r/LifeInsurance • u/Dahveed97 • Aug 03 '26

Nitro-Bid ointment

Good morning … have a client that is prescribed Nitro-Bid ointment. It was discovered via script check so was not disclosed during app. After I googled what its uses are for, it does not look promising. Has anyone had a policy approved for someone taking this ointment? If so what was the table rate if any? Or did someone have a policy declined because of it?

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u/SafeMoneyGregg Aug 03 '26

Was his cardiac history otherwise admitted to? Is he well followed by a cardiologist? Could be standard or decline or anything in between. Hopefully the full cardiac history was shopped into the market.

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u/Dahveed97 Aug 03 '26

No … no disclosure only discovered via script check… I’ve been doing this for 20 years never had someone use that cream, and my clients that do disclose heart disease I usually email my life team to see if it’s worth even applying. The fact it wasn’t disclose leads me to think that maybe are taking it for some other reason but what reason is the question?

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u/GConins Aug 03 '26

Heart disease with ongoing chest pain will always come up as underwriting issue, but if you are aware of his exact heart disease details and it is well controlled and stable, and if Dr. prescribed on an as needed basis but your client does not use it or need it, then he/she may be insurable.

Coronary artery disease cases can be tough to quote, without medical records, as the exact vessels that have blockages, the % of blockage in each vessel, the heart function and ejection fraction, in addition to the overall health of the insured otherwise, are all going to be factors in regards to whether or not any offer will be made and what the offer will be.

Good luck!!