Yes. Taking prescription medication does not automatically prevent you from qualifying for Preferred life insurance rates. What matters is usually why you are taking the medication, how well the underlying condition is controlled, how stable your treatment has been, and what the rest of your health profile looks like.

You can often qualify for life insurance after a heart attack, a stent, or bypass surgery. Many carriers require a waiting period after a cardiac event, and six months is common in some circumstances, though the timing varies. Your options may improve once your recovery is stable and documented. Underwriters will evaluate the time since your event, your ejection fraction, the extent of the disease, and how well your blood pressure, cholesterol, and blood sugar are controlled.

QUICK ANSWER If you take Ozempic, Wegovy, Mounjaro, or another GLP-1 weight-loss drug, you can still get life insurance, and the newest data suggests it may help your rate rather than hurt it. In February 2026 the German reinsurer Munich Re published findings from 41 million insured lives showing that GLP-1 users had lower all-cause mortality than non-users, in both diabetic and non-diabetic groups. Most well-managed applicants on a GLP-1 land somewhere between Standard Plus

A million-dollar policy may still be possible. But for people on meds or managing Type 2 diabetes, the smartest path is usually not the fastest quote. It is the right match. And yes, Big Lou gets it. He’s on meds too.

Most agencies today have access to quoting software that can instantly compare prices from many insurance carriers. But generating quotes is not the same thing as understanding underwriting. At Big Lou, we believe there’s a major difference between simply showing rates and actually knowing how to get clients approved at the best possible price. That difference is what separates Big Lou from many competitors in today’s life insurance industry.

You may qualify for: Fast approvals, Even Instant Coverage. No medical exam options. Affordable term life insurance. Coverage tailored to your situation

QUICK ANSWER Life insurance companies rate you by placing your health profile on a 12-rung pricing ladder called a rate class. Rung 1 (Preferred Plus) is the cheapest. Rung 12 is the most expensive. About 50% of approved applicants land in table ratings (Rungs 5-12), which typically add roughly 25% to the Standard rate per rung. No two carriers rate the same health profile exactly the same way — which is exactly why working with an impaired-risk specialist like Big Lou can sa