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 and Burial Insurance companies and Best No Medical Exam Life Insurance Companies
During the application process, we’ll often have folks ask us if their Norco prescription is going to affect the outcome of their life insurance application and the truth is, there’s a really good chance that it will.
And this is because…
Norco is a prescription medication that is categorized with a group of drugs called opioid pain relievers that are used to relieve moderate to severe pain. Now this in and of itself isn’t the issue, the issue is that Norco contains a combination of acetaminophen and hydrocodone.
Hydrocodone is an opioid pain medication which is also classified as narcotic. This is why you’re going to find that most life insurance companies are going to be “nervous” about insuring someone that is currently using Norco to treat their pain.
The main concern that insurance companies will…
Center around the potential for abuse as well as the long-term health consequences that can result from prolonged use of Norco.
Potential for abuse:
The number one danger associated with Norco addiction is the potential to overdose, which can result in permanent brain damage or death. Additionally, misuse of Norco can also cause an imbalance in the brains natural chemicals which can lead to depression and continued dependency on the drug.
Consequences due to long-term exposure:
In addition to addiction, long-term use of Norco can also lead to serious health consequences including respiratory depression, hearing loss, urinary retention, itchiness, coma and even death.
This is why you’re going to find…
That the insurance companies are going to want to know a lot more about why you’ve been prescribed Norco before they will even consider offering coverage to a new client. To learn more about why your using Norco, you’ll likely be asked questions such as:
- When were you first prescribed Norco?
- What is the root cause of your pain?
- How long have you been taking Norco?
- How long do you anticipate taking Norco?
- Over the last year has your Norco prescription changed at all?
- Are you taking any other medications to help manage your pain?
- Do you have any history of drug or alcohol abuse?
- Do you have any issues with your driving record, such as a suspended license, multiple moving violations or DUI?
- Are you currently working?
- In the past 12 months have you applied for or received any form of disability benefits?
From there, the insurance companies will begin to get a better idea about the severity of the condition which you are using your Norco to treat as well as what types of life insurance policies you may or may not be eligible for.
Now as a general rule of thumb…
If you’re simply using your Norco for a short period of time to treat pain that isn’t the result of some type of chronic condition, it’s quite possible that you should be able to qualify for some of the best life insurance rates possible.
However, if you’re using your Norco to treat a chronic condition and don’t anticipate a time in which you won’t require your Norco prescription, finding coverage will simply depend on what condition you are treating.
One thing that we do know for sure is…
That for those who are using their Norco to treat a chronic condition, having multiple options to pick and choose from during the application process is going to greatly increase your chances at finding a perfect life insurance policy to meet your needs. This is why we here at TermLife2Go have worked so hard to foster relationships with dozens of different life insurance companies so that when we’re confronted with one of those more “challenging” applications, we’re much more likely to have an option that will meet your needs.
So what are you waiting for? Give us a call today and see what we can do for you!
Ok, so now…
That we’ve covered most of the basics, are you ready to take a look at some actual quotes that you may be able to qualify for?
If so, we would strongly encourage you to visit our page Life Insurance Policy Quotes where you’ll be instantly compare quotes from dozens of different life insurance companies!