According to the Asthma and Allergy Foundation of American as of 2012, nearly 17.6 million adults and 6.6 million children had been diagnosed with hay fever. Worldwide, it is believed that allergic rhinitis (AKA hay fever) affects somewhere between 10-30 percent of the population.
Which is why it comes as no surprise that we’ll often get calls from folks who are using Nasonex (Mometasone) asking about whether or not its use will affect their life insurance application.
Nasonex (Mometasone) is a prescription medication used to treat and prevent nasal symptoms such as congestion, sneezing and runny nose caused by seasonal or year-round allergies.
Nasonex may also be used to treat growths in the nose known as nasal polyps.
Seasonal and/or year-round allergies:
Seasonal allergies, as the name implies happen when your immune system overreacts to something in the environment that are usually seasonally related outdoor triggers such as pollen. Conversely, year-round allergies tend to be more “indoor” related and could include things such as pet dander, mold, or insect droppings.
Symptoms associated with both types of allergies can include:
- runny or stuffy nose
- itchy or watery eyes
Nasal polyps are soft, painless, noncancerous growths located on the interior lining of your nasal passages and/or sinuses. Nasal polyps are often times the result of chronic inflammation caused by asthma, recurring infection, allergies and drug sensitivity as well as from certain immune disorders.
So whatcha Got?
For the vast majority of folks using Nasonex, you’re going to find that its use really won’t play a role in the outcome of your life insurance application. Which means that even though you’ve been prescribed Nasonex (assuming that you are otherwise healthy), you should still be able to qualify for the best life insurance rates out there.
That being said however…
There are those who will have been prescribed Nasonex to treat their nasal polyps which may have developed from a condition which may create a cause for concern when applying for life insurance. For these clients, it’s not uncommon for a life insurance company to begin asking additional questions regarding the root cause of your nasal polyps before making a decision regarding your life insurance application.
Questions that may be asked regarding your Nasal Polyps:
- Has the root cause for why you have developed nasal polyps been determined?
- What is the severity of the root cause of your nasal polyps?
- And what is the long term prognosis of the root cause of your nasal polyps?
Now, it should be noted that even with folks who are using Nasonex (Mometasone) to treat their Nasal polyps the vast majority of them will also be “potentially” eligible for the best possible life insurance rates in the industry, the insurance companies simply want to identify those applicants who may be suffering from asthma, drug allergies and certain types of immune disorders so that they can learn more about the severity of these conditions prior to extending and offer of coverage.
The good news is that…
We here at TermLife2Go work with so many different life insurance companies that even if it turns out that you may be one of those rare cases where your Nasonex prescription may play a role in the outcome of your life insurance application, we’re going to have plenty of options for you to choose from when it comes time to determining which insurance company is best for you!
So what are you waiting for? Give us a call today and see what we can do for you!
Now for those who are ready….
To look at some actual numbers, we would recommend that you take a look at our Life Insurance Quotes page which will give you access to term and whole life insurance quotes from dozens of different life insurance companies. It will also allow you to only look at those companies that won’t require you to take a medical exam to qualify!
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.