Now we’ll be the first to admit that we don’t often get that many calls from folks wondering if their Prometrium prescription is going to affect their life insurance application, but since it has come up before, we figured we might as well include it in our list of medications that could “potentially” play a role in the application process.
Prometrium (progesterone) is a female hormone important for the regulation of ovulation and menstruation. Prometrium is used to cause menstrual periods in women who have not yet reached menopause but are not having periods due to a lack of progesterone in the body. Prometrium is also used to prevent overgrowth of the lining of the uterus in postmenopausal women who are receiving estrogen hormone therapy.
Now as you can see…
Prometrium isn’t really used to treat any type of “life threatening” medical conditions which is why in most cases you’re going to find that it’s use will not affect the outcome of your life insurance application. In fact, you should still be eligible for some of the best life insurance rates out there.
Where you may run into some problems is…
If your decreased progesterone levels have led to some problematic symptoms that have not been adequately resolved since you began taking Prometrium. The most significant symptom that the insurance company will be worried about will be the increased risk of suffering from endometriosis.
Endometriosis is a condition resulting from the appearance of endometrial tissue outside the uterus and causing pelvic pain.
The biggest concern for patients with endometriosis is that it is known to increase the chance of ovarian cancer. However, the overall chance of getting ovarian cancer is quite low even when you have endometriosis. That being said however, you’ll generally find that any time an insurance company is looking at an “increased” risk on a life insurance application, their will usually be costs associated with it (increased premiums).
But let’s not jump to conclusions…
The fact remains that for most folks using Prometrium, isn’t going to be an issue when the decided to apply for life insurance. More important factors that will come into play will be things such as your age and your current height and weight ratio.
So now that we’ve covered that fact that in most cases Prometrium isn’t going to play a significant role in your application process, let’s take a look at some of the most common life insurance application questions so that you can get a “feel” for what will be important during your life insurance application.
Common questions asked during a life insurance application:
- How old are you?
- What is your current height and weight?
- Have you been diagnosed with any pre-existing medical conditions?
- Have you ever suffered from a heart attack, stroke, cancer or diabetes?
- Have any of your immediate family members ever been diagnosed with cancer, heart disease, stroke or diabetes?
- Are you currently using any prescription medications other than Prometrium?
- In the past 12 months have you used any tobacco or nicotine products?
- In the past 12 months have you used any marijuana products?
- Do you have any set plans to travel outside of the United States in the next 2 years?
- In the past 2 years have you filed for bankruptcy?
- Have you ever been convicted of a felony or misdemeanor?
- Are you currently working now?
- In the past year, have you applied for or received any form of disability benefits?
Now as you can see, the insurance companies are going to ask a lot of questions. The good news is that not all of the insurance companies “weigh” the answers to each of these questions evenly. Which means that even if you answer “yes” to one of these questions or even all of these questions, there is still a really good chance that you can qualify for life insurance at a great rate.
The key is…
When you apply for life insurance, you’re going to want to have options. This is why we here at TermLife2Go has worked so hard to develop relationships with dozens of different highly rated life insurance companies so that we can offer our clients a ton of options when it comes to finding that “perfect” life insurance policy.
Now before we let you go…
Let us be the first to admit that up until this point, we really have talked about what you might be expected to pay for your insurance. And this isn’t because we don’t want to tell you what the cost may be, its simply because until we learn more about you we simply won’t know what “rate” you may qualify for.
That being said however…
If you have a “general” idea about “rate” you may qualify for, we would certainly encourage you to take a look at our Life Insurance Quotes page where you’ll have access to quotes from dozens of different life insurance companies instantly!
So what are you waiting for? Give us a call today and see what we can do for you!