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Lisinopril Life Insurance Eligibility

Written by Life-Wealth-Win

If you have been prescribed Lisinopril (Prinivil and Zestril), you may be wondering about Lisinopril life insurance eligibility. Getting approved for life insurance with a Lisinopril prescription history for high blood pressure or heart attack is possible with the right insurance agent and insurance company.

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 Lisinopril life insurance eligibility has never been easier.  In this article, we will offer some background information on life insurance underwriting and eligibility when taking Lisinopril.

We can help people who have been prescribed Lisinopril approved for affordable life insurance rates.

WHAT IS LISINOPRIL?

Lisinopril is an ACE inhibitor prescription medication. This drug is being sold under the brand names of Prinivil and Zestril. It is used to treat high blood pressure (hypertension) and congestive heart failure.

Lisinopril has also been proven useful for people who suffered a heart attack.  The medication works by blocking a substance in the body that causes the blood vessels to tighten up. The vessels tend to relax when you take Lisinopril. This lowers the individuals’ blood pressure.

Taking Lisinopril increases the blood supply and oxygen supply in an individual’s heart thereby, lowering blood pressure and preventing heart failure in the user.

LISINOPRIL LIFE INSURANCE ELIGIBILITY

A life insurance underwriter may take a closer look at your application if you are taking Lisinopril because it may mean you have high blood pressure or may have suffered a heart attack. But this medication will typically have a little overall effect on Lisinopril life insurance eligibility, as well as a premium rate if you are in good health.

If you’re taking Lisinopril for at least six months to lower your blood pressure and you don’t have a history of heart disease, you can even qualify for a preferred or preferred plus rate.

But, if you’ve been diagnosed with heart disease, the severity of the diagnosis and your current health condition will have to be determined to understand what type of life insurance policy you’ll be eligible for and what rate.

The key to getting the best rates with people taking Lisinopril for high blood pressure is making sure your blood pressure is within healthy guidelines for the life insurance company to accept you. Also, apply to a life insurance company that is favorable to high blood pressure underwriting.

HOW DO LIFE INSURANCE COMPANIES VIEW HYPERTENSION AND HYPERTENSION MEDICATIONS?

People with high blood pressure are at a higher risk for heart attacks, cardiovascular disease and even strokes making them a higher risk for life insurance company.  The life insurance company will assess your risk through underwriting to know if you will qualify for life insurance coverage while taking hypertension medications,

Taking Lisinopril to control high blood pressure is always favorable for both you and the life insurance company.

Taking high blood pressure medication shows the life insurance company that you perform initiatives to keep your high blood pressure within the normal range. This can even lead to preferred life insurance rates.

There is a need to undergo a medical examination if the life insurance applicants are taking Lisinopril, especially if the amount of coverage they want is in a higher face amount range.

THE INSURANCE COMPANIES WANT TO KNOW THE FOLLOWING TO DETERMINE YOUR LISINOPRIL LIFE INSURANCE ELIGIBILITY:

  • Your age
  • Your height and weight
  • Have you been smoking in the past 12 months?
  • What condition have you been diagnosed with?
  • What is your current health condition?
  • Did you have a heart attack? How long ago did it occur?
  • Have you’ve been hospitalized in the past 12 months?
  • How often do you see your doctor?
  • Who prescribed Lisinopril to you?
  • What is the amount of your Lisinopril dosage?
  • Has the amount of your Lisinopril dosage changed over time?
  • What are the results of your recent EKG?
  • What were the results of your recent cardiac stress test?
  • Other than Lisinopril what prescription medications do you take?
  • Do you have a history of heart disease in your family?
  • Are you currently working now?
  • Have you received any form of disability benefits in the past 12 months?

With this information, the life insurance carrier will be able to determine your Lisinopril life insurance eligibility, as well as the appropriate amount of premium to be charged with obtaining all of your information.

The information you will provide will make the life insurance companies determine if they will have to order medical records from your doctor to be able to decide on whether to proceed with your life insurance application.

WHAT ARE THE HEALTH FACTORS THAT MAY IMPROVE YOUR RATE CLASS?

These are the health factors that can help improve your overall rate class and lower your cost of life insurance even if you are taking Lisinopril:

  • No tobacco use in the last 10 years will help you obtain a better rate class for a policy.
  • A healthy lifestyle. Participating in exercise or wellness program or having annual checkups with your doctor may give you eligibility for an underwriting credit.
  • A cholesterol ratio of 4.5 or less will give you credit based on lower cholesterol risk.
  • Favorable family history. You will qualify for insurance credit if both of your parents live to be 75 or older. If you have siblings they will check if they have cardiovascular disease or cancer.
  • Normal cardiac function. If your cardiac test for the last two years were normal, you might be eligible for underwriting credits.

HOW MUCH WILL YOUR COVERAGE COST?

The amount of life insurance coverage is dependent upon the type and amount of policy you choose, as well as your age, gender, and overall health condition.

It is possible for people taking Lisinopril to obtain a preferred premium rate on life insurance if you are in excellent overall health, and have a family history of excellent health.

You’ll get a standard rating if your health is at the average level. In this case, your premium will be more in line with that of an average policyholder. If your health is below average, you’ll get a substandard classification and a higher premium rate because of the high-risk life insurance classification.

It doesn’t matter if you are taking Lisinopril or any blood pressure medication. Most life insurance companies are more concerned if your blood pressure is controlled or within the normal range.

The examiner will typically take three blood pressure readings during the exam and average results. If you’re not able to qualify for a medically underwritten policy while taking Lisinopril, it’s still possible to obtain life insurance by applying for a no medical exam life insurance plan.

CONCLUSION

If you have been diagnosed with hypertension or another medical condition for which you have been prescribed Lisinopril, you can still qualify for a preferred or preferred plus rate.  Call us to learn about your Lisinopril insurance eligibility options.

When seeking life insurance while taking Lisinopril, it is best to work with us. We have access to more than 40 insurance carriers so you can compare many different options.

Life Wealth Win specializes in healthy to high-risk life insurance cases. We work with clients across the nation to get you the best life insurance rates.

About Life-Wealth-Win
About Life-Wealth-Win

We work with individuals across the nation to secure the best life insurance rates.

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