How To Get Life Insurance With Hepatitis In 2024

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Updated: 18 May 2024
Written by
Bob Phillips
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If you have Hepatitis B, you might be thinking about life insurance and wondering if you can get it. We’ve researched extensively into the subject of life insurance for Hepatitis B and put together some data and information here that should be helpful to you.

Medical advancements along with a better understanding of Hepatitis B has transformed the landscape of life insurance. These days, numerous insurers offer term insurance along with whole life options for individuals with Hepatitis B. We’ll look at these options, provide tips about coverage details, as well as how to qualify for life insurance with Hepatitis B, and more. Our goal is to offer assistance to anyone needing guidance in choosing the right life insurance policy.

Key Takeaways

  • Underwriting for Hepatitis B might be more complex and in-depth than standard applicants

  • Life insurance for those with Hepatitis B is available

  • Life insurance premiums are generally higher if you have Hepatitis B

Can You Get Life Insurance With Hepatitis B?

Yes, most people with Hepatitis B can get life insurance. Before advancements in the medical field, people with Hepatitis B were routinely denied insurance coverage. Nowadays, due to the progress of medicine and increased knowledge of this condition means that a lot of top life insurance providers (detailed below) provide term as well as whole life insurance coverage for those with Hepatitis B.

While it’s reassuring that life insurance is available now for Hepatitis B, the truth is that all insurers won’t offer this coverage, and some that do may deny your application as approval is granted on a case-to-case basis for this condition.

But, this doesn’t put life insurance out of your reach if you have Hepatitis B. Many insurers have recognized the need for life insurance for those with Hepatitis B, and offer policies to them.

Life insurance for Hepatitis B could cost as much as 25% more than standard issue, based on multiple factors like: your lifestyle, the health of your liver, your family medical history, and how compliant you are with following your doctor’s orders and recommendations.

Important: Life insurance for Hepatitis B is available, though the coverage might be limited and potentially more expensive.

How Does Life Insurance Eligibility Affect Hepatitis B?

A diagnosis of Hepatitis B isn’t a death sentence. There are treatments and biologics available to treat this disease with a good outcome.

If you had term life insurance before having Hepatitis B, your premiums are likely to go up when you renew your policy.

Traditional life insurance may not be available to all those with Hepatitis B, but there are insurance providers that offer insurance products for specialized conditions. These insurers might offer traditional life insurance to those with Hepatitis B, provided it’s well managed. Some applicants could also be approved for group or guaranteed issue life insurance. For example, if you have group insurance through an employer or organization, you can probably secure life insurance .

People diagnosed with Hepatitis B might consider doing a little research to gain an understanding of how applying for life insurance coverage works. It might be a pain to struggle through all of the unfamiliar terms of insurance language, but the financial protection, security, and peace of mind these policies provide is invaluable.

Those with Hepatitis B who had their insurance policy in effect before they had a transplant can’t have their policy canceled because of it. This underlines how crucial it is to get life insurance coverage as soon as possible.

Important: A life insurance policy can’t be rescinded or have the rates raised if your  Hepatitis B is diagnosed after the policy has been issued.

Life Insurance Underwriting Process For Hepatitis B

An elemental knowledge of the insurance underwriting process can be beneficial when you’re looking around for life insurance and you have Hepatitis B. Here are five steps in the underwriting process:

  1. Medical Examination: A medical exam is the first step in underwriting, in order to be approved or declined for coverage. You will have a physical exam, and then an insurance underwriter will assess your condition, with the emphasis on your overall health.
  2. Review of Medical History: You will be required to provide your medical history and records to the underwriter. They’ll want to know what kind of medical treatment you’re receiving, as well as how your health is after receiving treatment.
  3. Lifestyle Evaluation: Your lifestyle will come under scrutiny, too, including habits like smoking, alcohol consumption, and drug usage. Be aware that a healthy lifestyle may have a positive influence on your application being approved.
  4. Risk Assessment: The underwriter will take all of this information and the results of your physical examination, and then make a risk assessment of insuring your life. If you’re approved for coverage a favorable assessment may affect your premiums.
  5. Policy Issuance: Once you get through the underwriting process and haven’t been declined for coverage, the insurance provider will probably offer a life insurance policy. Depending on the assessment, your insurance coverage may have increased rates or exclusions.

What Do Life Insurance Companies Consider When Someone With Hepatitis B Applies For Coverage?

Those with a chronic hepatitis infection, and test results that show current and on-going issues, might still receive a standard rating. However, the insurance provider might deny your application. The most common reasons for an applicant with Hepatitis B being declined for coverage are:

  • Cirrhosis of the liver
  • Liver disease

When individuals with Hepatitis B apply for life insurance, there are multiple key factors that insurance underwriters will consider. Life insurance for high-risk applicants is always more complex than for people with average or good health.

Kidney failure, for instance, is very often a symptom of Hepatitis, Diabetes and Hypertension (high blood pressure). So, this means that your condition predisposes you to these serious health problems.

The first thing an insurance provider will want to know about is how well your Hepatitis B is managed. They will request access to your medical records and review your symptoms and treatments. Provided your medical history shows your condition as stable and well-managed, it may increase your chance of approval for life insurance.

Your day-to-day lifestyle plays a part in underwriting, too. Insurance carriers will want to assess your health and lifestyle habits, such as alcohol consumption, drug use and smoking. A healthy lifestyle has a positive effect on your application for life insurance. Your gender, family medical history, and age will also be considered.

The most important factor if you have Hepatitis B when it comes to purchasing life insurance is that it must be under control.

The bottom line is that Hepatitis B is a chronic condition, which will be taken into consideration by the insurer. Your current health condition, liver tests, and prognosis for your health in the future all have a significant effect on whether or not a company will approve your application for life insurance.

Best Type Of Life Insurance If You Have Hepatitis B

What types of life insurance are available for Hepatitis B? Here are five types that might be right for you:

Whole Life Insurance

You receive coverage for a lifetime with whole life insurance, while building a cash value that grows over time. Whole life insurance might be a good choice for anyone with Hepatitis B because it has a guaranteed death benefit, and your coverage never expires. Whole life insurance generally has a higher premium than term life insurance.

Term Life Insurance

Term life insurance provides coverage for a specified length of time, normally between ten to thirty-five years. It’s less costly than whole life insurance, which makes it a good option for individuals with Hepatitis B who want to secure adequate life insurance at a reasonable price.

Final Expense Life Insurance

Final expense life insurance, more often referred to as funeral or burial insurance, will  take care of end-of-life expenses. Final expense policies tend to have more lenient underwriting, which could be beneficial to anyone with Hepatitis B and struggling to get approved for alternative types of life insurance.

Guaranteed Issue Life Insurance

Guaranteed issue life insurance offers coverage to almost everyone, regardless of health conditions. It may be an excellent choice for people with Hepatitis B that have been declined for coverage from other insurers. It’s almost always more expensive than some types of life insurance, but if you’ve been declined by other carriers, it might be worth the increased rates.

Sometimes a guaranteed issue life insurance policy will have a Graded Death Benefit. This means that with Hepatitis B, for example, your policy won’t cover anything related to that condition for a period of time, usually 3 years. You may or may not have accidental life insurance included with your policy.

Group Life Insurance

Group life insurance is most often obtained through employers or other groups or organizations. For individuals with Hepatitis B who are in need of life insurance, this could be a great way to get life insurance coverage minus the in-depth underwriting process sometimes encountered with regular policies.


Tip: Living benefit riders can also be a lifeline for Hepatitis B. These optional additions to your policy can allow you to access a portion of your death benefit while still alive to help cover treatment expenses.

How To Buy Life Insurance With Hepatitis B

Following these four steps will help you find and purchase life insurance if you have Hepatitis B:

Research Your Options

Your first step should be researching various insurance providers that offer coverage for people with Hepatitis B. Some providers offer term insurance as well as whole life, and it’s important to understand the differences between the two types, before making a determination as to which is best for your needs.


Understand The Underwriting Process

Most life insurance applications will require you to share all details of your health condition. The underwriting process for Hepatitis B will usually be more intensive than standard, and could mean increased premiums, as well.


Consider Employer Or Group Coverage

If you have access to group life insurance, it might well be your top option. Group policies generally provide insurance coverage regardless of any health conditions you may have, including Hepatitis B. You might not even have to undergo a medical exam.


Apply For Coverage

Once you’ve settled on one insurer and coverage that seems to suit your needs, it’s time to complete and submit an application. This could include a lengthy health questionnaire, in addition to a thorough medical exam.


How Much Does Life Insurance Cost For Hepatitis B?

The rates you receive will vary based on the type of virus you have, as well as the severity of your infection. If you have recovered fully from the disease, or show normal liver function and viral load for a period of 2 years or longer, you can expect a better rating class and lower premiums.

The insurance underwriters will consider your overall health, family health history, and even your driving record. Individuals with a chronic hepatitis infection and test results that show current issues could still receive a standard rating. Or, the insurance company could deny your application. This is largely dependent on the company’s underwriting rules.

Here are some sample rates for 40 year old non-smokers by rating class with Hepatitis B:

Rating Class $100,000/Female $100,000/Male $250,000/Female $250,000/Male
Preferred $11.41 $13.02 $18.80 $21.67
Standard $16.12 $18.24 $28.86 $32.60
Table B $20.35 $23.38 $34.40 $41.56
Table D $23.56 $29.56 $44.02 $53.80
Table F $27.09 $35.87 $52.38 $64.57
Table H $31.45 $41.68 $61.78 $76.23

How You Can Qualify For Life Insurance With Hepatitis B

  • Liver enzymes test results are normal
  • There’s no evidence of the virus in your blood
  • Ultrasounds and/or biopsy test results are all normal
  • You have had 6 months of follow-up tests with your doctor
  • No history of alcohol abuse
  • There’s no indication of cirrhosis

In order for anyone with Hepatitis B to qualify for life insurance, an insurer will need proof that your condition is under control and well managed. This means giving the underwriter access to your medical records that show evidence of regular checkups with a doctor, as well as adherence to any therapy prescribed. Factors like your family medical history, your age, your overall health status along with your lifestyle choices, such as smoking, will also be considered.

If you have Hepatitis B, submitting a favorable application may help when you are trying to secure life insurance. Show the provider that you are doing well, keeping your doctors appointments, following a healthy lifestyle, and living a normal life.

Can Insurance Companies Deny Coverage To Hepatitis B?

Yes, insurers can deny an application for coverage if you have or have had Hepatitis B. Especially if you failed to divulge this information. Actually, being less than forthcoming about your condition for the purpose of getting insurance is fraud.

Please note that medical progress has improved the treatment for Hepatitis B. This has brought about better life expectancy and a change in the way some insurance carriers view the insurability of people with Hepatitis B.

The most important factor in whether an insurance provider will approve an application for coverage, along with how high the rates will be, is whether or not the person with Hepatitis B is faring well 2 years after treatment. The longer it has been since treatment, without any problems, the more likely you will be approved for life insurance coverage.

What Will Insurers Ask About Hepatitis B?

Here are some questions that are likely to be asked by the insurer when a person with Hepatitis B applies for life insurance coverage:

  • Current age
  • Gender
  • State of residence
  • Height and weight
  • Income and liabilities
  • Occupation
  • High-risk hobbies (if any)
  • Current and past health history
  • Family history
  • Foreign travel
  • Smoking habits
  • Driving history
  • Criminal history

The underwriter will probably ask these questions, too:

  • What type of hepatitis were you diagnosed as having?
  • When were you diagnosed with hepatitis?
  • Do you consume alcohol?
  • Have you had a liver biopsy or ultrasound of the liver?
  • Was there indication of fatty liver?
  • Was there indication of fibrosis, inflammation or cirrhosis of the liver?
  • What treatment have you received for hepatitis?
  • What are the most recent results of liver function tests, if known?
  • Do you have any other medical conditions?

Always be truthful when answering questions from an insurer. Not being honest about your condition is one of the only two reasons an insurance carrier can cancel your coverage.

Life Insurance Options If You Are Denied Coverage

Carriers may deny coverage for Hepatitis B if you have completed treatment but have elevated liver enzymes or other diagnostic tests that reveal ongoing problems. In that event, you still have options for life insurance.

Guaranteed Issue policies are an option if you have Hepatitis B and traditional life insurance isn’t available. Group life insurance, through an employer or other organization, provides coverage regardless of your health condition. There are special services online like Insuranceopedia, also, that can help you find life insurance coverage if you have Hepatitis B.

Important: Guaranteed issue policies are an excellent option if other companies have denied your application for whole, universal, or term life insurance policies.

Here are three tips that might be helpful in your search for life insurance:

  • Know Your Needs: You should have more than just a general idea of how much life insurance coverage you need. So, do the math and come up with a total as closely as possible about how much life insurance will be required to educate your children, replace your income, cover unexpected medical bills for your family, car repairs and new vehicles plus various types of insurance such as car insurance, homeowners insurance, health insurance, and more, if you weren’t around.
  • Explore Policy Types: Check out Graded Death Benefit policies and/or Guaranteed Issue life insurance. Both of these types of life insurance coverage are options for people with Hepatitis B.
  • Use Specialized Services: Check out services such as Insuranceopedia, that gets you quotes from various insurers, helps you compare rates and also helps find a life insurance policy that is both affordable and adequate for your needs.



What Is Hepatitis B?

Hepatitis is an inflammation of the liver. It’s caused by a virus that is spread through body fluids or non-infectious means. Some autoimmune diseases, excessive alcohol use, and certain types of medications can lead to a hepatitis infection. Some cases are acute and clear up in just a few weeks. Chronic infections can hang on for 6 months or more.

The Hepatitis B virus is responsible for this infection. This virus targets the liver and causes inflammation, enlargement, and other problems. Infections can last for several months or might become chronic. There’s a vaccination available to help protect you against the risk of a hepatitis B infection.

Other Health Concerns That Can Affect Your Life Insurance

When you submit an application for life insurance, insurers will do an evaluation of your health status. Here are seventeen health conditions that might affect your approval or the cost of your premiums for life insurance:

  • Alzheimer’s/Dementia: These conditions can have a significant effect on insurability
  • High Blood Pressure: Well managed hypertension might have a slight impact on your life insurance policy
  • Heart Disease: A  very common but serious health condition that may cause higher premiums or outright denial of coverage
  • AIDS: With modern strides in medical treatments, a lot of providers will now offer life insurance policies to people with HIV
  • Asthma: Depending on the severity, asthma may influence insurance rates
  • Cancer: Dependent on the stage and type of cancer, it can affect insurability
  • Liver Disease: Conditions such as cirrhosis might affect your life insurance policy
  • Diabetes: Both Type 1 and Type 2 diabetes may increase premium rates
  • Kidney Disease: Chronic kidney disease may lead to increased insurance costs
  • High Cholesterol: A level over 200 could mean higher premiums
  • Stroke: A history of stroke may increase premium rates
  • Lung Disease: Chronic conditions such as COPD can mean higher premiums
  • Substance Use Disorders: A history of drug or alcohol abuse can affect insurability
  • Depression: Mental health conditions such as depression may impact coverage
  • Obesity: A higher BMI may cause higher insurance costs
  • Rheumatoid Arthritis: This chronic condition can lead to higher premiums


Can Someone With Hepatitis B Qualify For Life Insurance?

This is dependent to a large degree on the company. Some insurers will issue coverage to an individual with Hepatitis B, and others won’t. If the infection is not acute but chronic, and is mild to moderate and well controlled, a lot of providers will be willing to offer life insurance to a person with Hepatitis B.

Hepatitis B might qualify for standard life insurance if all these criteria are met:

  • Their prognosis is good
  • There is little risk of health complications
  • They received treatment at least two years ago
  • Their condition is well-managed

What Insurance Is Best For Someone With Hepatitis B?

In some cases, a Guaranteed Issue policy is the best choice for Hepatitis B, especially if the condition is chronic and on-going, or if they have comorbidities.

Are People With Hepatitis B Classed As Having a Critical Illness In Insurance?

Yes, there are several serious health problems that can result from Hepatitis B. Diabetes, heart disease, hypertension and more besides can contribute to kidney failure…any of which might be fatal.


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