We don’t often have folks ask us if their Zyrtec, Zyrtec-D and/or Zyrtec Syrup prescription is going to affect their life insurance application, because after all, Zyrtec is simply a prescription medication used to treat allergies so why should it?
In fact, even though one of the questions on most life insurance applications is:
“Are you currently taking any prescription medications?”
Most life insurance applicants seem to forget their even taking Zyrtec because it doesn’t seem to “register” as being a prescription medication.
And the truth is…
Taking Zyrtec SHOULDN’T affect the outcome of your life insurance application. In fact, even though Zyrtec will appear on a prescription database check, it really won’t be something that most life insurance underwriters will even look twice at.
About Zyrtec, Zyrtec-D and/or Zyrtec Syrup.
Zyrtec (cetirizine) is an antihistamine that reduces the effects of the natural chemical histamine found in the body. Histamine can produce symptoms of sneezing, itching, watery eyes, and runny nose, in addition to the symptoms commonly found in the common cold.
But that doesn’t mean that…
You, or your life insurance agent, should simply ignore the fact that you take Zyrtec, especially if you’re considering applying for a life insurance policy that may require a medical exam.
Here at TermLife2Go, our main goal is to help you find the best life insurance policy that you can qualify for. To do this, we’re going to help you “shop” dozens of different life insurance companies and examine all of your life insurance options.
These options will include different types of life insurance policies, different coverage amounts and exam vs no exam term and whole life insurance options.
Our services (which are always free to you) will also include…
Tips on how to best prepare for a life insurance medical exam, if it looks like this would be your best option.
With that in mind, does it really make a lot of sense to have a client take a medical exam when they’re getting “bombarded” by allergy attacks?
After all, you’re much more likely to get “better” results on your life insurance medical exam when you’re well hydrated, rested and relaxed.
Now does that sound like someone who is suffering from allergies who is sneezing, and suffering from itching, watery eyes, and runny nose? Probably not!
This is why it’s so important to have an “open” relationship with your life insurance agent so that he or she can make sure that if you do need to take a medical exam to get the best type of policy that you’re looking for, he or she can make sure that its scheduled during a time that will be most advantageous for you!
We wouldn’t recommend that someone who is currently suffering from the flu go take a medical exam for their life insurance policy which is why we also wouldn’t recommend it of someone who is suffering from allergies!
But we also don’t want…
Someone who currently doesn’t have any life insurance place now go another day without life insurance in place! Particularly for those who have been considering getting life insurance in place for years and are only now deciding to get it done!
Ok, now that you’ve got a basic idea about what the “process” of getting insured will look like, you’re probably also wondering what your insurance policy might cost. If so, just click on our Best Life Insurance Quotes page and you’ll be taken to our quote engine which not only allows you to compare different insurance companies, it also lets you sort out which policies will require you to take a medical exam and which ones won’t!
So what are you waiting for? Give us a call today and see what we can do for you!