If you have a painful condition such as arthritis, then you are likely well aware of just how much more productive you can be each day if you are better able to manage or control the pain. Often, medical professionals will suggest taking medications such as nonsteroidal anti-inflammatory drugs, or NSAIDs, to help with controlling both pain and inflammation that can come along with issues like arthritis.
But, even with the various benefits that are associated with NSAIDs, these medications can often have side effects – some that are serious or even fatal. So, it is important that those who take nonsteroidal anti-inflammatory drugs be aware of these, especially if they have been taking NSAIDs for a long period of time.
What Are Nonsteroidal Anti-Inflammatory Medications (NSAIDs) And How Do They Work?
Nonsteroidal Anti-Inflammatory Drugs – also referred to simply as NSAIDs – are defined as being a class of analgesic medication that reduces pain, fever, and inflammation. These medications are frequently taken for pain and / or the inflammation that is associated with health conditions like tendonitis, arthritis, and bursitis.
Many NSAIDs can be purchased over the counter, and they include medications such as ibuprofen, aspirin, naproxen, nabumetone, and piroxicam. These medications work by doing several things – including reducing fever and high temperature, reducing inflammation, and reducing pain – by hindering the formation of compounds that are known as prostaglandins. These compounds can play a key role in the body’s inflammatory response. That is because they produce chemical signals that call up the immune system’s inflammatory responses. Therefore, by reducing the amount of prostaglandins that are produced by tissue damage – such as through arthritis – then the resulting inflammation can also be reduced.
While there can be benefits to taking these drugs, such as the reduction of pain and inflammation, taking them can also present some potential side effects – some of which can be serious or fatal.
For example, those who take certain types of NSAIDs can be at a higher risk of having a stroke or heart attack, as versus those who do not take them. This is particularly the case with people who have been taking certain NSAIDs for a long period.
Also, because nonsteroidal anti-inflammatory medications are cleared from the bloodstream through the kidneys, precautions should also be taken in order to avoid kidney damage, as well as stomach ulcers.
Some of the other possible side effects that may go along with taking nonsteroidal anti-inflammatory drugs can include the following:
- Gastrointestinal issues
- Upset stomach
- Abdominal pain
Due to the various side effects that may be present in nonsteroidal anti-inflammatory drugs, there may be an impact on the application for life insurance coverage. Approval for life insurance will also take into consideration your overall health, health history, and even family health history to determine potential genetic conditions.
Can Taking A Nonsteroidal Anti-Inflammatory Medication Affect Your Life Insurance?
When applying for life insurance coverage with arthritis, and taking nonsteroidal anti-inflammatory medications could have an effect on approval and / or the premium price that is charged for your coverage. This can be particularly true if you have been taking NSAIDs for a long period and you have experienced certain side effects from these drugs.
Because of that, when you apply for a life insurance policy, the underwriters will want to know as much as possible regarding your health and medication, so that they can make the most accurate decision possible.
What The Insurance Company Will Want To Know If You Take NSAIDs
Obtaining life insurance coverage will begin with the completing of an application for coverage. This application will ask a number of personal and health-related questions, including the request for details about your age / birth date, gender, height and weight, smoking status, frequency of alcohol consumption, whether you participate in any risky hobbies or habits, your occupation and income, your marital status, and whether or not you have any other life insurance coverage in force (as well as the total amount, if applicable).
The underwriters will also want to know more details about the health condition in which you were prescribed NSAIDs for, and how long you have been taking these particular medications. Likewise, you may need to answer questions about other ways in which you are controlling and / or managing your condition, and how frequently you visit your doctor or other medical professional.
In most cases, a medical examination will also be required as a part of the underwriting process. This will entail meeting with a paramedical professional (paramed) either at your home or other convenient location.
This exam will include the taking of a blood pressure reading and a heart rate reading, as well as taking a blood and a urine sample from you. Once complete, these samples will be tested for various risk factors to the insurance company.
It is also possible that the insurance company’s underwriters will want to get more information about your overall health condition from your medical records. These may be ordered from your primary care doctor and / or from any other specialist that you see regarding your condition. These records can also provide more in-depth details about how long you have been taking NSAIDs, as well as any noted side effects that you have had because of them.
After all of your information has been received by the insurance company, the underwriters will have a much clearer picture of your health – and from there, they will be able to make a determination about policy approval, and an appropriate premium rate to charge for the coverage.
What Happens If You Do Not Get Approved For Medically Underwritten Life Insurance?
There are some cases where an individual may not be approved for a traditional, medically underwritten life insurance policy. If this is the case, it does not mean that you don’t have to go without life insurance altogether.
One possible alternative is to apply for a no medical exam policy. Because there is no medical exam – and therefore, no blood or urine sample to provide – many who may have various health issues can still be approved for life insurance protection.
Where To Get The Best Premium Rates On Life Insurance If You Take NSAIDs
If you take nonsteroidal anti-inflammatory medications and you are in the process of looking for life insurance, we can help. We work with many of the top life insurance carriers in the marketplace today, and we can assist you with obtaining all of the pertinent details that you need for making a well-informed life insurance buying decision.
We can do so for you very quickly, easily, and conveniently, all from your home computer, and without the need for meeting in person with a life insurance agent. Therefore, if you are ready to move forward, then just simply fill out the form on this page.
Should you still have any additional questions about nonsteroidal anti-inflammatory drugs and how they may impact your life insurance coverage – or, even if you just have a life insurance question in general – then please call us directly. We can be reached toll-free at 800-277-3098.
While certain health issues – and their medications – may result in some challenges when it comes to applying for life insurance, we can point you in the right direction. By working with multiple life insurance companies, we can assist you with comparing policies, benefits, and premium prices – and from there, you can determine which one will be the best plan for you and your specific needs – in turn, offering you and your loved one’s peace of mind. So, contact us today – we’re here to help.