Have you ever wondered if your medication will ruin your chance at life insurance?

The medications listed below do not mean a life insurance company will definitely decline to offer you coverage. But many of these medications treat a variety of medical conditions – serious ailments – that will likely prevent from getting life insurance.

The enclosed list of so-called red flag medications suggest, to a life insurance company or underwriter, that you may have a chronic illness that will result in that carrier’s refusal to insure you. Remember the red flag medication list is longer for a no exam simplified issue type of policy.  See the chart at the bottom.

 

Antabuse®/Disulfiram:

This drug treats alcoholism by triggering an unpleasant reaction to alcohol, suppressing the craving to drink. Use of this drug requires a doctor’s supervision.

Aranesp®/Darbepoetin:

This medication is a treatment for patients suffering from anemia as a likely side effect from kidney problems, renal failure or cancer, and the use of chemotherapy.

Aricept®/Donepezil:

This medication is a means of treating Alzheimer’s Disease and general dementia.

Campral®/Acamprosate: 

This drug is another means of treating alcoholism that works to stabilize the brain as a patient withdraws from dependency on alcohol.

Cognex®/Tacrine:

This medication is another treatment mechanism for mild or moderate forms of Alzheimer’s and dementia.

Depade®/Naltrexone:

This treatment is for patients experiencing withdrawal from addiction to heroin and other opiates.

Epogen®/Epoetin Alfa:

This medication is a treatment for patients undergoing dialysis because of renal failure or a specific kidney-related disease.

Exelon®/Rivastigmine:

This drug is another treatment mechanism for patients with Alzheimer’s, moderate memory loss and/or Parkinson’s Disease.

Flolan®/Epoprostenol Sodium:

This treatment is for patients with blood clots and pulmonary arterial hypertension. Also known as PAH which worsens over extended time and is life-threatening because the pressure in a patient’s pulmonary arteries rises to dangerously high levels, putting a strain on the heart.

Namenda®/Memantine:

This drug is yet another treatment for patients with Alzheimer’s, memory loss and changes in a person’s mental state.

Procrit®/Epoetin Alfa:

This medication enables patients with kidney disease to more easily form red blood cells, which may otherwise not happen because of renal failure.

Razadyne®/Galantamine Hydrobromide:

This oral medication treats patients with Alzheimer’s, dementia, memory loss and related conditions.

Remodulin®/Treprostinil Sodium:

This treatment is for patients with pulmonary arterial hypertension, which certain activities, namely exercise, can worsen.

ReVia®/Naltrexone:

This medication is another treatment option for patients suffering from alcoholism. The drug works to reduce cravings for or the perceived need to drink alcohol.

Suboxone®/Buprenorphine (Naloxone):

This drug is an opioid that treats chronic pain, and detoxifies the body’s addiction to opiates.

Tracleer®/Bosentan:

This treatment is one of several medications that targets certain types of pulmonary arterial hypertension.

Ventavis®/Iloprost: 

This medication works as a hormone to treat pulmonary arterial hypertension by preventing, among other things, platelet aggregation.

Vivitrol®/Naltrexone:

This drug is another option for treating alcoholism by inhibiting the brain’s addiction to or cravings for alcohol.

Medications That Will Get You Declined for Simplified Issue (No Exam) Life Insurance.

Simplified issue life insurance does not require a life insurance exam so individuals who take any medication on this list below will have a hard time getting coverage for a simplified underwriting type of policy.

medications that will get you declined for simplified issue life insurance