We often receive inquiries from people who have been prescribed Losartan to control their high blood pressure. Life insurance with Losartan is a common concern for people shopping for affordable life insurance. We can help you understand your Losartan life insurance eligibility options so that you can qualify for the lowest premiums.
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.
Most life insurance companies have acceptable high blood pressure ranges for people with hypertension. Some companies may even overlook Losartan prescription as long as it keeps your blood pressure at a normal rate.
Different companies have different guidelines, and they have a different view on the significance of hypertension.
If you are a Losartan user, we can help you shop around for companies that will offer the best rates. We routinely get life insurance approvals at great rates for clients who are taking Losartan.
WHAT IS LOSARTAN?
Losartan is an angiotensin II receptor antagonist. It keeps blood vessels from narrowing, which improves blood flow and lowers blood pressure.
Losartan is used to treat hypertension (high blood pressure). It is also used to lower the risk of stroke in certain people with heart disease.
Losartan is also used to slow long-term kidney damage in people with type 2 diabetes who also have high blood pressure.
WHY DO DOCTORS PRESCRIBE LOSARTAN?
Losartan is prescribed by doctors to treat or improve cardiovascular condition symptoms as hypertension or heart failure. People who have tried ACE Inhibitors and experienced uncomfortable coughing may also be prescribed Losartan.
CONDITIONS TREATED BY LOSARTAN:
- High blood pressure
- Heart failure
- Kidney disease
WHEN DO DOCTORS PRESCRIBE LOSARTAN?
- Upon receiving a high blood pressure diagnosis
- After a heart attack or cardiac surgery.
IS IT HARD TO GET LIFE INSURANCE IF YOU ARE TAKING LOSARTAN?
High blood pressure or hypertension is one of the most common afflictions of people today. In fact, 10s of millions of Americans are diagnosed with high blood pressure.
Losartan, Lisinopril, Metoprolol, and Atenolol are some of the prescriptions for high blood pressure.
When you are prescribed Losartan and applying for a life insurance policy, most insurers will consider high blood pressure to be a risk factor.
In many cases, even if you have been taking Losartan for high blood pressure, you can still qualify for the best life insurance rates. However, the premiums could be a bit higher compared with someone who does not have it.
A higher risk applicant means higher life insurance premiums.
In some instances, your application might be declined if you are taking Losartan because of a heart attack.
If you have high blood pressure, don’t panic. Always remember that many people respond well to medications that help lower their blood pressure. If your Losartan has successfully reduced your blood pressure levels, these medications will have little effect on your life insurance costs.
A lot will depend on the life insurance company that you are applying for. There are different companies, and each one of them has a different view on high blood pressure. If you have high blood pressure and taking Losartan, we will help you shop around to find the company that will offer you the best rate.
WHY DO LIFE INSURANCE COMPANIES CARE ABOUT MY MEDICATIONS?
The life insurance business is based on risk, and insurers want to see that you are taking the necessary steps to live a long and healthy life. Your prescription history together with the medical qualifying questions on your application offer insight on how healthy you are.
There are specific risks associated with the use of prescription medications like Losartan.
Why you were prescribed Losartan is the most crucial factor in determining your life insurance rates.
Insurers see it as a red flag when you have an extensive list of medications. They are aware that prescription medications can be a cause of a new illness or condition. This is the reason why they consider not only the medicines that you are on, but the combination and their potential risk.
It’s better to fully disclose any medications that you are taking, as well as any medical conditions that you have been treated for in the past.
Only trust a knowledgeable and experienced life insurance agent! They will know the best way to deal with your unique medical condition and health issues.
Always inform your agent of your medical impairments, and then go with their expert recommendations. This is your best to get your life insurance policy approved at the best possible premium rate.
HOW HIGH BLOOD PRESSURE EFFECTS PREMIUMS
Insurers will raise premiums to account for the different risks that are caused by high blood pressure. Hypertension is often an early indicator of cardiovascular diseases such as heart attack and stroke.
Life insurance companies consider high blood pressure as a risk factor. And people with high blood pressure are put in a higher risk category.
Life insurance companies will evaluate your overall health; this includes lifestyle and habits.
The specific level of your blood pressure plus the relationship of your weight to your height will be taken into consideration. The amount of exercise you perform on a routine basis will also be considered.
BLOOD PRESSURE RANGES
Your most recent blood pressure reading along with your history will be looked over by your insurance underwriter. This blood pressure reading will determine the status of your risks for a life insurance policy.
Regular – Reading should not exceed 150/190 for people who are taking medications. The readings may be higher for the older age group. For example, people who are over 50 or 60 may get a regular policy if their blood pressure readings are a bit above these levels.
Preferred – Reading should be kept at 140/90 on a regular basis when using medication and at 150/90 when off medication. You can get premiums that are a little lower than those in the regular classification.
Preferred Plus – Readings should be under 140/90 without medications. Readings like this indicate that you don’t have high blood pressure and you would be eligible for the lowest premium rates.
Our agents at Life Wealth Win are expert at life insurance underwriting, and we can help match you with the company that is the best fit for your overall health profile.
If you are taking Losartan, we’ve got the best company for you.
If hypertension is a health problem and you’re struggling to control it, we’ll shop for the best company that will likely offer you underwriting credits. If you have more than one health issue, we will help you find the company that will give you the best life insurance rates.
We specialize in healthy to high-risk life insurance cases. We can help you to understand your life insurance options with a Losartan prescription history.