Nowadays what usually happens once someone has been diagnosed with high blood pressure or hypertension is that they’ll typically advised to eat a healthy diet, get more exercise and take a prescription medication designed to lower one’s blood pressure levels.
There are SO many different prescription medications on the market right now that can be used to help someone control their blood pressure, it’s not all that uncommon for someone to “experiment” with several different medications until they find one that works the “best” for them.
Is one of those medications that can often times be prescribed to someone who is simply looking to lower their blood pressure and thereby increase their overall “cardiac” health.
The problem is…
That Atenolol (Tenormin) is also a medication that can be frequently prescribed to individuals after they have suffered a heart attack. This is because, atenolol has been clinically proven to reduce the risk of DEATH to those who have suffered from a heart attack.
From a life insurance application stand point, the question then becomes, are you taking Atenolol simply to lower your blood pressure? Or are you taking it because you’ve recently suffered from a heart attack and your doctor has prescribed it in an effort to help save your life?
Life insurance companies don’t necessarily want to order medical records or require every applicant who has been prescribed Atenolol in the past to take an EKG in order to be able to qualify for a traditional term life insurance or whole life insurance policy they’re going to want to ask you a series of questions to try to get an “initial risk” assessment of you and determine whether or not you will be a good risk for them to insure.
Questions you’ll likely be asked if you’ve been prescribed Atenolol may include:
· When were you first prescribed Atenolol?
· Who first prescribed your Atenolol? You’re primary care physician or a cardiologist?
· Why were you prescribed Atenolol?
· How long have you been taking Atenolol?
· Are you taking any other prescription medications to treat your blood pressure?
· Have you ever suffered from a heart attack?
Now if you’ve suffered from a heart attack…
Don’t immediately think that you’re no longer going to be able to qualify for a traditional term or whole life insurance policy, just understand that the insurance companies are probably going to have some more “detailed” questions about your heart attack before they will be willing to provide coverage.
Questions you’ll likely be asked if you’ve previously suffered from a heart attack may include:
· How old were you when you suffered your first heart attack?
· How many heart attacks have you suffered from in total?
· What was the date of your last heart attack?
· How are you treating your heart diseases? Diet and exercise? Medications? Surgical procedures?
· What is your current height and weight?
· How often to you see your primary care physician?
· Have you been diagnosed with any other pre-existing medical conditions?
· In the past 12 months have you used any tobacco or nicotine products?
· When was the last time you had an EKG performed? What were the results?
· When was the last time you took a cardiac stress test? What were the results?
· 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 on “what” types of life insurance policies you may or may not be eligible for as well as what “rate” class you may be able to qualify for.
And this is where…
TermLife2Go comes into play. You see, here at TermLife2Go, we work as an independent life insurance brokerage that works with dozens of different life insurance companies. Insurance companies that offer a wide variety of products including:
· Traditional term and whole life insurance policies (policies that will require one to take a medical exam),
· Simplified issue or no medical exam life insurance policies,
· And guaranteed acceptance life insurance policies.
Which means that regardless of why you’ve been prescribed Atenolol, we should have plenty of options for you to choose from.
Now will we be able to help out everyone?
No, unfortunately, there will be some people who simply won’t be able to qualify for a traditional life insurance policy. There may even be those who aren’t currently eligible for a guaranteed acceptance life insurance policy as well. But that doesn’t mean that we won’t try our best to prevent this from happening!
So, what are you waiting for? Give us a call today or visit our Term Life Insurance Quotes page and see what we can do for you!
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.