Nowadays, it seems like just about everyone is taking some type of prescription medication, especially if you’re over the age of 40.
Which is why…
We’re never all that “surprised” when we have a client tell us that they’re currently taking Chlorthalidone or Thalitone to lower their blood pressure (hypertension) or keep their blood pressure under control.
Many times, we’re actually “relieved” when an individual tells us that they’re currently taking a “blood pressure” medication because this tells us 2 things about the client right away.
- First, the client probably visits their doctor somewhat regularly.
- Second, the client probably now has their blood pressure under control.
When we have a client that regularly sees their doctor and is “on top” of monitoring their own health, we’re much less likely to be “surprised” during the application process to learn that a client who “believes” that they are completely health actually has undiagnosed:
These “types” of clients are much more difficult to help than those who have already been diagnosed simply because there is a much greater likelihood that in addition to being “pre-diagnosed”, they’re also much more likely to now have their condition under control!
Because medications like Chlorthalidone and Thalitone are great at lowing one’s blood pressure which in turn helps reduce one’s risk of suffering from a heart attack, stroke as well as reduce the potential damaging affects high blood pressure can have on one’s kidneys.
How it works?
Like many other blood pressure medications, Chlorothalidone (Thalitone) works as a diuretic which is used to reduce extra salt and water in the body thus helping the body maintain a healthy and safe blood pressure level.
What insurance companies are going to want to know.
Simply taking a prescription medication to treat your blood pressure shouldn’t really negatively affect the outcome of your life insurance application. In fact, many individuals will be able to qualify for a Preferred rate (Preferred Plus in some rare cases) even after being diagnosed with hypertension.
That said however…
Insurance companies are going to want to know:
- How old were you when you were first diagnosed with hypertension?
- How long have you been taking your Chlorothalidone to treat your hypertension?
- Are you taking any other prescription medications to treat your hypertension?
- Is your blood pressure under control now?
- How often do you see your primary care physician?
- Have you been diagnosed with any other pre-existing medical conditions?
- In the past 12 months have you used any tobacco or nicotine products?
We’ll generally have a pretty good idea about how well you are managing your hypertension and know what “types” of life insurance policies you’ll probably be able to qualify for as well as what “rate” you may be eligible for as well.
We’ll also have a…
Pretty good idea if you’ll be able to qualify for a no medical exam life insurance policy which would allow you to shorten the application process to just a few hours vs needing to wait several weeks before you can become fully insured!
Now the good news is…
That here at TermLife2Go, because we operate as an independent life insurance brokerage, we’re able to offer a wide variety of insurance products from a wide variety of different insurance companies (several dozen in fact!).
Which means that…
When it comes time to helping our clients find the best life insurance policy that they can qualify for, we’re going to have “bunch” of options to choose from. 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.