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
Since Nortriptyline is a prescription medication sued to treat depression, it’s pretty much impossible to know how its use will affect a life insurance application without knowing more about the severity of your depression that is being treated.
Nortriptyline is a tricyclic antidepressant that is used to treat symptoms of depression. It is believed that Nortriptyline works by altering the chemicals in the brain that have been found to cause depression.
Learning more about your depression.
One of the first things you going to find that an insurance company will want to do once they’ve discovered that you’re using Nortriptyline to treat your depression is that they will want to ask you a series of questions designed to learn more about the “severity” of your condition.
Questions such as:
- When were you first prescribed Nortriptyline?
- How long have you been taking Nortriptyline?
- Who first prescribed your Nortriptyline, a general practitioner or a psychiatrist?
- Are you taking any additional medications to treat your depression?
- Has your Nortriptyline prescription changed in the past 12 months?
- Have you ever been hospitalized due to your depression?
- Have you ever suffered from suicidal ideation or attempted suicide in the past?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits.
Now for many, especially those who have simply been diagnosed with a mild case of depression, these questions may seem a bit “over the top”!
“I only use my Nortriptyline for when I’m feeling a bit down”
Which is great, but since Nortriptyline will be used to treat folks all along the depression “spectrum”, insurance companies are still going to ask pretty much all the same questions.
The only difference is that for folks who are simply using Nortriptyline to treat mild depression, there will still be a really good chance that you’ll be able to qualify for a Preferred life insurance rate (provided you apply with the right company).
More “severe” cases of depression…
Now when it comes time to helping folks who have been diagnosed with a more serious case of depression, having options is probably going to be the most important factor in determining whether or not you’re successful in your life insurance search.
The reason for this is twofold…
First, since each insurance company will have its own individual underwriting guidelines when it comes to insuring those who have been diagnosed, it’s quite possible that you may fall into that “gray” area of insurance underwriting where some insurance companies may consider you an acceptable risk, while others may not. This is why it’s so important to have multiple options when applying so that if you find yourself being denied by one carrier, “Plan B” isn’t having to start all over again from the beginning!
Second, depending on the severity of your condition, it’s also quite possible that you simply may not be eligible for what is called a traditional term or whole life insurance policy.
In cases like these, you’ll definitely want to be sure that the insurance brokerage that you choose also specializes in what are called Guaranteed Issue Life insurance policies so that you can explore those options as well.
This is why…
You’ll really want to give a company like TermLife2Go when you’re ready to being the process of purchasing life insurance. You see, here at TermLife2Go, we work as an independent life insurance brokerage that is capable of working with dozens of different life insurance companies so that regardless of how easy or difficult your life insurance application may be, we’re going to have plenty of options for you to choose from!
So… now for all those folks…
Who are now saying to themselves:
“Thanks for the information, but you still haven’t told me how much this is going to cost!
And you’re right…
So, all you need to do now is visit our Term and Whole Life Insurance Quotes page when you can shop dozens of different life insurance companies and have their quotes “pop up” instantly on your screen!
So what are you waiting for? Give us a call today and see what we can do for you!