What are my options for life insurance if I have chronic hepatitis b and mild cirrhosis?

I’m 29 years old and have had chronic hepatitis B all my life from birth and recently diagnosed with mild cirrhosis. I follow-up with my doctor as directed and my blood labs are all healthy/normal. I imagine this condition is something that life insurance companies are concerned about. Do I have any options for life insurance coverage with my condition?

  1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    I do have a life insurance policy that you can get with chronic hepatitis B and mild cirrhosis, if it is available in your state. Ironically, there will be more policies available to you when you are over the age of 40, but this one is available at age 29.

    Unfortunately, you will not be able to get a medically underwritten policy with the presence of cirrhosis. I have tried this before and it would be a futile and disheartening experience for you.

    Please feel free to contact me for details of the policy that you can get.
    Answered on December 8, 2014
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