Anyone who has an adverse health condition or medical history 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 turn into chronic hepatitis.
Oftentimes, however, a person may not know that they have the hepatitis b virus until they apply for life insurance.
If you have Hepatitis B and you think you will not qualify for life insurance, or you’ve been told that coverage will be too expensive, know you can absolutely get standard rates.
There are plenty of affordable and quality life insurance companies to choose from to give your family the insurance protection that they need.
Table of Contents:
What is Hepatitis?
It is a great idea to educate yourself on your medical condition before applying for life insurance. Hepatitis is a disease that causes inflammation of the liver. The liver inflammation can be caused by one of the types of hepatitis, Hepatitis A, Hepatitis B, and Hepatitis C are the most commonly known viruses, though there is a Hepatitis D and Hepatitis E as well.
Certain toxins, drugs, autoimmune diseases, and even alcohol use may cause hepatitis.
This article is going to focus primarily on Hep B, so let’s take a closer look at this particular virus. Hep B, or HBV, is a virus spread by contaminated bodily fluids such as blood and sexual fluids.
The hepatitis b infection can be transmitted through various means: mother to child transmission during birth, sharing razors, drug use and sharing needles, unprotected sexual contact, even sharing a toothbrush with an infected person.
According to the CDC, the virus may become acute hepatitis or turn into a chronic infection. Because hepatitis b can become quite severe, impairing liver functions severely causing liver damage, liver cancer, and even liver failure, chronic hepatitis b may cause a hiccup when searching for life insurance. Luckily there is a vaccine that covers most people while they are infants.
Here are a few statistics from the CDC about HBV in the United States:
- It is believed that in 2017, over 22,200 cases of acute hepatitis b were in the United States.
- An estimated 862,000 Americans have chronic hepatitis B.
- There are 257 million people globally with HBV
- You can be tested for the virus through a liver biopsy or abdominal CT Scan
Qualify for Life Insurance With Hepatitis B
If you have Hepatitis B, it is possible to be approved for life insurance coverage.
Life insurance underwriters will dig into your medical records to understand the severity of your medical condition. Your life insurance quote 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 type of hepatitis and have been able to obtain standard policies paying average premium insurance 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.
Applying for Life Insurance with Hepatitis B
You can purchase any type of life insurance such as whole or term 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.
Keep in mind, if the virus turns into liver disease or you have other conditions such as chronic hepatitis C/HCV, HIV, AIDS, or cirrhosis, you will have a difficult time gaining a policy. Underwriters will look at your viral load as well as your liver enzymes to determine your eligibility. Talk to several insurance agents before giving up finding life insurance coverage
Underwriting for Hepatitis B
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 liver function test 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 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, the 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 in your chances of getting insurance coverage as well as your monthly premium rate.
Get The Best Rates with Hepatitis B by Living a Healthy Lifestyle
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 policyholder 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 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.
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.