Speak with an experienced advisor! If you’re reading this article, chances are you are asking yourself if you can qualify for life insurance while taking Atenolol. It’s most likely that you are taking this medication to control your blood pressure. In this article, we will help you understand your Atenelol life insurance eligibility options.
More than 1 in every 3 American suffer from hypertension, so most high blood pressure medications like Metoprolol, Lisinopril, Losartan, and Atenolol often pass through underwriting with no issue. However, whether you get the best rates in the market depends on who you work with.
Obtaining a great life insurance rate while taking Atenolol has never been easier. In this article, we will offer some background information on life insurance underwriting and eligibility when taking Atenolol.
We can help people who have been prescribed Atenolol approved for affordable life insurance rates.
WHAT IS ATENOLOL?
Atenolol is in a class of drugs known as beta-blockers. Beta-blockers affect the heart and blood circulation. It works by blocking certain natural chemicals in the body, such as epinephrine, on the heart and blood vessels. This effect lowers the blood pressure, heart rate, and strain on the heart.
Atenolol is used to treat chest pain and hypertension. It lowers high blood pressure thereby preventing heart attacks, strokes, and kidney problems. This medication has been clinically proven to reduce the risk of death to people who suffered from a heart attack.
CAN YOU QUALIFY FOR LIFE INSURANCE WHILE TAKING ATENOLOL?
The quick answer is YES; many life insurers will even let you qualify for the best health rating, despite taking Atenolol.
If you are being treated and your blood pressure is well controlled, you may be eligible for the best rates if you are in excellent health.
Never think that you’re no longer going to be able to qualify for a traditional term or whole life insurance policy because you have high blood pressure. Understand that the insurance companies will ask a detailed question about your high blood pressure before they provide coverage.
This means that regardless of the reason why you are taking Atenolol there are still plenty of options for you to choose from.
Will taking Atenolol or other hypertension medications make getting life insurance more difficult?
The higher your blood pressure, the higher your chances become that you will be excluded from best life insurance rates and policies. However, there still insurers that will offer favorable rates for an individual with hypertension or be being treated for high blood pressure.
Does taking blood pressure medication disqualify me for the best rates?
No, it doesn’t!
On the contrary, insurance companies prefer that you take medication so your blood pressure remains at the normal level.
Most life insurance companies prefer that your blood pressure readings are in the prehypertension range or better to get their preferred rates.
Underwriters will want to have more details regarding why you have been prescribed Atenolol, as well as the amount of the dosage you’re taking.
Here are some questions the underwriters will ask if you are taking Atenolol:
- When were you diagnosed with high blood pressure or heart failure?
- What is your health condition that prompted the prescription of Atenolol?
- What is the amount of your Atenolol dosage?
- Has the amount of your Atenolol dosage changed over time?
- Do you have any appropriate testing performed within the past six months?
- How do you manage your health condition?
Underwriters want to know if you are taking Atenolol to lower your blood pressure, or you are taking it because you’ve recently suffered from a heart attack and your physician has prescribed it to help save your life.
Life insurance companies don’t require every applicant who has been prescribed Atenolol to produce medical records or take EKG to qualify for most traditional term life insurance of whole life insurance policies.
They will ask you a series of questions to get an “initial risk” assessment. This will determine whether or not you will be a good risk for them to insure.
Not all Atenolol high blood pressure cases are the same, and different life insurance companies approach high blood pressure differently.
Be sure to use an independent agency, like Life Wealth Win. We are experts in the ins and out of underwriting guidelines. We will shop around to find the best possible rates for your particular circumstances.
LIFE INSURANCE WHILE TAKING ATENOLOL OTHER CONSIDERATIONS
In addition to medications, insurers always look at the total health and lifestyle of the applicant when they are doing their underwriting. Here are other factors they will generally look at when deciding whether to offer a life insurance policy to a life insurance applicant taking Atenolol:
- Smoking
- Family History
- Height and Weight
- Level of physical activity
- Other medical conditions related to hypertension such as blood sugar levels, cholesterol levels, poor eyesight, etc.
- Diabetes
- Occupation
When you are taking Atenolol, your life insurance premiums eligible for you may be limited. However, it is possible to get a favorable policy for a low rate if your blood pressure is steady under control.
Your overall health and lifestyle will also be a factor. If you quit smoking and you have no other health problems, you will likely get more favorable life insurance offers.
TIPS FOR BETTER LIFE INSURANCE RATES
Here are some essential tips to improve your life insurance rates:
- Increase your physical activity. Research shows that moderate exercise like brisk walking can help reduce high blood pressure for both men and women.
- Keep your blood pressure under control with medication. Insurers will give you high ratings (and lower premiums) if your blood pressure is kept under control.
- Eat a healthy diet. Avoid high sugar and high cholesterol foods. Eat more green and leafy foods like fruits and vegetable.
- Stop smoking and reduce alcoholic beverages intake.
WHAT ARE OPTIONS FOR PEOPLE UNDER HIGH-RISK CATEGORY?
Acquiring life insurance for high-the risk individuals or people with a pre-existing condition is ultra important as their health is already compromised.
An option for people under high-risk life insurance category is to consider applying for a no exam life insurance policy or guaranteed acceptance plans.
These can cost a little more, but they are available to individuals who are taking Atenolol with more complicated health histories.
CONCLUSION:
You can still qualify for life insurance if you have been diagnosed with hypertension or other medical conditions for which you are prescribed Atenolol. When seeking life insurance while taking Atenolol, it is best to work with an agency that has access to more insurance carrier so that you can compare many different options.
We can help submit your information to many different life insurance companies that are lenient with high blood pressure applicants.
High-risk life insurance cases are the specialization of Life Wealth Win. We can help you to understand your life insurance options with an Atenolol prescription history. Give us a call today at (888) 435-4342, or fill in our Instant Quote box and we will get you the best rates!
