Whenever we get a call from a client or a quote request from someone who is currently using Prinivil, we always need to be careful not to assume that the insurance companies aren’t going to potentially penalize them for its use.
Prinivil is one of those medications that can be used to high blood pressure if folks who have just “normal” high blood pressure as well as in those who have more serious medical conditions.
Prinivil is in a group of drugs called ACE inhibitors and is used to treat high blood pressure (hypertension) and congestive heart failure. It has also been shown to improve survival after a heart attack.
So before we jump to any conclusions…
Why don’t you tell us a bit about yourself? Have you been previously diagnosed with a heart condition? Have you had a heart attack in the past? Or are you simply using Prinivil to reduce your elevated blood pressure without any pervious history of heart disease? Insurance companies are going to want to know the answers to these questions, and will likely ask a whole bunch more before they’ll be willing to make a decision about your life insurance application.
Now if you just using your Prinivil to treat “normal” hypertension…
What you generally going to find is that the insurance companies aren’t going to really penalize you for using it, in fact provided that you meet all other criteria, there will still be a good chance that you’ll be able to qualify for a Preferred or Preferred Plus rate class provided that you know where to look.
That being said however…
If your using your Prinivil to maintain your blood pressure after you’ve suffered from a heart attack or after you’ve been diagnosed with some type of heart condition, it’s quite possible that you may not be eligible for a traditional fully underwritten term or whole life insurance policy. In cases like these, insurance companies will generally ask a series of questions in an effort to determine the “seriousness” of your pre-existing condition so that they can get a better idea on whether or not you’ll be eligible for coverage.
Common questions insurance companies will ask to determine the “seriousness” of your pre-existing medical condition:
- Why were you first prescribed Prinivil?
- Who prescribed your Prinivil? A general practitioner or a cardiologist?
- Is Prinivil the only prescription medication that your using?
- What is your current height and weight?
- In the past 12 months have you used any tobacco or nicotine products?
- Have you ever suffered from a heart attack or been diagnosed with congestive heart failure?
- In the past 12 months have you been hospitalized for any reason?
- In the past 12 months have you had an EKG performed? And if so, what were the results?
- In the past 12 months have you had a cardiac stress test performed? And if so, how did you do?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
From here, the insurance companies should have a pretty good idea about what “types” of life insurance policies you may or may not be eligible for, as well as knowing whether or not they may need to order medical records prior to being able to make a decision about your application.
The good news is…
That we here at TermLife2Go, are also going to ask these same questions, which means that we’ll also have a pretty good idea about what “type” of life insurance policies you will and won’t be eligible for, with one exception.
As we ask the questions…
We also try to “weed out” those particular life insurance companies that may not be the “best” fit for you. You see, we here at TermLife2Go work as an independent life insurance brokerage that is able to work with dozens of different life insurance companies so that when we do have one of those more “challenging” applications to work with, we’re going to have plenty of options to choose from.
Now we know a lot of you would rather take a look at a few quotes before you actually spoke with an insurance agent which is why, we’ve created a quoter that will instantly display quotes from dozens of different life insurance companies for you to compare.
If interested, simply visit our quote page at Life Insurance quotes and then give us a call if it looks like we might have a policy that meets your needs.
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.