We’ll often get calls from clients who are wondering if their high blood pressure medications are going to affect their life insurance application, after all according to the CDC, nearly 70 million American adults have high blood pressure.
Or to put that another way, 1 out of every 3 adults that calls us on the phone is probably going to have high blood pressure!
Which is why it’s “sorta” nice to actually get a call from someone who has already been diagnosed and is treating their high blood pressure because now, we don’t have to worry about any “unexpected” high blood pressure “discoveries” during the actual application process.
The only problem when it comes to Troprol XL (metoprolol, Lopressor) is that it’s one of those “tricky” high blood pressure medications that can not only be used to treat angina and hypertension, it can also be used to treat or prevent a future heart attack!
So whatcha got?
Knowing why you’ve been prescribed Troprol XL (Metoprolol, Lopressor) is going to go a long way in determining how much of an affect that it will have on the outcome of your life insurance application.
For those that are simply using their Troprol XL (Metoprolol, Lopressor) to treat “normal” high blood pressure without a previous history or concern for heart disease, Preferred life insurance rates should still be possible.
However, for those that do have a history of heart disease, or have experienced a pervious heart attack, the insurance companies are going to want to know more about your pre-existing medical condition prior to making any type of “offer” of coverage.
Common questions insurance companies will ask to learn more about your pre-existing condition can include:
- Why have you been prescribed Toprol XL?
- At what age where you prescribed Toprol XL?
- How long have you been taking Toprol XL?
- Is Toprol XL the only prescription medication that your taking?
- Has your Toprol XL prescription changed over the past 12 months?
- Who prescribed your Toprol XL? A general practitioner or a cardiologist?
- Have you been diagnosed with heart disease?
- Have you ever suffered from a heart attack?
- Have you ever had an EKG performed? And if so, how did you preform?
- Have you ever had a cardiac stress test performed? And if so, how did you do?
With answers to these basic questions in hand, the insurance companies will now be able to decide which “types” of life insurance policies you may or may not be eligible for as well as determine whether or not they may need to order medical records from your doctors in order to learn more.
We here at TermLife2Go…
Will also have a pretty good idea about what “types” of life insurance policies you’ll most likely be eligible for as well as “which” life insurance company we feel will offer you the best deal out there.
If you one of those individuals who are simply using your Toprol XL to treat “normal” hypertension with the absence of any heart disease, we’ll also typically recommend that you take a look at some of the “newer” no medical exam, term and whole life insurance options that are now available that could potentially reduce your approval times to less than 24 hour’s vs having to wait up to 2 to 4 weeks for an approval from a life insurance carrier that does require that you take a medical exam!
So what are you waiting for? Give us a call today and see what we can do for you!
Ok so who’s ready…
To check out what it’s actually going to cost to purchase your life insurance policy? We’ll if you’re ready, we would advise you to check out our Free Life Insurance quotes page which will allow you to simultaneously compare dozens of different life insurance quotes by dozens of top rated companies!