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
Whenever we get a call or a lead request from a client asking us about their Skelaxin prescription, we always need to immediately hold off on just “assuming” that it’s use isn’t going to have any effect on their life insurance application, and instead begin asking questions that will help us determine if your Skelaxin prescription should be a cause of concern.
You see, because..
Skelaxin is muscle relaxant that works by blocking nerve impulses in the brain. It is often prescribed in combination with rest and physical therapy to folks to help them treat discomfort associate associated with acute skeletal muscle conditions such as pain and injury.
It may also be used in conjunction with other medications for the treatment of osteoporosis.
So, before we can…
Really know for sure if your Skelaxin prescription is going to be a cause for concern, we’re going to need to learn a little bit more about why you’ve been prescribed Skelaxin as well as how well it’s managing your pre-existing condition.
Common questions a life insurance company will likely ask regarding your Skelaxin use:
- Why have you been prescribed Skelaxin?
- How long have you been using Skelaxin?
- Has your Skelaxin prescription changed over the past 12 months?
- Are you using any other medications to manage pain?
- What is the long term prognosis of your condition?
- Will you need to continue to use Skelaxin for a prolonged period of time?
- Have you ever been hospitalized for your condition?
- Do you have any history of drug or alcohol abuse?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability benefits?
From here we should have a pretty good idea about what type of life insurance policy you may or may not be eligible for.
We should also have a pretty good idea if you might be eligible for one of the newer “no medical exam” term and whole life insurance policies out there, or if your condition may warrant the need to actually order medical records from your doctor.
The good news is that…
Because we here at TermLIfe2Go work with so many different life insurance companies, once we have a better understanding of your particular situation and what you’re looking to achieve by purchasing your life insurance (protect a spouse, cover the cost of a mortgage, pay for final expenses, etc…) we should have plenty of options for you to choose from.
This is why you’ll find that in our initial application interview, we’re going to ask pretty much all of the same questions that you’ll find on your typical life insurance application. The only difference is that we’re asking these questions in an effort to determine which life insurance company is going to be the best for you.
We here at TermLife2Go have chosen to remain an independent life insurance brokerage that is able to work with dozens of different life insurance companies so that if it turns out that for some reason, you’re not the perfect fit for one company, we’ll simply move on to the next one in an effort to get you the best possible deal out there!
Now we know a lot of you would rather take a look at a few quotes before you actually spoke with an insurance agent which is why, we’ve created a quoter that will instantly display quotes from dozens of different life insurance companies for you to compare.
If interested, simply visit our quote page at Whole Life Insurance quotes and then give us a call if it looks like we might have a policy that meets your needs.
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.