6 minutes | Dec 19, 2017

Zoloft Life Insurance Eligibility

If you have been prescribed Zoloft (sertraline), you may be wondering about Zoloft life insurance eligibility. Getting approved for life insurance with a Zoloft prescription history is possible… if you have the right insurance agent and insurance company! There are many medications used to treat depression. Celexa, Cymbalta, Lexapro, Paxil, Wellbutrin, and Zoloft are some of the more commonly prescribed depression medications. In this article, we will offer some background on life insurance underwriting and eligibility when taking Zoloft (or if you have Zoloft in the past). We are experts in getting people who have been prescribed Zoloft approved for affordable life insurance rates. What is Zoloft? Zoloft is a prescription medicine that is commonly used to treat patients with depression. Zoloft is an antidepressant medication used to treat the following conditions: Anxiety Depression Obsessive-compulsive disorder Panic attacks (panic disorder) Post-traumatic stress disorder Premenstrual dysphoria What are the side effects of Zoloft? Many medications can help treat depression, but also may have unwelcome side effects. Here are some side effects of Zoloft: Abnormal ejaculation Changes in appetite Constipation Decreased sex drive Diarrhea Difficulty having an orgasm Dizziness Drowsiness Dry mouth Dry mouth, and Headache Impotence Nausea Nervousness Skin rash Sleep problems (insomnia) Sleepiness Stomach pain Tired feeling Upset stomach Weight loss. How do life insurance companies view depression and depression medications? It’s estimated that 8 to 10 percent of the population in the United States uses some form of antidepressant medication. It is not surprising that we receive so many calls about Zoloft life insurance eligibility. Life insurance companies will want to know what medications you are taking, and what other medications you have taken in the past. While medications like Zoloft can dramatically improve the quality of life of a person with depression, life insurance companies will still want to know about the patient’s underlying depression diagnosis and long-term prognosis. Life insurance companies will want to know about any pre-existing conditions before issuing and approving any life insurance policy. When determining your Zoloft life insurance eligibility, the insurance company will want to know the following information: When were you diagnosed with depression or a related medical condition? Age at which you were prescribed Zoloft Amount of time you have been taking Zoloft Other medications besides Zoloft that have been prescribed What type of doctor prescribed Zoloft (general physician or psychiatrist) Are you taking multiple medications? Has your Zoloft prescription or dosage changed in the last year? Have you ever been hospitalized due to depression or a related medical condition? Do you have a history of alcohol or drug abuse? Do you have a poor driving record or serious driving infractions (suspended license, DUI, or multiple moving violations)? Are you currently employed? Have you received or applied for disability benefits in the last 12 months? In addition to depression or Zoloft-related medical condition questions, the life insurance companies will also want to know your: Age Gender Height and weight Other health and history, or family health history Occupation and income Dangerous hobbies Honestly answering these questions will help the life insurance companies to assess your unique physical, medical, and prescription background so that they can offer you the best life insurance policy available. In some cases, the life insurance companies will need to order medical records and doctors’ records in order to verify your health status, your physical diagnosis, your prescription history, your compliance with doctors’ orders, and your long-term prognosis. With all of these questions, it is common for life insurance shoppers to worry about their Zoloft life insurance eligibility. Many life insurance shoppers wonder if they should stop taking Zoloft before submitting your life insurance application. We do not recommend this. One thing the life insurance companies want to see in their potential life insurance applicants is compliance with their doctor’s medical and prescription plans. If you take your medications as prescribed by your doctor, you will become more insurable, rather than less insurable. Which insurance company is best for Zoloft life insurance eligibility? Not all companies look at your Zoloft usage and underlying depression (or other medical conditions) in the same manner. This is good news. What this means is that we can shop around for you for a life insurance company that views your unique medical history more favorably. We work with 40+ insurance companies to assure that we have the best availability of policy types to get our clients approved when taking Zoloft or any other prescription. Will my depression be viewed as a pre-existing condition? Yes, it will. As mentioned before, the most important thing the insurance companies will want to know is if you are seeing a doctor and are compliant with taking your medications. A positive medical history in these areas gives you the best opportunity to get approved at great rates. Why should I choose Life Wealth Win to help me with my Zoloft life insurance plan? We are an independent life insurance brokerage company that works with 40+ life insurance companies. Our only mission is to get you qualified for the best available life insurance policies, at the best possible rates. Life Wealth Win agents are specialists in healthy to high-risk life insurance underwriting and eligibility. If you are just “shopping around” for life insurance rates, but don’t want to talk with an agent right now, just click on our free life insurance quotes to view your life insurance options instantly. If you feel more comfortable talking with someone one-on-one, call us at (888) 435-4342, and we can answer all your questions. What happens if I get sick, injured, or physically disabled, but don’t die? An affordable short term disability policy is a fantastic addition to an affordable life insurance policy. Becoming disabled is the leading cause of financial stress and long-term financial disasters. If your financial future will be harmed by a period of unemployment due to a disability, visit our private short-term disability insurance page or call us at (888) 435-4342 and we can help get you protected. Conclusion If you have been diagnosed with depression or another medical condition for which you are prescribed Zoloft, call us to help you understand your Zoloft life insurance eligibility options. At Life Wealth Win, we specialize in healthy to high-risk life insurance cases. We can help you to understand your life insurance options with a Zoloft prescription history. We work with clients across the nation to get the best life insurance rates possible. If are taking Zoloft, we can help you get the best life insurance rates. The post Zoloft Life Insurance Eligibility appeared first on Life-Wealth-Win.
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