Now the only time that we’ll typically find ourselves discussion Patanol during a life insurance application is when we’re actually discussing the larger topic of allergies and how they may or may not affect one’s life insurance application.
Because it is believed, that nearly 50 million people in the United States suffer from some type of nasal allergy (30% of all adult nearly 40% of all children), it’s not all that uncommon for us here at TermLife2Go to find ourselves discussing this topic.
The good news is…
That for the vast majority of those suffering from allergies, and even those who are using Patanol to help alleviate their symptoms, the insurance companies in general aren’t going to penalize you. In fact, there’s a very good chance that your allergies won’t play any role at all during your application process. Which means that you should still be eligible for some of the best life insurance rates available such as a Preferred or Preferred Plus!
Patanol (olopatadine) is an antihistamine used to treat ocular symptoms of allergic conditions such as inflammation, itching and burning. It functions as an antihistamine that reduces the natural chemical histamine in the body.
But before we can dismiss…
What role your allergies will play during your life insurance application process, insurance companies will want to make sure that your allergies aren’t that “serious” or life threatening. To determine the severity of your allergies, most life insurance companies will typically ask you a series of questions such as:
- How old were you when you were first prescribed Patanol?
- How long have you been using your Patanol?
- Has your prescription changed over time?
- Are you using any other prescription medications to treat your allergies?
- In the past 12 months have you used any tobacco or nicotine products?
- Do you also suffer from Asthma?
- Are your allergies season or year-round (indoor vs outdoor allergens)?
- When was your last “attack”?
- Have you ever been hospitalized due to your allergies?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
Now before you get too excited….
And jump to any conclusions, remember, we’ve already stated that for the vast majority of folks, even those who are using Patanol, insurance companies aren’t going to care about your allergies. But there are situations where a person’s allergies can become so severe, that an insurance company will want to learn more about what type of risks they represent which is why they’ll ask these questions.
What we do here…
Now what we do here at TermLife2Go is, first learn what you are hoping to achieve by purchasing your life insurance:
- Cover the cost of a mortgage?
- Protect spouse or children?
- Cover lost wages?
- Or just cover the cost of a burial?
And then from there, match you up with the “type” of life insurance policy that will best serve your needs. Once that is determine, we can then take a look at which insurance company is going to offer you the best deal.
Here at TermLife2Go, we work as an independent life insurance brokerage that is able to work with dozens of highly rated life insurance companies so that when it comes time to helping you find the best possible life insurance policy out there, we’re going to have dozens to choose from!
Enough already! How much is this all going to cost?
If this is how you feel, we would strongly encourage you to check out our Life Insurance Quotes page which will give you access to quotes from dozens of different life insurance companies and will even let you only look at quotes from companies that won’t require a medical exam!
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.