Life insurance can be an essential piece to your overall financial picture. But qualifying for life insurance can sometimes be difficult if you have certain health issues. For example, if you have a condition like herpes, you may still qualify, but you will likely need to go through an independent life insurance agency that can help you find the right carrier. The good news is, we can help, not only with health concerns such as this but also with other areas such as diabetes, dementia or life insurance if you are overweight.
How Herpes Can Affect Your Application for Life Insurance
Herpes is a common health condition that is transmitted sexually. In the United States, it is estimated that approximately one in six people who are between the ages of 14 to 49 have this condition.
Many people who have herpes do not have the symptoms. Therefore, it is important to understand that even if someone does not have signs of this condition, it may still be able to spread to a sexual partner.
When a person first acquires herpes, the initial attack will typically start with visible sores and other symptoms such as itching, burning pain, and even flu-like feelings. During this period, the individual can be contagious – even without having any obvious sores yet.
Soon afterward, the virus will begin to multiply after it gets into the skin cells. The skin will begin to become red and sensitive, and blisters and / or bumps will start to appear. The individual may also experience swollen glands, muscle aches, headache, fever, and / or lower back pain.
In some cases, the first episode of herpes can be painful enough to leave a person bed-ridden, while others barely even notice their symptoms. Those who have herpes can often experience several outbreaks per year. Regardless of whether a person has these symptoms or not, though, the herpes virus will retreat into the nervous system and lay dormant. Also, a person may still have extreme pain and flu-like symptoms, even without having outward showing sores.
While there is no cure for herpes, there are ways to help in preventing and / or managing it, such as frequently washing your hands, engaging in good hygiene, and ensuring that you have safe sex.
In any case, if you have been diagnosed with herpes, it can have an effect on your life insurance application as there can be certain risks that are associated with this condition. Because of that, the life insurance underwriters will want to know more about your overall health when reviewing your application for coverage.
What the Life Insurance Company Will Want to Know
When applying for life insurance, the first step is to fully complete an application for coverage. Here, you will be asked for information such as your:
- Contact details
- Height and weight (your weight as it is related to your height)
- Smoking status / tobacco usage
- Occupation (as some may be considered a higher risk, such as pilot life insurance) and income
- Marital status
- Overall health history
- Medications taken
- Family health history
- Hobbies and habits (i.e., risky hobbies such as sky diving, scuba diving)
- Foreign travel frequency
In most situations, the insurance company will also want to know more about your condition. Because of this, you will likely be asked some more condition-specific questions about your herpes, such as the following:
- Have you had any outbreaks / experienced any herpes symptoms within the past six months? Some of the common symptoms of herpes can include muscle aches, fever, weakness, and / or lesions, as well as headache and / or flank pain. These may also be signs of possible complications.
- How many times per year do you typically have an episode of herpes? While herpes is not considered to be a life-threatening health condition, the number of episodes that you have each year may show whether or not you are at a higher risk of complication from this condition. If you do not have a high number of occurrences, and you are otherwise in good health, then it may be possible for you to obtain a Standard policy rating.
- Do you engage in behavior or lifestyle practices that could put you at a higher risk of enhancing your condition? Managing and / or controlling your condition is important in ensuring that you remain healthy overall – and doing so will help you to obtain a better life insurance policy rating (and premium). However, the opposite can also be true. For example, engaging in unsafe sexual behavior and / or having poor personal hygiene habits can reflect poorly on your life insurance application because these habits can place you at a higher risk of a recurring infection, as well as possible herpes complication.
- How are your currently managing and / or controlling your herpes condition? The life insurance underwriters will also want to know how – and how well – you are managing and / or controlling your condition. For example, do you regularly visit a health professional? Also, do you take any medication for your condition? If so, what medication do you take, and what is the dosage?
In addition to the application and questions, it is also likely that you will be required to undergo a medical exam as a part of the overall underwriting process. This will typically entail meeting with a paramedical professional. This exam can usually be done either at your home or your place of employment (or other convenient place) and it usually only takes about 30 minutes.
During the paramedical examination, you will usually be asked more health related questions. You will also be asked to submit a blood and a urine sample. These will be tested for certain risk factors by the insurance company.
The insurance underwriters may also want to review your medical records. These may be obtained from your primary care physician, a specialist that you may see for your herpes condition, or from both.
After all of your information has been received by the life insurance company’s underwriters, it can be fully reviewed, and a determination can be made regarding coverage, and about an appropriate premium price.
How Much Will Life Insurance for People with Herpes Cost?
For those who have herpes, the good news is that this is not considered to be a life-threatening condition – and because of that, it is possible to obtain life insurance coverage. Therefore, if you are otherwise in good health, it can be possible to obtain fully underwritten life insurance, and to even get a Standard policy rating.
If this is the case, then getting a Standard rating on a policy would essentially place you in line with other policyholders who are in your same age and gender category who are also considered to be in the “average” health range.
If, however, the underwriters feel that your health may not meet the average standards, then it may still be possible to obtain coverage, but you may be placed into a Substandard policy rating. In this case, your premium may be higher than that of the average policyholder.
There may be some cases where an individual doesn’t qualify for a fully underwritten life insurance policy. In these instances, it may still be possible to qualify for a no medical exam policy. These plans do not require taking a medical examination as a condition for qualifying – and because of this, many people who have various health conditions can still qualify for life insurance coverage.
How to Get the Best Life Insurance Quotes
In order to ensure that you get the best premium quote on the life insurance policy that you’ve chosen, it is important that you work with a company or an agency that has access to many different carriers. That way, you can compare before you buy.
Many people many not realize that just as with other types of products and services, the premium price on life insurance can differ a great deal from one insurance company to another – even for the very same coverage. So, it is important to shop around before making your final decision on your coverage.
When you’re ready to see what type and amount of life insurance coverage you may qualify for, we can help. We work with many of the top life insurers in the industry today, and we can help you in finding the ones that are more apt to work with higher risk cases such as applicants who have herpes. If you would like to move forward with the process, just quickly filling out the brief form on this page.
Should you have any additional questions regarding how to find life insurance for people with herpes – or even if, you just have a question about life insurance in general – please feel free to contact us directly. We can be reached by phone, toll-free, by dialing 888-229-7522.
We understand that finding the right life insurance may seem difficult – especially if you have a health condition. But, the good news is that today, you have many options that are available to you. So, contact us – we’re here to help.