Anti-depressants Affect Life Rates?

[Heyyall]

If someone took these for just a few months, years ago, would they still affect rates?

Another scenario is that some take trazadone to sleep even though it is technically an anti-depressant, but is no longer prescribed as an anti-depressant.

Finally, how in the world would an insurance company know if something was inaccurate on a life application anyway? If the person doesn't use the same pharmacy, doctor, health insurance when they had the temporary condition then how would they uncover it when their spouse goes to do a claim upon their death?

 

[WinoBlues]

If someone took these for just a few months, years ago, would they still affect rates?

Another scenario is that some take trazadone to sleep even though it is technically an anti-depressant, but is no longer prescribed as an anti-depressant.

Finally, how in the world would an insurance company know if something was inaccurate on a life application anyway? If the person doesn't use the same pharmacy, doctor, health insurance when they had the temporary condition then how would they uncover it when their spouse goes to do a claim upon their death?

Those meds most likely would not be an issue. Depending on history of course. Even current use can be a non issue.

If the person dies in the first two years the company will do a script check. Which they would have done prior to issue anyway.

When I started Prozac was the scary drug, today it is not that big an issue. Combinations of some drugs can be a red flag. Most experienced agents can handle this.

 

[UW Guy]

If someone took these for just a few months, years ago, would they still affect rates?

Another scenario is that some take trazadone to sleep even though it is technically an anti-depressant, but is no longer prescribed as an anti-depressant.

Finally, how in the world would an insurance company know if something was inaccurate on a life application anyway? If the person doesn't use the same pharmacy, doctor, health insurance when they had the temporary condition then how would they uncover it when their spouse goes to do a claim upon their death?

Prior use and no continued issues isn't likely to trip any triggers. And most doctors barely give Trazadone for depression anymore. There are better drugs out there to deal with (Lexapro, BusPar, Wellbutrin, etc).

 

[rousemark]

If someone took these for just a few months, years ago, would they still affect rates?

Another scenario is that some take trazadone to sleep even though it is technically an anti-depressant, but is no longer prescribed as an anti-depressant.

Finally, how in the world would an insurance company know if something was inaccurate on a life application anyway? If the person doesn't use the same pharmacy, doctor, health insurance when they had the temporary condition then how would they uncover it when their spouse goes to do a claim upon their death?

During the contestbility investigation they will order the medical records from the physicians they are aware that the person has seen. If person is seriously ill and the Doctor asks what else they have been treated for, you can bet the insured is going to tell them "well, I had so&so" and the doctor will note it on the chart.

 

[LGilmore]

most insurance carriers use the MIB to search an individual's medical history. Even with different doctors and suppliers, it is still just one individual. Taking a medication a while ago does not mean you can't get life insurance. It may keep you from super preferred rates, as it's going to depend on your situation.

One thing to be aware of if you stopped taking meds without a doctor telling you to, it's a big red flag.

 

[peteybear]

most insurance carriers use the MIB to search an individual's medical history. A little confused. It only shows up on the mib if you applied for insurance.