Tobradex is one of those medications that we don’t frequently work with all that often because in general, by the time someone is actually applying for life insurance, the client has already stopped using it.
Tobradex (tobramycin and dexamethasone) is a prescription antibiotic that is used to treat bacterial infections of the eyes that can lead to glaucoma like symptoms. Now we don’t want to say that folks who have been prescribed Tobradex don’t decide to purchase life insurance, we’re simply saying that in our experiences, those who are in the process of “battling” an eye infection don’t frequently decide that it’s also a good time to rush out and apply for insurance.
For the record…
If you don’t currently have insurance, and you’re “battling” an eye infection, don’ let that stop you from applying. Any day without life insurance is simply another day that your putting your family at risk!
Which brings us back to our discussion which is… Will taking Tobradex affect the outcome of your life insurance application?
And the short and simple answer is, “No” taking Tobradex to treat an eye infection shouldn’t have any effect on the outcome of your life insurance application provided that they infection isn’t some type of symptom of a larger more serious condition.
So, no the obvious question would be: “If taking Tobradex isn’t going to affect my life insurance application, what will?
There are many factors that will come into play when determining what “type” of life insurance policy you’ll be eligible for and at what price. Now the easiest way to get a general idea of what insurance companies are going to be looking at is to take a look at some of the most common life insurance application questions.
Common life insurance application questions will include:
- How old are you?
- What is your current height and weight?
- Have you been diagnosed with any “serious” pre-existing medical conditions such as heart disease, stroke, cancer or diabetes?
- Has any of your immediate family members (mother, father, brother, sister) ever been diagnosed with cancer, heart disease, stroke or diabetes?
- Are you taking any other prescription medications other than Tobradex?
- In the past 12 months have you used any tobacco or nicotine products?
- In the past 12 months have you used any marijuana products?
- Do you have any issues with your driving record?
- Have you ever been convicted of a felony or misdemeanor?
- Do you have any set plans to travel outside of the United States within the next 2 years?
- In the past 2 years have you ever filed for or declared bankruptcy?
- Do you participate in any dangerous hobbies or activities such as sky diving, bungee jumping or rock climbing?
- Are you currently working now?
- In the past 12 months have you filed for or received any form of disability benefits?
From here the insurance companies will generally have a pretty good idea about your basic health and will know whether or not they may need to ask some additional questions before they can move forward in the underwriting process.
We here at TermLife2Go…
Will also have a pretty good idea about what types of policies that you may or may not be eligible for and will generally like to take a moment at this point during the application process to also take a look at some of the “newer” no medical exam, term and whole life insurance options that are now being offered by many of the “major” life insurance companies.
We particularly like to…
Examine these options for those who don’t currently have any life insurance coverage in place because these no medical exam options will generally reduce the approval times to less than 24 hour’s vs waiting up to 2 to 4 weeks for approval on a policy that does require a medical exam.
TermLife2Go operates as an independent life insurance brokerage that is able to work with dozens of different life insurance companies with one goal in mind which is, to help our clients find the “best” life insurance policy that they can qualify for!
So what are you waiting for? Give us a call today and see what we can do for you!
Lastly, because you may be eligible for a life insurance policy that will not require you to take a medical exam, we would encourage you to take a look at our Term Life Insurance Quotes page before you give us a call. This way you can get a general idea about what your insurance may cost before speaking with an agent.
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.