For those who are currently having a difficult time getting approved for life insurance, you may want to read the following articles which focus on difficult to place insurance policies: 10 Best Life Insurance Companies, According to TermLife2Go, TermLife2GO’s Top 10 No Medical Life Insurance Companies as Best Final Expense Insurance companies.
According to Anxiety Disorders Association of America, nearly 15 million Americans, or about 6.7% of the U.S. population over the age of 18 will suffer from a bout of depression in a given year.
This is why it’s not surprising that we’ll often get a call from a client asking about what affect their Mirtazapine prescription will have on the outcome of their life insurance application.
About Mirtazapine (Remeron):
Mirtazapine (Remeron) is an antidepressant medication used to treat major depressive disorders by affecting chemicals in the brain that may have become unbalanced.
Major Depressive Disorder (MDD)
Major depressive disorder (MDD), more commonly known as simply “depression” is a mental disorder characterized by a least two weeks of low mood that is consistent throughout most if not all situations.
MDD is also often times accompanied by low self-esteem, loss of interest in normally enjoyable activities as well as having low energy and an increased sensitivity to pain.
Now having a prescription for Mirtazapine (Remeron)…
And subsequently having been diagnosed with major depressive disorder can play a significant role in determining your eligibility for life insurance and/or what you will end up paying for your life insurance should you be approved.
The deciding factor will ultimately come down to the severity and frequency that you experience your major depression disorder episodes. For this reason, those who have a history of using Mirtazapine to treat their depression should be prepared to answer some pretty common questions about their condition such as:
- How old were you when you were first diagnosed with depression?
- How many years have you been treating your depression?
- What other medications are you using besides Mirtazapine (Remeron) to treat your depressions?
- Has a root cause of your depression been determined? General depression vs Situational.
- How often do you suffer an “episode” of depression?
- Who originally prescribed your Mirtazapine (Remeron) A general practitioner or a psychiatrist?
- Have you ever been hospitalized for your depression?
- Have you ever suffered from suicidal ideation or attempted suicide?
- Do you have a history of drug or alcohol abuse?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
At this point with these answers in hand, the insurance companies will generally have a pretty good idea what types of life insurance policies you’ll be potentially eligible for in addition to whether or not they feel it will be necessary to go ahead and order medical records from your doctors before making any types of decisions about your life insurance application.
Here at TermLife2Go, we’ll also use these questions to try to determine your eligibility as well as try to determine which one of the many different life insurance companies that we represent might offer you the best opportunity for success.
Here at TermLife2Go, we’ve chosen to remain an independent insurance brokerage that is capable of working with dozens of highly rated life insurance companies. Which means that when we’re confronted with one of those more “challenging” cases, we don’t have to rely on just one or two different life insurance companies to get the job done, we can “shop” your application to dozens of different insurance companies, in an effort to get you the best possible deal out there!
So what are you waiting for? Give us a call today and see what we can do for you!
Tired of reading…
Ready for some actual numbers?
Perfect, just check out our Instant Life Insurance Quotes page where you’ll have access to quotes from dozens of different life insurance companies. Also be sure to compare rates for policies that will require you to take a medical exam vs those that won’t require you to take a medical exam.
You might be surprised by what you learn!