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We here at TermLife2Go always need to be careful when we get a call from a potential client that is asking if their Lucentis prescription is going to affect their life insurance application because in truth, taking Lucentis should not be an issue, when you apply for life insurance.
The problem is…
Many of the risk factors that could have lead you to be prescribed Lucentis can potentially affect your life insurance application which is why, we really won’t know what’s going to happen during your life insurance application until we learn a little bit more.
Lucentis (ranibizumab) is a prescription anti-angiogenic that is used to treat the “wet” type of age related macular degeneration, which is a common form of age-related vision loss.
Dry vs wet macular degeneration:
In the atrophic form of dry macular degeneration, patients will generally experience blind spots in the center of their vision and in advanced stages may ultimately experience total central vision.
Conversly, the “wet” form of macular degeneration is characterized by the growth of abnormal blood vessels from the choroid underneath the macula which then go on to create “blind spots” in a patient’s field of vision.
Now the exact…
Cause of macular degeneration isn’t known, and the actual condition itself isn’t something that will cause too much concern for a life insurance underwriter since the condition itself isn’t necessarily life threatening.
That being said however…
There are a series of risk factors that have been shown to increase one’s risk of suffering from macular degeneration which are also potential factors that could play a role in the outcome of your life insurance application.
Factors that may increase your risk of macular degeneration include:
- Macular degeneration is most common in folks over the age of 65 which may make qualifying for life insurance more difficult then it would be for a younger applicant.
- Smoking cigarettes or being regularly exposed to second hand smoke has been shown to greatly increase one’s risk for macular degeneration.
- Obesity has been shown to increase the severity of one’s macular degeneration, but also trigger its onset at an early age.
- Cardiovascular disease: Cardiovascular disease has also been shown to increase one’s risk of macular degeneration.
So as you can see…
While being prescribed Lucentis, and thus having been diagnosed with macular degeneration may not in of itself have a negative effect on your life insurance application, some of the “potential causes” of you condition could.
Which is why…
It’s so important to make sure that if you do have a pre-existing condition such as macular degeneration that can potentially complicate your life insurance application, that you choose to apply with a life insurance brokerage that is going to have a ton of options to choose from when determine which insurance company is going to be the “best” for you.
Here at TermLife2Go, we have chosen to remain an independent life insurance brokerage that is able to work with dozens of highly rated life insurance companies so that whey we’re confronted with one of those more “challenging” cases, we don’t need to simply rely on just one or two different insurance companies and just hope for the best!
Instead, we get to “shop” your life insurance application with numerous insurance carriers and see which one wins!
So what are you waiting for? Give us a call today and see what we can do for you!
Now as we stated before, here at TermLife2Go, we work with dozens of the “best” life insurance companies in the nation, so if you like to see how these companies compare to one another, simply visit our quoter: Best Term Life Insurance Quotes and then just give us a call when your ready to move forward.