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
Sertraline is one of those medications where a lot of inexperienced life insurance agents or agents that are working in a “more” controlled setting where every minute of every day is controlled and monitored (AKA: a call center agent) simply aren’t going to have the experience or time to give it their full attention.
Because to be perfectly honest…
A lot of applicants who are taking Sertraline, will find it very difficult if not impossible to qualify for a traditional term or whole life insurance policy, which is why a lot of insurance companies and agents will simply consider Sertraline a disqualifying medication.
Sertraline is a prescription antidepressant medication that is classified into a group of drugs called selective serotonin reuptake inhibitors (SSRIs). These medications are generally used to treat:
- obsessive-compulsive disorder,
- panic disorder,
- anxiety disorders,
- post-traumatic stress disorder (PTSD)
- and premenstrual dysphoric disorder.
Sertraline works by affecting chemicals in the brain that may become unbalanced and cause depression, panic, anxiety or obsessive-compulsive symptoms.
Now as you can see…
Sertraline can be used to treat a wide variety of medical conditions, all of which will generate quite a bit of interest during the underwriting process. This is why it’s so important to first get a really good idea about the severity of your condition so that you can pick and choose which insurance type and company will be best for you BEFORE you apply.
Common questions that will be used to determine what types of life insurance policies you may or may not be eligible for?
- Why were you prescribed Sertraline?
- How old were you when you were first diagnosed with your condition?
- How long have you been treating your condition?
- Is Sertraline the only medication that you’re using to treat your condition?
- Who prescribed your Sertraline? A general practitioner or a psychiatrist?
- Over the past 12 months has your prescription medications changed?
- Have you ever been hospitalized for your condition?
- Do you have any history of drug or alcohol abuse?
- Do you have any issues with your driving record? Such as a suspended license, multiple moving violations or DUI?
- Are you currently working now?
- In the past 12 months have you applied for or received any type of disability benefits?
From here, we’ll generally have a pretty good idea about the “types” of life insurance policy you may or may not be eligible for. We’ll also have a reasonable idea if you’ll be eligible for a traditional term or whole life insurance policy and if the insurance companies will want to order additional medical records prior to making a decision about your life insurance application.
As we ask these questions, and begin to learn more about your situation, we’re also comparing different life insurance companies against one another so that once we have a pretty good idea about what you’ll be able to qualify for, we’ll also have a pretty good idea about which life insurance company is going to be the “right” fit for you.
We here at TermLife2Go work as an independent life insurance brokerage that is able to work with dozens of different life insurance companies. So, when we have an opportunity to work with a more “challenging” application, we don’t have to rely on just one or two different options, we’ll have dozens to choose from.
Ok, now that you’ve got a basic idea about what the “process” of getting insured will look like, you’re probably also wondering what your insurance policy might cost. If so, just click on our Best Life Insurance Quotes page and you’ll be taken to our quote engine which not only allows you to compare different insurance companies, it also lets you sort out which policies will require you to take a medical exam and which ones won’t!
So what are you waiting for? Give us a call today and see what we can do for you!