Getting Life Insurance While On Testosterone Therapy

In most cases, if you’re prescribed testosterone replacement therapy, it does more harm than good, as the side effects are quite difficult to manage. Some studies show it’s not the best for your heart health, and others show that there could be an increased chance of prostate cancer. With the negatives taken into consideration, you’re probably wondering whether or not being on testosterone replacement therapy effects how one may get life insurance. 

In this article, we will dive into whether or not testosterone therapy effects the process of getting life insurance.

Does Being On TRT Change Your Life Insurance Rates? 

If you’re on TRT, whether your life insurance rates are impacted depends on several factors. As someone undergoing testosterone replacement therapy, you may potentially face higher premiums or difficulty getting coverage due to health risks like blood clots, heart attack, stroke, and prostate issues. These are risks the insurance company associates with low testosterone and the treatment itself.

However, each life insurance company has its guidelines. Some may be more lenient with TRT patients, while others are more stringent. You must do thorough research and work with an experienced agent to navigate the process and find the right product.

So how about if you already have a policy and get prescribed testosterone replacement therapy? This depends on your policy. Some policies have guaranteed premiums, while others are subject to review.

After looking at some forums, I saw some people whose premiums had increased and some who didn’t budge. 

Other Factors That Go Into Your Premiums 

Despite the risks of being on testosterone replacement therapy, there are more risks to not being on it. However, TRT isn’t the only factor determining how much your premiums will cost. Let’s dive into how you could ensure your premiums aren’t sky-high. 

Don’t Live A Dangerous Lifestyle

Even if you’re on TRT, avoiding dangerous hobbies and activities can help offset some of the risks in the eyes of insurance companies. Stay away from things like motorcycle riding, skydiving, or other extreme sports that carriers may deem too hazardous for someone with health issues. Wearing proper safety gear when appropriate is also essential. Demonstrating that you are avoiding unnecessary peril outside of TRT treatment can lead to more affordable premium rates.

Maintain a Healthy Lifestyle

In addition to avoiding dangerous activities, a healthy lifestyle can help manage TRT risks. Keep away from smoking, excessive drinking, recreational drugs, or other vices. Making smart choices regarding your daily health and wellness shows insurers you are committed to keeping risks at bay, TRT or not. A healthy, safety-conscious policyholder represents less chance of an imminent life insurance payout.

Your Age

This is an aspect you can’t really control, but naturally, life insurance premiums rise as you get older due to higher risks. Going through the application process at a younger age means locking in more affordable rates early on, even if you decide to up your coverage later. Discuss options with an agent to map out a policy that fits your current budget and still provides increased protection as you age.

How Severe Your Low Testosterone Levels Are 

There are levels to how much of a risk you are to insurance companies depending on your degree of low testosterone. If you have only mildly decreased testosterone levels, getting approved for life insurance may be easier and premiums more affordable. However, if you have extremely deficient levels that require an aggressive, ongoing treatment protocol, this can heighten concerns over the associated health risks in the eyes of insurers.

Your Other Medical History

This aspect far outweighs the fact that you are on TRT treatment. Insurers will carefully analyze your records for any other conditions, risk factors, or red flags. Proactively managing other health issues through medication, lifestyle changes, frequent checkups, etc. is key. If much of your profile is low-risk, TRT may be less of a focal point in determining premiums. Be prepared to highlight all the other ways you are maintaining your health.

Your Family Medical History

Insurers will ask about any concerning health conditions that run in your family, as you may be predisposed to similar issues. If heart disease, cancer, diabetes, or other serious illnesses are prevalent across multiple relatives, especially at a young age, this can make carriers perceive you as higher risk.

However, you can counter by highlighting any proactive steps you are taking to monitor for those conditions through screenings, lifestyle changes to avoid triggers, and being aggressive if any early signs manifest. Just because disease runs in the family does not mean it is unavoidable. Demonstrating that you are being conscientious and attentive can provide some reassurance.

Your Response To The TRT Treatment

How your health responds to TRT therapy is also key for insurance companies to evaluate longevity risk. If you tolerate treatment well without complications like sleep apnea, prostate issues, etc., this is a good sign. Having bloodwork that exhibits your body is responding favorably, testosterone levels are optimizing, and related health markers improving can show TRT is benefiting rather than endangering you.

How To Get The Very Best Life Insurance Option For You: Liberty Financial Group 

Getting a life insurance policy can be a very confusing process, especially for individuals undergoing Testosterone Replacement Therapy. Your health and well-being are important, and making sure you have the right coverage in place is our top priority. Here’s how we can help you secure life insurance that meets your needs without compromise.

How We Approach TRT and Life Insurance

At Liberty Financial Group, we believe that everyone deserves fair and comprehensive life insurance coverage. Here’s how we support our clients on TRT:

  • Expert Guidance: Our experienced agents are well-versed in the nuances of life insurance applications for individuals on TRT. We provide honest, unbiased advice to navigate the process smoothly.
  • Wide Carrier Network: With access to over 50 of the nation’s top insurance carriers, we’re not limited to a single provider’s policies. This diversity allows us to shop around for a policy that acknowledges your TRT without unjust penalties.
  • Customized Solutions: We understand that TRT is just one part of your health profile. Our approach involves looking at the whole picture, ensuring that you receive a policy that fits both your health needs and your budget.

Getting Started with Your Policy

Securing life insurance while on TRT doesn’t have to be a daunting task. Here’s how to get started with Liberty Financial Group:

  • Reach Out: Contact us to discuss your needs. Whether you prefer a call, email, or in-person meeting, we’re here to listen and provide the support you need.
  • Compare Quotes: We’ll shop our network of over 50 carriers to find you the best rates and coverage options, presenting you with a selection of quotes tailored to your situation.
  • Apply with Confidence: Once you’ve chosen the best policy for your needs, we’ll guide you through the application process, advocating on your behalf to ensure fair treatment and the best possible outcome.

Click here to reach out to us today!