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 receive a call or a quote request from an applicant that is using Soma and is wondering if it will affect the outcome of their life insurance application, we immediately need to focus on two things:
- First, why has the applicant been prescribed Soma.
- And second, does there appear to be any risk of dependency.
Because Soma is a muscle relaxer that is classified as a narcotic, its use will definitely be something that most if not all insurance companies will be concerned about.
Soma (carisoprodol) is prescription medication that works as a muscle relaxer by blocking pain sensations between the nerves and the brain. Soma is typically used to help treat injuries and other painful musculoskeletal conditions in conjunction with rest and physical therapy.
Soma is also classified as a narcotic, which is why it should not be taken in conjunction with alcohol, psychotropic drugs or central nervous system depressants.
Since Soma is a narcotic muscle relaxer, in general, it will be more “cautiously” prescribed than other muscle relaxers (especially if a patient is taking narcotic pain medication) which is also why most life insurance companies will be even more interested in its use than say some other type of prescription muscle relaxer.
That’s fine, but what does all that mean….
Having a prescription for Soma isn’t the end of the world and doesn’t necessarily mean that you won’t be able to qualify for life insurance or you’ll need to pay a huge premium simply because you’ve been prescribed Soma.
It just means that…
Insurance companies are going to want to know a little bit more about why you’ve been prescribed Soma, and whether or not you show any signs of potential abuse. As a result, you’ll likely be asked a series of questions specifically designed to learn more about you Soma use. Questions such as:
- Why have you been prescribed Soma?
- How long have you been taking Soma?
- Is Soma the only prescription pain medication that you’re currently taking?
- Over the past 12 months has your Soma prescription changed at all?
- Do you have any previous history of drug or alcohol abuse?
- Do you know when you’ll likely no longer need to use Soma or do you anticipate a prolonged need?
- Do you have any issues with your driving record? Issues such as a suspended driver’s license, multiple moving violations or DUI?
- 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 condition that you’re treating as well as what “types” of life insurance policies you’ll most likely be eligible for.
As a general rule of thumb…
What you’ll typically find is that for folks who are simply using Soma to treat some type of “short” term medical condition that should resolve itself relatively quickly, qualifying for a Preferred or Preferred Plus rate should still be possible.
If you’re using your Soma to treat some type of “chronic” or long term medical condition, what you’re typically going to find is that your use of Soma will pay a more significant role in the outcome of your life insurance application, and could potentially be a major factor on why you may not be able to qualify for a particular “type” of life insurance.
Now the good news is that…
We here at TermLife2Go have spent years working at developing quality relationships with dozens of different life insurance companies so that, regardless of why you’ve been prescribed Soma, and regardless of what kind of pre-existing medical condition you may have, we should have something to be able to offer you.
So what are you waiting for? Give us a call today and see what we can do for you!
Lastly, for those who don’t really want to speak with an agent before they have a chance to look at a few quotes, we would encourage you to check out our Term Life Insurance Quotes page when you have a chance since it will provide you with dozens of quotes instantly!