Ondansetron is a prescription medication that is sold under several common brands names including Zofran, Zuplenz and Zofran ODT, and while having Ondansetron “pop up” on your prescription database check that most life insurance companies are going to run isn’t going to immediately cause you to be denied coverage, it’s certainly going to raise a few “red flags”.
Ondansetron is a prescription medication that is used on its own or in combination with other medications to prevent nausea and vomiting. The problem is that it is usually used to prevent nausea and vomiting in folks who are currently receiving chemotherapy and/or radiation therapy to treat their cancer.
Now it is…
Conceivable that you were prescribed Ondansetron to prevent nausea immediately after receiving surgery, in which case you may be eligible to qualify for a traditional term life insurance or whole life insurance policy which is why, the insurance companies are going to probably ask you a few questions about “why” you’ve been prescribed Ondansetron if the answer is not immediately obvious (such as you are a cancer survivor).
It’s quite possible that you may have been prescribed Ondansetron in the past when you were “battling” your cancer and are now in remission and cancer free, in which case you too may be able to qualify for a traditional life insurance policy.
Let’s just take a moment and list and briefly address some of the concerns an insurance underwriter may have once they have determined that you’ve been prescribed Ondansetron so that you can have a better idea on what to expect when applying for a life insurance policy.
Patients that have been prescribed Ondansetron, but have not been diagnosed with cancer.
Now if you’ve been prescribed Ondansetron in the past as a way to prevent nausea or vomiting immediately after receiving surgery, there is a really good chance that you may be eligible for insurance provided that the “reason” for your surgery isn’t do to some type of “serious” pre-existing medical condition. Now if this is the case, the outlook of your life insurance application will be dependent on exactly what that pre-existing condition is, otherwise, if your surgery was due to some type of injury or accident, chances are, once you’ve made a full recovery, you should be “technically” eligible for coverage.
Patients that have been prescribed Ondansetron, but have been diagnosed with cancer.
For individuals who have been prescribed Ondansetron and have been diagnosed with cancer what you’re generally going to find is that as a general “rule of thumb”, most if not all life insurance companies are going to deny any applicant applying for a traditional term or whole life insurance policy.
Which means that…
If you are currently receiving cancer treatment and wish to purchase a life insurance policy, you’re most likely going to need to pursue an “alternative” life insurance product such as a guaranteed acceptance life insurance policy.
That being said however…
If you’re currently in remission, your options life insurance options will generally increase over time particularly if you’re were diagnosed and treated early and if you’re cancer is not generally considered a very aggressive “type”.
For more information about qualifying for life insurance after being diagnosed with cancer, we would recommend that you check out our articles: Life Insurance for Cancer Survivors.
Confused? Don’t be…
Regardless of why you’ve been prescribed Ondansetron, one thing is always going to remain the same which is, we here at TermLife2Go are going to work very hard to make sure that you’re able to find the “best” life insurance policy that you can qualify for.
And to do this…
We’re first going to need to understand what you’re hoping to achieve by purchasing your life insurance policy.
Are you looking to:
- Protect a spouse or child?
- Cover the cost of a mortgage?
- Finance a SBA business loan?
- Meet a divorce requirement?
- Or just cover one’s own final expenses?
From there, we’ll need to know a little bit more about your specific health situation and then compare that information with the underwriting guidelines of the “dozens” of different life insurance companies that we represent.
Here at TermIife2Go, 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 that “perfect” life insurance policy, we’re not going to simply have to rely on one or two different options, we can price them all and make them “compete” for your business!
So, what are you waiting for? Give us a call today or visit our Life Insurance Quotes page and see what we can do for you!
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.
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