Anyone who has an adverse health condition knows that it can be somewhat difficult to qualify for life insurance – and this includes those individuals who have been diagnosed with Hepatitis B. Due to the enlargement of the liver and the inflammation that is caused, this illness can become chronic. Oftentimes, however, a person may not know that they have this condition until they apply for life insurance. If you have Hepatitis B and you think that you can get life insurance, or you’ve been told that coverage will be too expensive, don’t believe. There are plenty of affordable and quality insurance options to give your family the insurance protection that they need.
If you have Hepatitis B, it is possible to be approved for life insurance coverage. The actual underwriting on the application for such coverage, however, will depend a great deal on just how severe your condition is, as well as how long you have had Hepatitis B. In fact, in some cases, individuals have even made full recoveries from this condition and have been able to obtain standard policies paying average premium rates.
Perhaps you are wondering if you can qualify for life insurance after having a stroke or life insurance for people with diabetes. We can answer what questions you have and help you obtain the coverage you deserve.
Preparing to Apply for Life Insurance Coverage
You can purchase life insurance with Hepatitis B. However, the underwriters who review your life insurance application will want to know some additional details regarding your condition. With this in mind, it is good to be prepared with such information prior to applying for coverage.
Questions that are typically asked of you regarding your condition may include the following:
- At what age were you diagnosed with Hepatitis B?
- What are your average LFT readings?
- Was your diagnosis of fibrosis or cirrhosis of the liver?
- What type of treatments have you either received so far and / or are you currently receiving for your condition?
- What is the frequency and follow up of your treatments?
- What is the frequency and follow up of your testing?
- What are the results of any additional testing that you have had performed?
- What are the names and dosages of the medications, if any, that you are taking?
If you are doing certain things to help control or improve your health condition, you can also help the chances of your life insurance application being approved. For example, if you are controlling your Hepatitis B in any manner that may not be specifically asked about on the application for coverage, you should add such information on a separate sheet or as an addendum to the application.
These details will help the insurance underwriters who are reviewing your application for coverage to have a clearer picture of how you are controlling your Hepatitis B – and this will typically show up as a positive attribute on your application.
As with all other applicants they carrier will want to know more basic information about you, too, such as your age, gender, height and weight, smoking status, occupation and income, hobbies, overall health status, and your family health history. All of these are going to play an important role on your chances of getting insurance coverage as well as your monthly premium rate. There are several factors that you can’t change, like your family history and your age, but there are some factors that you can improve, like your diet and tobacco usage. If you want to increase your chances of getting the best possible rates on your life insurance plan, you’ll need to start a healthy diet, get regular exercise, and eliminate any tobacco usage out of your life. All of these can drastically increase your chances of getting coverage and save you thousands of dollars on your coverage. In fact, if you’re a smoker, you can expect to pay twice as much for the same coverage versus what a non-smoker is going to pay.
Along with the medical exam, you will be submitting a blood test and a urine sample so the carrier can see if there are any markers in your system for things that could pose a risk to the carrier for insuring you.
After the underwriters have had a chance to review all of the information about you, they will be in a better position to decipher whether or not your application for coverage can be approved.
If it is found that your condition is not severe, you could qualify for a Standard policy rating. In this case, you will be charged Standard (average) premium rates that are in line with those of the average policy holder who is of the same age and policy classification.
If, however, your condition is found to be more severe, it is still possible to obtain life insurance coverage. However, be aware that a premium change can be made after your application is submitted.
Where Can You Purchase Life Insurance with Hepatitis B?
When ready to purchase life insurance with Hepatitis B, it is a good idea to work with a company that has access to many insurers. In doing so, you can improve the chances of your application for coverage being approved.
We work with many top rated insurers in the life insurance with illnesses marketplace today. Because of that, our agents will work towards finding you an affordable price for your life insurance plan. We are also knowledgeable about which insurers are more apt to take on various types of health risks – so we can help you in determining which insurance company may be right for you. There are also no medical exam life insurance policies or smokers life insurance available, so let us help find you the coverage you deserve.
If you’re ready to start comparing premium quotes, you can begin the process by filling out the box on the left. If there are any other concerns you have about getting life insurance with Hepatitis B, obtaining premium quotes, qualifying for coverage, or life insurance policies in general, feel free to contact us directly – because we can help. You can reach us toll-free at 888-229-7522.
All of these are going to play an important role on your chances of getting insurance coverage as well as how much you will pay for your policy. There are several factors that you can’t change, like your family history and your age, but there are some factors that you can improve, like your diet and tobacco usage. If you want to increase your chances of getting the best possible rates on your life insurance plan, you’ll need to start a healthy diet, get regular exercise, and eliminate any tobacco usage out of your life. All of these can drastically increase your chances of getting coverage and save you thousands of dollars on your coverage. In fact, if you’re a smoker, you can expect to pay twice as much for the same coverage versus what a non-smoker is going to pay.