For those who are currently having a difficult time getting approved for life insurance, you may want to read the following articles which focus on difficult to place insurance policies: Best No Medical Exam Companies as well as our Best Final Expense Insurance companies and The Top 10 Easiest Life Insurance Policies to Get.
Trazodone is one of those medications where, when it appears on a life insurance application, it’s definitely going to raise a few questions.
Because Trazodone (Desyrel) is used to treat depression, insurance companies are going to want to know more about the severity of the depression that is being treated prior to being able to make any type of decisions about your life insurance application.
Trazodone (Desyrel) is an antidepressant that is classified as a serotonin antagonist and reuptake inhibitor (SARI).
Additionally, Trazodone (Desyrel) also has anti-anxiety (anxiolytic) and sleep-inducing (hypnotic) effects, which can cause additional concern for life insurance underwriters when considering your life insurance application.
Depression (also known as major depressive disorder or clinical depression) is generally defined as a mood disorder that causes persistent feelings of sadness and loss of interest in what one would typically find interesting.
Depression will often affect how you feel, think and behave and can lead to a variety of emotional and physical problems.
Now with nearly…
10% of all adult Americans taking some type of anti-depressant medication, what you’re generally going to find is that most of them are not taking their medications to treat a “severe” case of depression.
Rather, most cases of “depression” will tend to be on the more “mild” side of the depression “spectrum”. And for cases like these, applicants should still be eligible to qualify for a Preferred rate.
The trick for the life insurance companies then becomes…
Trying to determine who has a “mild” case and who has a “severe” case? Which is why you’ll generally be asked a series of questions about your depression prior to being approved for life insurance.
Common questions you’ll likely be asked about your depression:
- How old were you when you were first diagnosed with depression?
- How long have you been treating your depression?
- Is Trazodone the only medication that you’re using to treat your depression?
- Over the past 12 months has your Trazodone prescription changed?
- Who prescribed your Trazodone? A general practitioner or a psychiatrist?
- Was there any single event that trigger your depression?
- Have you ever been hospitalized for your depression?
- Have you ever considered suicide or attempted suicide?
- Do you have any history of drug or alcohol abuse?
- Do you have any issues with your driving record?
- Are you currently working now?
- In the past 12 months have you applied for or received any form of disability benefits?
From here, the insurance companies will generally have a pretty good idea about the severity of your depression and know what “types” of life insurance policies you’ll most likely be eligible for.
Additionally, they’ll also have a pretty good idea if they’ll need to order medical records from your primary care physical to learn more about your depression prior to being able to make a decision about your life insurance application.
We here at TermLife2Go…
Will also have a pretty good idea about what type of life insurance policy you’ll be eligible for as well as “which” life insurance company might be best for you. You see, here at TermLife2Go, we work with dozens of different life insurance companies in an effort to be able to provide you with the best life insurance policy that you can qualify for.
So what are you waiting for? Give us a call today and see what we can do for you!
Lastly, for those who don’t really want to speak with an agent before they have a chance to look at a few quotes, we would encourage you to check out our Life Insurance Rates page when you have a chance since it will provide you with dozens of quotes instantly!
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.