Life Insurance with Hepatitis

Joseph Meyer
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What Life Insurance Underwriter’s are Looking For

To be underwritten for life insurance, you need to undergo a medical examination. In determining your risk category for life insurance, most underwriters will look at your medical exam results and how they impact your risk for Life threatening conditions.

There are a number of common conditions that are considered when underwriting an application for life insurance. Age, family history and lifestyle are also taken into consideration. We here at hepatoNet are not doctors so we can not make recommendations on specific tests with regard to Hepatitis. If you have questions about your individual situation, please consult your doctor.

What follows is our research on the common conditions that life insurance underwriters look for when determining if you are eligible for life insurance.

Other Factors of Getting Approved with Hepatitis

When applying for life insurance, you should know that there are two types of hepatitis, namely: hepatitis B and hepatitis C. Hepatitis B develops from a virus that infects your liver and will eventually cause permanent damage if left untreated. Hepatitis B is primarily spread through unprotected sex and drug use. Hepatitis C is a blood-borne virus that attacks your liver. This type of hepatitis is sometimes linked to a previous blood transfusion.

Both hepatitis B and hepatitis C increase your risk for liver damage and disease that could potentially lead to liver cancer.

Knowing this and other factors such as your overall health, family history and try to obtain life insurance can allow you to have peace of mind knowing that your family will have a source of financial support in the event of your death.

Medical Questionnaire with Hepatitis

A life insurance application is one of the most thorough medical questionnaires you’re ever going to fill out – and you should be completely honest with your answers.

What you don’t say can hurt you down the line. Although some life insurance companies consider themselves “No-Medical-Question” insurers – meaning they never disqualify anyone for life insurance – they all reserve the right to reject your application if you answer no to any of their medical questions.

The fastest and surest way to get declined for life insurance is to forget to mention a pre-existing medical condition. Sort of like forgetting your wallet when you’re going out to dinner with friends.

So when it comes to filling out the life insurance questionnaire, you have to be completely honest and upfront. Fill in those boxes honestly, and there is no reason as to why you wouldn’t be approved right away.

There’s also probably no better time to get life insurance than when you feel good. That’s because health is so important to life insurance. That’s because your health status affects your state of mind, your memory, and your ability to work.

Getting the Coverage You Need

If you suffer from chronic hepatitis, it is a good idea to see an insurance agent who’ll walk you through your options for life insurance. Hepatologists often recommend that people with hepatitis think about getting some life insurance coverage, particularly if they’ve got a family and dependents to think about.

Why It Might Be a Good Idea to Get Life Insurance Coverage.

Chronic hepatitis impacts all forms of health insurance, including life insurance. Insurance companies are much more likely to deny you a policy if you’ve got hepatitis. Some require you to prove that you’ve got an “A1” liver and that it’s in good condition.

There’s also a high level of stigma around the condition. Many employers won’t be too keen on giving you a job with an insurance company if they find that you have hepatitis. This may impact your ability to get life insurance coverage down the road.