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
Spiriva is one of those medications that when we encounter it, we always need to take a step back and learn a little bit more about the pre-existing condition that warranted its prescription, before we can make any type of accurate prediction about what it will and won’t do to the outcome of an applicant’s application.
Spiriva can be used to treat a wide variety of symptoms and conditions. Some of which won’t be an issue for an insurance underwriter, while other particularly combined with other health factors could lead to one being denied life insurance all together!
Spiriva (tiotropium) is a prescription bronchodilator that helps relax muscles in the airways and helps increase air flow in and out of the lungs. Spiriva will commonly be used to prevent bronchospasm (the narrowing of airways within the lungs) in folks who are suffering from chronic obstructive pulmonary disease (COPD) including bronchitis and emphysema.
So whatcha got?
Since Spiriva is commonly prescribed to folks who suffer from COPD, bronchitis and emphysema, insurance companies are going to want to learn more about:
- Why you’ve been prescribed Spiriva.
- And how severe is that condition?
To accomplish this, what you’ll generally find is that insurance companies will typically ask questions such as:
- Why have you been prescribed Spiriva?
- When were you prescribed Spiriva?
- Are you taking any other prescription medications?
- In the past 12 months have you used any tobacco or nicotine products?
- In the past 12 months have you used any marijuana products?
- What is your current height and weight?
- Have you ever been hospitalized for your condition?
- In the past 2 years have you needed to visit the emergency room due to your condition?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
Now depending how you answer these questions, the insurance companies will be able to get a pretty accurate picture about your overall health and be able to determine what “types” of life insurance policies you’ll most likely be able to qualify for.
Some insurance companies may decide that you “may” be an acceptable risk for insurance provided that they can learn a little bit more about your condition in which case they may request copies of your medical records for review. Which in our opinion, is always a good sign because it means that they haven’t simply decided to… not insure!
Don’t be, you see here at TermLife2Go, our only goal is to help you find the best life insurance policy that you can qualify for. This is why we’ve worked so hard to establish relationships with dozens of the best life insurance companies in the industry!
Here at TermLife2Go, we’ve chosen to remain an independent life insurance brokerage that is capable of working with dozens of highly rated life insurance companies so that when we’re confronted with one of those more “challenging” applications, we don’t have to just rely on one or two different life insurance companies to give us the answer that we’re hoping for, we can “pro-actively” shop dozens of insurance companies and make them “compete” to earn your business.
Ok, so now…
That we’ve covered most of the basics, are you ready to take a look at some actual quotes that you may be able to qualify for?
If so, we would strongly encourage you to visit our page Life Insurance Policy Quotes where you’ll be instantly compare quotes from dozens of different life insurance companies!
So what are you waiting for? Give us a call today and see what we can do for you!