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 Final Expense Burial Insurance and Top 10 Best No Medical Exam Companies
Now whenever we get a call from a potential client that is requesting a quote for life insurance while also using Ultram ER (tramadol) we’re generally going to need to learn a couple of things first before we can make any type of “generalizations” about what types of life insurance policies they may or may not be eligible for and at what price.
In order to be able to accurately quote someone who is currently using Ultram ER to treat their pain, we’re going to need to know:
- Why you’ve been prescribed Ultram ER?
- How long you’ve been taking Ultram ER?
- And do you have any “symptoms” that could indicate that you may be abusing your prescription from Ultram ER?
That being said, however, let’s first take a look at exactly what Ultram ER is.
About Ultram ER.
Ultram ER (tramadol) is a synthetic opiate, that is used to relieve moderate to severe pain when treatment is needed around the clock. Now while Ultram ER is considered a week opiate, it can be abused just like any other opiates and can be just as deadly.
Questions that will commonly be used to learn more about your Ultram ER usage.
- Why have you been prescribed Ultram ER?
- How long have you been taking Ultram ER?
- Is Ultram ER the only prescription medication that you’re using to treat your pain?
- Over the past 12 months has your Ultram ER prescription changed?
- Do you have any history of drug or alcohol abuse?
- Do you have any issues with your driving record such as a suspended license, multiple moving violations or DUI?
- 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 how they should proceed with regards to underwriting your life insurance application.
For those who are simply using Ultram ER as a “short term” pain reliever for some type of medical condition or injury that will not require long term treatment, it’s quite possible that you’ll be eligible for a Preferred or Preferred Plus rate class without having to undergo any additional underwriting conditions.
For those who are using their Ultram ER to treat some type of medical condition that may require “long term” care or “future” medical procedures later on down the line, you may find that the insurance companies may require additional information from your primary care physician before they will be willing to make any type of decision regarding your life insurance application.
If it looks as though you’re taking several medications to treat your pain, or that your prescription has changed (become stronger) over the past 12 months, one should suspect that the insurance companies will ask some additional questions to insure that there aren’t any signs of abuse, prior to making any decisions regarding your life insurance application.
Don’t be, you see here at TermLife2Go, we have tons of experience helping those with pre-existing medical conditions find life insurance. So whether you’re Ultram ER prescription is only set to last for 2 weeks, or you’re not sure when you’ll be able to stop taking it, we’ve built our company around helping clients just like you!
TermLife2Go is an independent life insurance brokerage that works with dozens of highly rated life insurance companies with one goal in mind, which is, to help you find the best life insurance coverage that you can qualify for!
Tired of reading?
We bet you are, but before you leave us for good, we would strongly encourage you to check out our Instant Life Insurance Quotes page before you go and see if one of the companies that we work with will meet your needs!
So what are you waiting for? Give us a call today and see what we can do for you!