Having any painful health condition such as arthritis can be a detriment to your everyday living – and in turn, your entire life. So, managing or controlling your symptoms can be essential to remaining active.
Today, there are several different types of medication that are often prescribed for those who suffer from arthritis. These may be able to reduce – or even eliminate – the pain that is incurred in the joints, bones, and surrounding areas, and allow you to still enjoy many things.
One such drug is Celebrex. This med works by reducing the hormones that can cause pain and inflammation in the body. But, even with these advantages, this medication may or may not be the best anti-inflammatory drug to take if you have arthritis.
How Celebrex Works For Arthritis
Celebrex, also known by its official name of Celecoxib, is a type of anti-inflammatory medication that is used for those who have arthritis and other conditions that incur joint and other forms of pain. It can also be used in the treatment of hereditary polyps in the colon.
This medication is often prescribed for the pain and / or inflammation that can be caused by some conditions, such as arthritis, spondylitis, ankylosing, and menstrual cramps. It is also used for the treatment of juvenile rheumatoid arthritis in children who are at least two years of age.
As with most other types of medications, Celebrex has various side effects – some that can be quite serious – including fatal stroke or heart attack. The likelihood of these effects can be increased for those who take high doses of Celebrex, and / or those who take this medication for a long period. It can also promote harmful side effects for those who already have heart disease.
Additional side effects may include bleeding in the stomach or intestine – which may also be fatal. And, because these effects can come on very quickly and without warning – especially in older adults – it is important for individuals to seek medical treatment right away if they occur.
For these reasons, taking Celebrex may have an effect on the outcome of your life insurance with arthritis application. In order to truly determine the potential risks, though, it is important for the life insurance underwriters to do a thorough review of your overall health and health history.
Will Taking Celebrex Affect Your Life Insurance Application?
Due to the possible negative side effects of Celebrex, the insurance company that you are applying with will want to know as much as possible about your taking of this medication, as well as your health.
In most cases, insurance companies will require that you submit a completed application for coverage. This application will ask you for information such as your:
- Marital Status
- Occupation and Income
- Smoking Status
- Other Tobacco Usage
- Alcohol Consumption
- Overall Health History
- Family Health History
- Foreign Travel Frequency
- Hobbies and Habits (especially those that may be considered risky)
- Other Life Insurance Coverage In Force (and the amount)
You will also likely need to answer some additional condition related questions, as well as questions regarding your usage of Celebrex, such as:
- When were you initially diagnosed with arthritis?
- What are you currently doing to manage and / or control your arthritis?
- When did you begin taking Celebrex?
- What is your current dosage for Celebrex?
- Has your dosage for Celebrex changed over time (either increased or decreased)?
Typically, those who apply for a traditional, medically underwritten life insurance policy will also be required to undergo a medical examination. This exam, which takes approximately 30 minutes to complete, will involve a paramedical professional taking a heart rate and blood pressure reading from you, as well as a blood and urine sample.
It may also be necessary for the life insurance company’s underwriters to review a copy of your medical records. These may be requested from your primary care physician, a specialist that you see for your arthritis – or possibly even from both.
After all of your information has been received, the underwriters will be better able to come up with a clear picture of your overall health. If other than your arthritis, you are otherwise in very good health, then it may be possible to be approved for the coverage. This may, however, be at a Substandard policy rating, due in large part to the side effects that this medication can cause.
Because qualifying for life insurance can be more challenging if you take Celebrex for arthritis – or any other similar health condition – it can be helpful of you work in conjunction with an independent life insurance brokerage or agency when you are shopping for the best coverage.
This is because an independent brokerage is not subject to the underwriting criteria of just one, single life insurance company. Rather, these agencies will work with multiple companies – and can, in turn, help you to find which life insurance carrier may be more lenient with its underwriting criteria for those who take Celebrex.
What many people may not know is that different life insurance companies may often have differing parameters for policy approval. Therefore, if you take Celebrex and you apply for coverage at one insurance company, you may be offered a premium quote that is substantially different from that of another – even for the same type and amount of insurance coverage.
What If You Don’t Qualify For Traditional, Medically Underwritten Life Insurance?
If you are unable to qualify for a medically underwritten life insurance policy due to your taking of Celebrex, then you could still have other options. One potential alternative is to apply for a no medical exam life insurance policy.
This type of life insurance policy will not require you to take a medical examination as a criterion for approval – and therefore, those who have certain health issues, as well as those who may take certain medications, may have an easier time qualifying for coverage.
How To Get The Best Life Insurance Rates
If you take Celebrex for arthritis and you are currently seeking life insurance coverage, we can help. We work with many of the top life insurance carriers in the industry today, and we can assist you with obtaining all of the important details that you require. We can do so for your quickly and easily – and without having to go from one insurance company to another looking for information. If you are ready to obtain a quote quickly, then just simply take a moment to fill out the form on the side of this page.
Should you still have any additional questions regarding getting life insurance while you take Celebrex, please feel free to talk with our experts directly. We can be reached by phone, toll-free, by calling 800-277-3098. Even with the potential challenges that you may have faced in the past with getting life insurance, working with a company that focuses higher risk applicants can provide you with some options. So, contact us today – we’re here to help.