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Xarelto is one of those medications which because of its ability to help out folks with a wide range of conditions, knowing how it will affect the outcome of your life insurance application can often times be pretty difficult. Especially in the beginning.
Xarelto (Rivaroxaban) is a prescription medication that is used to prevent blood clots from forming.
Xarelto will often be prescribed to those who suffer from certain types of arrhythmias, after hip or knee replacement surgery as well as to help decrease the blood clot formations in those who have already suffered from deep vein thrombosis (DVT) and/or pulmonary embolus already.
So whatca got?
Because each of these conditions will have their own unique underwriting guidelines, knowing why you’ve been prescribed Xarelto is going to be the first thing we’re going to need to know. So why have you been prescribed Xarelto?
If your Xarelto has been prescribed to…
Simply minimize the chances of suffering from a blood clot after a recent surgical procedure, what you’re generally going to find is that once you’re surgery has been performed and you’ve been “cleared” of any complications, your Xarelto prescription should have very little (if any) effect on your life insurance application.
Now if you Xarelto has been prescribed due to blood clots…
The good news is, if you no longer have a blood clot and if it has been two or more years since your last episode, you can be on a blood thinner such as Xarelto (rivaroxaban), and still have a shot at the best rate class.
For more serious conditions such as pulmonary embolism, or if you have multiple occurrences, you will probably receive a standard rate class, at best.
If it has not been two years since your last episode then you will need to consider burial insurance from the top final expense and burial insurance companies where there are no health questions and no medical exam.
What about arrhythmias?
Unfortunately, the term “arrhythmia” can encompass a wide variety of conditions with a wide variety of potential outcomes. This is why, you’re generally going to find that the insurance companies are going to need to ask you a whole series of questions so that they can get a better idea about what “type” of arrhythmia you have and determine if you’ll make a good candidate for coverage.
Common questions you’ll likely be asked would include:
- What type of arrhythmia do you have? Is it a symptom of another disease?
- How long have you had irregular heartbeats?
- How often do you experience irregular heartbeats?
- When you experience irregular heartbeats, how long does it last?
- Does your arrhythmia keep you up at night or cause you to miss work?
- Have you had any complications due to arrhythmia?
- Have you ever been hospitalized or visited an emergency room for arrhythmia?
- Have you ever worn a heart monitor to assess your heartbeats? If yes, what was the outcome?
- Do you visit a cardiologist regularly? If yes, what has your cardiologist said about your arrhythmia?
- Are you currently taking medication? If yes, what medication do you take?
- Do you engage in any risky behavior that could further aggravate your arrhythmia such as smoking, drinking excessive caffeine, or alcohol?
These answers to these questions will help a life insurance company to determine your overall risk level. After they gather more information about your case, they will decide whether to underwrite your policy, and if they need to charge you a premium. To “have arrhythmia” is much too vague to determine if you will qualify and how much you will pay for the different types of life insurance policies. For those with a history of heart disease looking for life insurance you may need to consider choosing burial insurance from among the best final expense and burial insurance companies.
The Good News is that…
We here at TermLife2Go work as an independent life insurance brokerage that is able to work with dozens of different life insurance companies so that regardless of how “challenging” your life insurance application may be, we’ll do our very best to help you find the absolute best life insurance policy that you can qualify for!
Ready to see…
What you may have to pay? Well if so, simply visit our page: Life Insurance Quotes and then if it looks like we may have a good fit for you, just give us a call!
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.
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