For those who are currently having a difficult time getting approved for life insurance, you may also want to read the following articles which focus on difficult to place insurance policies: Top 10 Burial Insurance companies, 10 Top No Exam Life Insurance Companies
In the United States alone, it is reported that more than 37 million people suffer from migraines, which is why we’re never surprised when we get a call from someone asking if their Relpax prescription is going to negatively affect their life insurance application.
After all, 37 million people represent nearly 13% of the US population so in only makes sense that we get a bunch of these calls.
So will having a prescription for Relpax negatively affect your life insurance application?
Short answer: It depends.
Thorough answer: Have a prescription for Relpax in and of itself isn’t going to negatively affect your life insurance application. That being said however, having been diagnosed with suffering from migraines could. Let us explain.
Relpax (eletriptan) is a prescription medication that is used to treat migraine headaches by narrowing the blood vessels around the brain. Relpax also reduces substances in the body that can trigger headache pain, nausea, sensitivity to light and sound, and other migraine symptom.
Relpax will only treat a headache that has already begun and will not work to prevent or reduce the number of attacks.
Now the good news is that….
Relpax isn’t used to treat a wide variety of conditions, which means that we really only need to focus on one issue, your migraines.
Additionally, because suffering from a migraine isn’t necessarily like suffering from a “life threatening” condition (and no, we don’t not want to minimize how debilitating and painful a migraine can be) helping folks who suffer from migraines find an affordable life insurance policy will often times be much easier than helping someone who has been diagnosed with a more “serious” pre-existing medical condition such as cancer or heart disease.
But finding a quality term or whole life insurance policy for someone who has been diagnosed with migraines can still be challenging.
The challenge lies in those…
Cases where the applicant suffers from chronic migraines that can cause significant consequences to their daily life. You see, while many migraine suffers will still be eligible for some of the best life insurance rates available, there are those with “severe” cases that may find it difficult to find coverage anywhere.
Questions insurance companies will ask to determine the “severity” of your migraines?
- How old were you when you first suffered from a migraine headache?
- When did you suffer from your last migraine?
- How often do you suffer from migraines?
- Have you ever been hospitalized for a migraine?
- Is Relpax the only prescription medication that you’re using to treat your migraines?
- 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 will generally have a pretty good idea about the severity of your condition and which “types” of life insurance policies you may or may not be eligible for.
Additionally, at this point in time, the insurance companies may also request copies of your medical records, if it looks like you’ll be eligible for a traditional term or whole life insurance policy provided that their able to collect some additional information from your doctor.
What we do here at TermLife2Go…
Is very similar to what an insurance company would do directly during the application process with one exception, which is, while we ask pretty much all the same questions as the insurance companies, we also simultaneously “shop” dozens of different life insurance companies for you so that once we’re done asking questions, we’re able to present to you several options that we feel would best meet your needs.
We here at TermLife2Go operate 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 deal out there, we don’t have to just rely on one or two different options, we’ll have dozens!
So what are you waiting for? Give us a call today and see what we can do for you!
Lastly, for those who are really in a hurry to get a “general” idea about how much their life insurance might cost them, we would recommend that you check out our No Medical Exam Life Insurance Quote page which will allow you compare prices multiple term and whole life insurance quotes instantly!