that a prescription for Lunesta certainly wouldn’t have any effect on one’s life insurance application, after all, Lunesta is simply used to treat insomnia, and it’s not like insomnia is some type of “life threatening” disease, right?
And while we’ll agree…
That insomnia isn’t a life threatening disease… and insomnia isn’t a condition that will generally worry an insurance companies underwriting department, having a prescription for Lunesta could.
So what’s the problem?
For the vast majority of folks who use Lunesta to treat their insomnia, there isn’t going to be an “problem”. But there is unfortunately for some, an “inherent” risk for abuse, which does cause concern for the life insurance industry.
Is a sedative-hypnotic prescription medication that is commonly used to treat sleep disorders, and unfortunately, due to its sedative qualities, it can on occasion be misused.
This potential for misuse is what will concern most life insurance companies which is why Lunesta users will often be asked questions about their use prior to an insurance company determining whether or not its use needs to be considered during the application process.
So should an insurance company be worried about your usage?
That’s the “million dollar” question, and to answer that, insurance companies will generally ask you a series of questions to determine if you may potentially be abusing or could potentially abuse your prescription later on.
Questions you’ll likely encounter regarding your Lunesta use:
- When were you first prescribed Lunesta?
- How long have you been taking Lunesta?
- Who prescribed your Lunesta, your general practitioner or a psychiatrist?
- Is Lunesta the only prescription medication that your using?
- Has Lunesta been the only prescription that you’ve used to treat your insomnia?
- Has your Lunesta prescription changed over time? Become stronger?
- How often do you have your prescription refilled?
- Do you have a history of drug or alcohol abuse?
- Do you have any issues with your driver’s license, such as a suspended license, multiple moving violations or DUI?
- A you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
From there, the insurance companies will generally have a pretty good idea if they need to learn more about your Lunesta prescription or if they can simply consider your use a “typical” case and move on to other factors that may or may not affect the outcome of your life insurance application.
It’s also important to note…
That in general, life insurance usually isn’t all all or nothing type deal. Which means that even if there may be one or two things that may “alarm” an insurance company about your Lunesta use, it doesn’t necessarily mean that they simply won’t insure you, it may just mean that they might want to learn more about your medical history, or they may just not offer you a Preferred rate!
In either case…
What you’ll generally find is that it’s never going to hurt to have options. This is why we here at TermLife2Go have chosen to remain an independent life insurance brokerage that is able to work with dozens of highly rated life insurance companies.
Having this flexibility and freedom, to pick and choose between dozens of different life insurance companies not only makes our lives easier, it also helps set us apart from the completion in both service and selection!
So what are you waiting for? Give us a call today and see what we can do for you!
Still not ready to give us a call?
No problem, you don’t need to if all you want to do is “run” a generic quote. To do that, all you need to do is check our Compare Medical Exam Required and No Medical Exam Life Insurance Quotes page.
Now these are real quotes, we’re just not sure you’ll be able to qualify for the rate that you selected. To do that, we’ll need to speak with you first. Good luck!