We’ll often receive calls from folks who are currently having a difficult time finding a great life insurance policy simply because they’ve been prescribed Mirapex (pramipexole).
And while we would love to say that we’re going to be able to help them out immediately, due to the fact that Mirapex is actually used to treat a couple of different medical conditions, we’ll really need to learn more about why your taking Mirapex before we can make any definitive conclusions.
Mirapex (pramipexole) is a prescription medication that is used to treat both Parkinson’s disease and Restless Leg Syndrome (RSL), by mimicking the effect of dopamine which occurs naturally in the body.
So when it comes time to determining how your Mirapex prescription is going to affect your life insurance application, the first factor will be why are you using your Mirapex?
So Whatcha Got?
One of the first things an insurance company is going to want to determine is, why have you been prescribed your Mirapex and how severe is the condition that it is treating. To do this, insurance companies are going to ask you a series of questions that will look something like this:
- Why have you been prescribed Mirapex?
- How old were you when you were first prescribed Mirapex?
- How long have you been taking your Mirapex?
- Over the past 12 months, has your Mirapex prescription changed at all?
- Have you been diagnosed with any other pre-existing medical conditions?
- Are you taking any other prescription medications?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
From here, you’ll generally find that the insurance company will have a pretty good idea about the “general” severity of your condition which will allow them to begin narrowing down their questions to ones that may be more specific to the condition being treated.
Parkinson’s disease is a medical condition that is defined as a progressive disease of the nervous system that is marked by tremors, muscular rigidity and slow imprecise movements. The root cause is believed to be associated with the degeneration of the basal ganglia of the brain and a deficiency in dopamine levels found in the body.
For those suffering from Parkinson’s disease, you’ll likely find that you will still be eligible for life insurance at a “Table rating” provided that the progression of the disease has halted or slowed significantly.
In general, applicants who have been diagnosed should expect that a complete review of their medical records will be required, and that you may benefit greatly by having your agent “shop” your application to sever different companies prior to “officially” applying for life insurance.
Restless Leg Syndrome.
Restless leg syndrome is defined as a disorder characterized by an unpleasant tickling and/or twitching sensation in the leg muscles while sitting or lying down. This uncomfortable feeling is only relieved by moving the legs.
Now is restless leg syndrome going to kill you, NO. But experience has shown us that suffering from restless leg syndrome can lead to other conditions which can negatively affect one’s life insurance application.
A recent client had a history of restless leg syndrome. As a result, they suffered from various mood disorders, including depression. They had trouble going about their normal daily activities due to the depression, which was the result of many nights of little to no sleep. As a result, the life insurance carrier came back with a substandard rate class.
Now we shouldn’t necessarily use this example to describe a typical case, but it’s important to note that even the most mild cases of restless leg syndrome can lead to some unexpected consequences!
The Good News is…
That because we here at TermLife2Go work with dozens of different life insurance companies, we don’t have to rely on what one or two different life insurance companies decide. Instead, we’re able to compare the rates of multiple insurance companies both before and after you apply for life insurance so that when you ultimately decide to accept your policy, you’ll be sure you’re getting a great deal!
So what are you waiting for? Give us a call today and see what we can do for you!
So… for all those folks out there who are saying to themselves…
“Thanks for the information, but I still don’t know what it’s going to cost to purchase a life insurance policy for me and my family!”
All you need to do now is visit our Whole Life Insurance Quotes page where you’ll have access to quotes from dozens of different life insurance companies. You’ll even be able to specify whether or not you’d only like to receive quotes from companies that won’t require you to take a medical exam!
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.