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How Does Acid Reflux (Gerd) Affect My Life Insurance Application?

by Scott G on December 25, 2012 · 1 comment

How Does Acid Reflux (Gerd) Affect My Life Insurance Application?

Acid Reflux (Gerd) & Life Insurance Underwriting 2014

Acid Reflux—(Gerd)


A condition in which the stomach contents leak backwards from the stomach into the esophagus.



Aciphex (generic-rabepazole)                                                             

Pepcid AC (generic- famotidine)

Prevacid (generic-iansoprazole)

Prilosec (generic-omeprazole)

Protonix (generic-pantoprazole)

Regian (generic-metoclopramide)

Regian ODT (generic-metoclopramide)


Zantac (generic-ranitdine)

Zegerid (generic-omeprazole)

Axid (generic-nizatide)                                         

Carafate (generic-sucralfate)


Metozok (generic—metoclopramide)

Nexium (generic-esomeprazole)                                 

Underwriting Factors With Acid Reflux:


•Date of diagnosis

•Is the medication over the counter? Is it working?

•Number of medications taking for Acid Reflux?

•How are symptoms?

•Outcome of recent doctor’s visit?

•Any other medical conditions?

Life insurance companies rating classes:


•Preferred Plus


•Standard Plus


Underwriting life insurance with Acid Reflux (Gerd):


Mild Acid Reflux-likely Preferred Plus rating class

Mild to Moderate Acid Reflux -likely Preferred rating class

Moderate to severe Acid Reflux -likely Standard rating class


Obtaining life insurance with acid reflux is easy.  By knowing the factors that affect life insurance rates, you can shop with confidence and know what to expect.  You can use the instant quote engine on this site to determine your rates.  Also, keep in mind underwriting will also look at build, health conditions and lifestyle.  If you fall into a lower rating category than you anticipate, that is ok, you can still buy a policy and ask the life insurance company to re-evaluate your rate once your health has improved.

Photo Credit: Rennee Stowe

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