You may be able to qualify to purchase life insurance with Hepatitis B.
If you are looking to buy a large amount of life insurance with Hep B it will require that you take a medical exam and there will be a review of your medical records.
The life insurance company will look at your liver biopsy test results, your liver labs, what treatments you have been on, how long you have had Hep B, and other related factors.
Some things that can cause a decline for life insurance coverage from an insurance carrier may include liver fibrosis or cirrhosis, very high liver labs, and intolerance of treatment for your Hepatitis B.
However, even in those cases, you may still qualify to buy a simplified issue or guaranteed issue life insurance policy, if your age fits the requirements for those policies.
When the biopsy shows no liver damage and your Hepatitis B has been stable with normal liver labs, you may be able to qualify for medically underwritten life insurance coverage.
If you have an acute case of controlled Hepatitis B and there is no re-occurrences for 2 to 5 years, you should be able to purchase life insurance with little or no rate up for your policy.
However, if the Hep B was chronic and meds are still required you may or may not be declined for fully underwritten life insurance coverage.
Then you would need to find a guaranteed issued life insurance plan with graded benefits the first 2-3 years.
If you are looking to buy a large amount of life insurance with Hep B it will require that you take a medical exam and there will be a review of your medical records.
The life insurance company will look at your liver biopsy test results, your liver labs, what treatments you have been on, how long you have had Hep B, and other related factors.
Some things that can cause a decline for life insurance coverage from an insurance carrier may include liver fibrosis or cirrhosis, very high liver labs, and intolerance of treatment for your Hepatitis B.
However, even in those cases, you may still qualify to buy a simplified issue or guaranteed issue life insurance policy, if your age fits the requirements for those policies.
When the biopsy shows no liver damage and your Hepatitis B has been stable with normal liver labs, you may be able to qualify for medically underwritten life insurance coverage.
If you have an acute case of controlled Hepatitis B and there is no re-occurrences for 2 to 5 years, you should be able to purchase life insurance with little or no rate up for your policy.
However, if the Hep B was chronic and meds are still required you may or may not be declined for fully underwritten life insurance coverage.
Then you would need to find a guaranteed issued life insurance plan with graded benefits the first 2-3 years.
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