Underwriting – Medications

Depo Provera & Life Insurance: Term Rates in 2026

You Can Get Life Insurance While Taking Depo Provera If you’re on Depo Provera and wondering whether you can get affordable term life insurance, the short answer is yes. This is one of the most common contraceptive methods in the country, and it rarely causes problems with a life insurance application. But the details matter,…
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Mirena and Term Life Insurance: Rates in 2026

If You Have Mirena, Here’s What to Know About Life Insurance You’re taking Mirena (or recently had it placed) and now you’re wondering if it’s going to cause problems with a life insurance application. Maybe you’ve heard that medications or medical devices can lead to higher rates or even a decline. The good news is…
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Oral Contraceptives & Term Life Insurance: 2026 Rates

You Take Birth Control. Can You Still Get Affordable Term Life Insurance? If you’re on oral contraceptives and shopping for life insurance, here’s the short answer. Yes, you can absolutely get covered. Birth control pills are one of the most commonly prescribed medications in the country, and insurance carriers know that. Taking them won’t disqualify…
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Birth Control Pills & Term Life Insurance: 2026 Rates

You’re Probably Worrying for Nothing If you take birth control pills and you’re wondering whether that’s going to cause problems with a term life insurance application, here’s the short answer. It almost certainly won’t. Oral contraceptives are one of the most commonly prescribed medications in the country, and life insurance carriers know that. Most healthy…
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HRT and Term Life Insurance: 2026 Rates Explained

HRT and Term Life Insurance Rates in 2026 If you’re on hormone replacement therapy and searching for term life insurance, you’re probably worried the medication will make coverage expensive or even impossible. Here’s the good news. HRT alone rarely disqualifies anyone from getting a solid term life policy. Most carriers are far more interested in…
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Premarin & Instant Approval Life Insurance (2026)

You Take Premarin. You Still Have Great Options. If you’re on Premarin and searching for life insurance with instant or fast approval, you’re probably worried the medication will be a problem. Maybe you already tried one company and got a surprise. Or maybe you’re just starting your research and want to know what you’re up…
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AndroGel & Life Insurance: Instant Approval Options (2026)

Getting Life Insurance While Taking AndroGel If you’re on AndroGel and searching for life insurance, you’ve probably already run into some frustrating answers. Maybe a single carrier turned you down, or you were quoted a rate that felt way too high. That doesn’t mean you’re out of options. Not even close. Insurance By Heroes was…
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AndroGel & Term Life Insurance: Rates in 2026

If You Take AndroGel, You Can Still Get Life Insurance Let’s get right to it. If you’re on AndroGel and wondering whether you can get term life insurance, the answer is yes. Thousands of men on testosterone replacement therapy (TRT) get approved for coverage every year. The process looks a little different than it does…
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Humira for Crohn’s: Term Life Insurance Options in 2026

If you take Humira for Crohn’s disease and you’re wondering whether you can get term life insurance, the short answer is yes. Most people on Humira can absolutely get approved. The real question is which carrier will give you the best rate, and that’s where working with the right agency matters. Insurance By Heroes was…
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Pepcid Users: Term Life Insurance Rates in 2026

You Take Pepcid. Can You Still Get Affordable Term Life Insurance? If you’re taking Pepcid and wondering whether it will mess up your chances at getting good term life insurance, here’s the short answer. It probably won’t matter at all. Pepcid (famotidine) is one of the most common over the counter medications in America, and…
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