Getting Life Insurance Coverage with Hepatitis B
If you have been diagnosed with Hepatitis B, it is possible to get life insurance coverage. One of the most important consideration in getting coverage is your health condition at the time of the application. When applying for coverage, your approval will be based upon a number of different factors. While certain types of health conditions may or may not be considered serious, it is always important that you disclose all health issues on their application for coverage.
Underwriting on your application for coverage will vary, depending upon the severity of your condition, as well as the length of time you have been affected with this condition. Keep in mind that you can always avoid the health screening by applying for a guaranteed acceptance policy – No health questions or medical exam required to qualify.
Some symptoms associated with Hepatitis B:
- Abdominal pain
- Dark urine
- Joint pain
- Loss of appetite
- Nausea and vomiting
- Weakness and fatigue
- Yellowing of your skin and the whites of your eyes (jaundice)
- Extreme tiredness
- Light-colored stools
- Can lead to Cirrhosis, or hardening of the liver
You Can Get Life Insurance Coverage
If you have Hepatitis B
Insurance Underwriters Risk Assessment Of Hepatitis B
At this time, there is no known cure for the chronic hepatitis virus. Therefore, having this condition can be a negative factor when applying for life insurance, as it can deem an insured as an increased risk to the insurance company. The underwriting of life insurance involves the consideration of a wide range of an applicant’s personal criteria – including their age, gender, health, and lifestyle factors. All of this combined will help the underwriters to determine how much risk the applicant presents to the insurance company in terms of the claim that may need to be paid out. Insurance companies know that hepatitis B is a serious liver infection, which could in some instances lead to life threatening complications. There are, however, many people who have made full and successful recovery from hepatitis B and have been able to take out standard life insurance policies, paying average or just slightly elevated premium rates.
If you have Hepatitis B or have any other illnesses, fill out the contact form above for a Quick Quote from a Licensed Senior Life Insurance Professional in Your State. Your policy can cost as little as $1 a day.
Getting life Insurance Coverage With Hepatitis B
If you are seeking life insurance coverage with having Hepatitis B we can help. Some life insurance companies may not provide coverage if you have Hepatitis B, due to their underwriting risk assessment. However our A+ Rated life insurance carriers will provide you with low cost life insurance coverage if you have Hepatitis B. Fill out our Contact Form to request life insurance coverage if you have Hepatitis B or other medical issues.
While having Hepatitis B there things you can do to help in getting affordable coverage. Like doing your best to stay healthy and avoid smoking. You can also keep your life insurance qualifying costs down by having regular physicals and doctor checkups. In fact, the longer you are in good health, the greater your chances are of qualifying for a more affordable whole life insurance policy. By showing the insurance company that you have been taking care of your Hepatitis B medical condition, you may qualify for a lower monthly premium. If you have been diagnosed with Hepatitis B and need life insurance, one of the most important steps you can take toward getting coverage is to work with a life insurance agent who specializes in obtaining life insurance coverage for people with your condition.
By working with an agent who specializes in this type of life insurance, you will increase your chances of finding the most affordable coverage. Even If your health condition with Hepatitis B is deteriorating and you are concerned that you will not qualify life insurance, you can still get coverage. People with Hepatitis B can lead a full and normal life if their condition is detected early and properly treated. It is very important that you do your best to maintain good health in order to qualify for the best rate.
Our Agents at SeniorCareLife specialize in knowing the most affordable coverage options with the best life insurance companies for your condition. With your Hepatitis B under proper treatment you may possibly even get coverage with a low cost Standard Whole Life insurance policy. With getting help from an agent who specializes in Hepatitis B life insurance coverage you are sure to get the best rate. Our agents will assist you in obtaining the coverage you need at a rate you can afford. With today’s high medical cost, any money saved will help in reducing your over all monthly expenses in managing your Hepatitis B health condition. We do our best in getting you the lowest cost coverage for your condition.
When applying for a policy with any of our carriers, keep in mind that you will not have to submit to a doctor’s medical examination and in some cases will not need to submit any information about your health condition. Your agent will know about the insurance companies underwriting criteria and requirements for life insurance coverage with Hepatitis B.
We can also get you a Whole Life Insurance Policy with No Medical Exam. Depending on the life insurance company underwriting guidelines – with Hepatitis B you may also qualify for:
- Standard Life Insurance Coverage or
- Substandard Life Insurance Coverage or
- Graded Benefit Life Insurance Coverage or
- Modified Benefit Life Insurance Coverage
If you have already requested your senior whole life insurance quote, our agents will call you back soon as possible to discuss your condition and give you a free no obligation quote on your whole life insurance policy.