We’ll often get calls from people who are wondering if their prescription for Zestril (a hypertension medication) is going to affect the outcome of their life insurance application. And while it’s true that in most cases, using a prescription medication to control your blood pressure levels will actually improve your chances of getting a great rate on your life insurance (controlled blood pressure vs uncontrolled), because Zestril can also be used by those with more complicated health conditions beyond just normal hypertension, one must fully understand “why” you’ve been prescribed Zestril before we can definitively know for sure how it will affect the outcome of your life insurance application.
Zestril is a prescription medication that is categorized in a group of drugs called ACE inhibitors and is used to treat high blood pressure (hypertension), and congestive heart failure. Zestril has also been shown to improve survival after a heart attack.
So whatcha got?
Now if you’re simply using your Zestril to lower your blood pressure and you don’t have a history of heart disease, and you’ve never suffered from a heart attack, there’s a really good chance that you should still be eligible for a Preferred or Preferred Best rate class, assuming that you would otherwise qualify.
However, if you do have a history of heart disease or you have suffered from a heart attack, knowing what you will and won’t be eligible for is going to be a bit more challenging. For clients with a more “complicated” medical history, insurance companies will generally like to learn more before they’ll decide to pay for a medical exam or order medical records from you doctor.
Questions that commonly used to learn more about your pre-existing medical conditions may include:
- How old were you when you were first prescribed Zestril?
- How long have you been taking Zestril?
- Who prescribed your Zestril? A general practitioner or a cardiologist?
- What is your current height and weight?
- Why have you been prescribed Zestril?
- Have you ever suffered from a heart attack?
- Have you been diagnosed with heart disease?
- Over the past 12 months has your Zestril prescription changed?
- Are you taking any other prescription medications?
- In the past 12 months, have you used any tobacco or nicotine products?
- In the past 12 months, have you had an EKG performed and if so, what were the results?
- In the past 12 months, have you had a cardiac stress test performed, and if so, what were the results?
- Have you ever been hospitalized as a result of a heart condition?
- 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 what “type” of life insurance policy you may or may not qualify for in addition to what “rate” class you may also be eligible for.
Insurance companies may also decide that in order to make a decision on your life insurance application, they may also need to order medical records from your doctor as well.
For those who have been diagnosed with cardiac failure or have just recently suffered from a heart attack (six months or less), it may be impossible to qualify for a traditional term or whole life insurance policy at this time. Which is why you may need to consider what is called a Guaranteed Issue life insurance policy until some point in the future where you may be eligible for a life insurance policy that will ask questions about your current health status.
The good news is that…
We here at TermLife2Go aren’t afraid of taking on a challenge or working super hard to help those more “challenging” cases get approved!
Ready to see…
What you may have to pay? Well if so, simply visit our page: Compare Medical Exam Required and No Medical Exam Life Insurance Quotes and then if it looks like we may have a good fit for you, just give us a call!
So what are you waiting for? Give us a call today and see what we can do for you!