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 Comp
Now while we don’t get a ton of calls from folks taking Requip, it’s pretty safe to say that the vast majority of the ones that we do are from folks who are having a difficult time finding a great life insurance policy as a result of having been prescribed Requip.
And while we would make us happier then to just be able to say that being prescribed Requip isn’t going to be an issue, the fact that Requip can be used to treat several medical conditions, we’ll simply need to know more about why your taking Requip before we can make any definitive conclusions.
Requip is a prescription medication that is used to treat both Parkinson’s disease and Restless Leg Syndrome (RSL). Requip works by mimicking the effects of dopamine which occurs naturally in the body. Low levels of dopamine in the brain have been associated with Parkinson’s disease.
So when it comes time to determining how your Requip prescription is going to affect your life insurance application, the first factor will be why are you using your Requip?
So Whatcha Got?
One of the first things an insurance company is going to want to determine is, why have you been prescribed Requip and how severe is the condition that it is treating. To do this, insurance companies are going to ask you a series of questions that will look something like this:
- Why have you been prescribed Requip?
- How old were you when you were first prescribed Requip?
- How long have you been taking your Requip?
- Over the past 12 months, has your Requip prescription changed at all?
- Have you been diagnosed with any other pre-existing medical conditions?
- Are you taking any other prescription medications?
- 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 the “general” severity of your condition which will allow them to begin narrowing down their questions to ones that may be more relevant to your medical condition.
Parkinson’s disease is a medical condition that is defined as a progressive disease of the nervous system that is marked by tremors, muscular rigidity and slow imprecise movements. The root cause is believed to be associated with the degeneration of the basal ganglia of the brain and a deficiency in dopamine levels found in the body.
For those suffering from Parkinson’s disease, you’ll likely find that you will still be eligible for life insurance at a “Table rating” provided that the progression of the disease has halted or slowed significantly.
In general, applicants who have been diagnosed should expect that a complete review of their medical records will be required, and that you may benefit greatly by having your agent “shop” your application to sever different companies prior to “officially” applying for life insurance.
Restless Leg Syndrome.
Restless leg syndrome is defined as a disorder characterized by an unpleasant tickling and/or twitching sensation in the leg muscles while sitting or lying down. This uncomfortable feeling is only relieved by moving the legs.
Now is restless leg syndrome going to kill you, NO. But experience has shown us that suffering from restless leg syndrome can lead to other conditions which can negatively affect one’s life insurance application.
A recent client had a history of restless leg syndrome. As a result, they suffered from various mood disorders, including depression. They had trouble going about their normal daily activities due to the depression, which was the result of many nights of little to no sleep. As a result, the life insurance carrier came back with a substandard rate class.
Now we shouldn’t necessarily use this example to describe a typical case, but it’s important to note that even the most mild cases of restless leg syndrome can lead to some unexpected consequences!
The Good News is…
That because we here at TermLife2Go work with dozens of different life insurance companies, we don’t have to rely on what one or two different life insurance companies decide. Instead, we’re able to compare the rates of multiple insurance companies both before and after you apply for life insurance so that when you ultimately decide to accept your policy, you’ll be sure you’re getting a great deal!
Enough already! How much is this all going to cost?
If this is how you feel, we would strongly encourage you to check out our Compare Life Insurance Quotes Instantly page which will give you access to quotes from dozens of different life insurance companies and will even let you only look at quotes from companies that won’t require a medical exam!
So what are you waiting for? Give us a call today and see what we can do for you!