You may be declined for life insurance if you carry Naloxone (Narcan)!



Advertising Disclosure:  Companies we recommend may pay us a referral fee. Learn more.

The U.S. surgeon general recommends “Be prepared. Get Naloxone.  Save a life.”  Naloxone, or better known by the brand name Narcan, is an opioid reversal drug that can save the life of an opioid overdose victim IF administered in time.   Because the timing of administering Naloxone is crucial to saving the opioid overdose victim’s life, the drug has been made more readily available.  It can even be obtained over the counter without a prescription in some states.

However, if you go and get a naloxone rescue kit at your pharmacy, it will show up on your list of medications because of Prescription Drug Monitoring Programs.  Prescription Drug Monitoring Programs collect, monitor, and analyze electronically transmitted prescribing and dispensing data submitted by pharmacies and dispensing practitioners.



Pre-existing health conditions? 

Don't worry.  AIG Direct specializes in insuring people just like you.  From high blood pressure to diabetes, AIG Direct has seen it all and has the absolute lowest rates.  Click below to see if you qualify.

Quotes are quick, easy, and free! 




Check Life Insurance Off Your To-Do List 

Our top 10 picks for quick, convenient life insurance coverage.  Our favorites are the "no-exam plans" with great rates up to age 60.

Quotes are quick, easy, and free! 


WILL I BE DECLINED FOR LIFE INSURANCE IF I BUY A NALOXONE RESCUE KIT AT MY PHARMACY?

There was a recent story by NPR.ORG about a nurse in Boston who bought naloxone rescue kit at a pharmacy and was declined by two different companies when she tried to buy life insurance.  Naloxone was on her list of prescribed medications because of Prescription Drug Monitoring Programs.  Life insurance companies check these programs as part of the underwriting process.  The nurse was declined by two the life insurance companies even though she does not take the drug herself and only uses it to save other people’s lives.  Unfortunately she paid an unexpected price for her good intentions.

HOW CAN I AVOID GETTING DECLINED FOR LIFE INSURANCE IF I WANT/NEED TO CARRY A NALOXONE RESCUE KIT TO SAVE SOMEONE’S LIFE?

IMPORTANT!! Make sure you inform your agent or broker you carry a naloxone rescue kit BEFORE you submit an application for life insurance.  Put it in writing and explain why you the carry a naloxone rescue kit and state it is NOT for your personal use.  A written explanation ahead of time will give the underwriter a chance to say “yes” or “no” without having to do a formal application and possibly getting declined.  Being preemptive is not a guarantee you will get the life insurance.  You will however avoid getting declined and having that decline reported the Medical Information Bureau (MIB).

The MIB is a coded database that all insurance companies use to report their underwriting results.  If you are declined by company A, company A will report the decline and reason to the MIB.   If you then try to apply to company B and not mention you were declined by company A, company B will see the decline on the MIB and will most likely also decline you.

A decline for life insurance will always follow you.  It will always be on the MIB  and you will always have to answer “yes” to the question “Have you ever been declined for life insurance?” on every life insurance application you fill out for the rest of your life.



Skip the Needles!

Want to take the "pain" out of life insurance?  We don't blame you!  Ladder Life Insurance is our #1 recommended no-exam company offering 10, 20, and 30 year plans up to age 60.  See if you qualify for "no exam" today.

Quotes are quick, easy, and free! 


IT’S IMPORTANT TO HAVE THE RIGHT LIFE INSURANCE BROKER!

If you are in the medical profession, or just want/need to carry a naloxone rescue kit so you can possibly save a life, call us at (888) 681-4952 BEFORE you apply for life insurance anywhere else.  We will give you the “special attention” you deserve and work upfront with the underwriters to avoid a costly decline.

Want to read other informative articles?

Marijuana And Life Insurance- What You Need To Know BEFORE You Apply | Get The Facts | Insider Tips

AIG Direct Life Insurance Logo

Save Up to 55% on Term Life Insurance

  • Helps your family take care of funeral costs, debts, rent or mortgage, and more
  • Affordable coverage - Get $250,000 of coverage for as little as $14 per month
  • Easy online application that takes just minutes

Quotes are quick, easy, and free! 


Written by:  Chris Lalor

Leave a Reply

Your email address will not be published. Required fields are marked

{"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}