Can I Get Life Insurance If I Have Hepatitis B?

  1. 10968 POINTS
    Tim Wilhoit
    Owner, Your Friend 4 Life, Brentwood TN
    It depends on the severity of the hepatitis B. If you have an acute case of controlled Hep B and there is no reoccurrences for 2 to 5 years, you should be able to purchase life insurance with little or no rate up. However, if the Hep B was chronic and meds are still required you could also be declined for underwritten life insurance. Then you would need to find a guarantee issued plan with graduated benefits. Either way you should be able to find some amount of life insurance, good luck.
    Answered on May 26, 2014
    flag this answer
  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    You can usually get life insurance while having Hepatitis B. If you want a large policy that requires an exam and medical records, the insurance company will look at your liver biopsy results, your liver labs, what treatments have been on, how long you have had Hep B, etc. Some things that can cause a decline are liver cirrhosis or fibrosis, very high liver labs, and intolerance of treatment. However, even in those cases, you can get a simplified or guaranteed issue policy, if your age fits those guidelines. When the biopsy shows no liver damage and your Hepatitis B has been stable with normal liver labs, you can be rated as good as a low table rating on a medically underwritten policy.
    Answered on May 26, 2014
    flag this answer
  3. 21750 POINTS
    Jim Winkler
    CEO/Owner, Winkler Financial Group, Houston, Texas
    That is an excellent question! The short answer is yes, you can. The longer answer is that the type of policy available to you will most likely depend upon your medical history, and current condition. I would strongly advise that you find a good independent agent (one not tied to a specific brand) that can help you sort through a few companies to find your best bet. If you would like help, please feel free to contact me, okay? Thanks for asking!
    Answered on May 27, 2014
    flag this answer
  4. 2775 POINTS
    Joe 'Gravy' Graves
    Owner, I Hate Buying Insurance, Nashville TN
    A - B - C.... YES... you can. Underwriting guidelines for each carrier are going to be SOOOOOO different for this situation. Work with someone who is a violently independent agent.... I might know one :-) .... DO NOT "just apply to see what happens". Have the agent do a detailed risk assessment with their underwriting department FIRST. Declines are reported to the Medical Information Bureau. MIB... An unnecessary hit on their could make a second carrier think twice about insuring you just because you have that black eye when MAYBE they would have said yes. There is no guarantee that you will be approved even after a risk assessment. You'll save more time if you & your agent do a little more work upfront. Reach out with questions.
    Answered on April 28, 2016
    flag this answer
    5. Did you find these answers helpful?
    Yes
    No
    Go!

Add Your Answer To This Question

You must be logged in to add your answer.


<< Previous Question
Questions Home
Next Question >>