For those who are currently having a difficult time getting approved for life insurance, you may also want to read the following articles which focus on difficult to place insurance policies: 10 Great Final Expense Insurance companies and Our 10 Best No Medical Exam Life Insurance Companies
Any time we’re asked by a client whether or not their prescription for Morphine will affect their life insurance application, we always get a bit nervous. You see, because Morphine is such a powerful narcotic and potentially addicting, in general, insurance companies are typically going to see its use as an immediate “red flag”
After all, it’s not like Morphine is something that is routinely prescribed medication, usually someone has to have a pretty serious condition or injury in order to warrant its use.
Common uses where morphine will be prescribed would include:
- Relief of pain caused by heart attack or myocardial infarction
- Relief of the severe bone and/or joint pain associated with sickle cell anemia.
- Pain relief before, during and after surgery.
- General anesthesia to sedate a patient.
- Regional anesthesia such as spinal or epidural anesthesia.
- Relief of pain caused by severe injuries.
- Pain relief for renal colic or kidney stones.
- Pain relief in pulmonary edema or water collected in the lungs, as seen in acute left ventricular failure or severe acute heart failure.
- Relief of severe joint pain caused by as rheumatoid arthritis and osteoarthritis.
- Pain relief in terminal cancer patients.
Now as you can see, Morphine can be prescribed for a wide range of pain related medical conditions. Some such as surgical procedures and injuries may only require its use for a short period of time, while other conditions such as rheumatoid arthritis or anemic patients may require long term usage which is much more likely to cause significant concern for the life insurance companies.
So whatcha got?
If you’ve simply been prescribed Morphine for pain relief for a brief period of time, you’ll generally find that provided the root cause of your pain isn’t some type of pre-existing medical condition that would concern a life insurance company, you should still be eligible for a preferred or preferred plus rate class.
However, if you’ve been prescribed Morphine for an “indefinite” period of time, or to treat some type of more “serious” medical condition which could create cause for concern, what your generally going to find is that the insurance companies are going to want to know a lot more about the “underlying” medical condition that has warranted your prescription before they would be willing to provide coverage.
In these types of cases one should be prepared to answer questions such as:
- When where you first prescribed Morphine?
- Why have you been prescribed Morphine?
- How long to you anticipate needing to take Morphine?
- Are you currently taking any other medications to manage your pain?
- Over the past 12 months, has your pain management prescriptions changed in any way?
- Do you have any 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?
From there, the insurance companies should begin to get a better idea about what types of life insurance policies you should be able to qualify for and whether or not they’ll feel it is necessary to go ahead and order medical records from you doctor.
It should also be noted that…
It’s quite possible that depending on why you’ve been prescribed Morphine, you may find that you’re currently not eligible for a traditional term or whole life insurance policy today, but you may be eligible 6 months to a year from now. We just won’t know till we learn more about you and your specific situation.
Which is why…
Regardless of what you’ve been told before, we would definitely encourage anyone who is interested in getting a second opinion to simply give us a call here at TermLife2Go , where we specialize on finding coverage for those more “challenging” cases.
Ok so who’s ready…
To check out what it’s actually going to cost to purchase your life insurance policy? We’ll if you’re ready, we would advise you to check out our Free Life Insurance quotes page which will allow you to simultaneously compare dozens of different life insurance quotes by dozens of top rated companies!