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Life Insurance with Herpes

Licensed Life Insurance Agent/Marketing Manager
April 01, 2020

Medical history can be a common concern for those who are looking to apply for life insurance. If you suffer from herpes read on to see how your life insurance could be affected.

In this article we will address the following concerns:

  1. Can I get life insurance when I have herpes?
  2. What will life insurance cost if I have herpes?
  3. What is the process of applying for life insurance when you have herpes?

Can I get life insurance with herpes?

Yes, herpes isn't considered a life threatening condition.

You can expect to have many options for both the type of policy that you want and the life insurance company you are looking for.

How much does life insurance cost with herpes?

Life insurance companies will typically look at a combination of age, health, gender and lifestyle among other things when determining your rate.

In most cases if you have herpes and no other health conditions you can still qualify for the cheapest rates available.

If you want to get an idea of how much it will cost for you, input your information into the quoter tool on the right.

Your costs will also be determine based on the type of life insurance policy that you go with along with the amount of coverage you are looking for.

Some types of life insurance policies are cheaper than others. For example, term is the cheapest option, however it is only active for a certain period of time, which may not meet your needs. 

The amount of coverage you apply for can also affect your rate. The more coverage you want the more expensive your policy will be. 

What is the process to apply for life insurance?

The policy you choose can also affect the full process. If you have herpes but no other health conditions you might want to consider a more traditional life insurance policy or a no exam policy. 

The traditional policy is usually the cheaper option if you are healthy overall. With this process you will be required to take a life insurance medical exam. The examiner will typically come to your home to check things such as height and weight and to take a blood and/or urine sample. The insurance company will also be able to access your medical records and a list of current and past prescriptions. They will use all this information along with the application to determine the cost of your policy. 

With a no medical exam life insurance policy you can skip the exam. This is a great option for those who are healthy. You can get approval in less than 15 minutes on higher coverage amounts, typically for just a few dollars a month more than a traditional policy. 


With herpes you shouldn't see any issues in being able to qualify for life insurance. And in most cases as long as you don't have any other health conditions you would also qualify for the cheapest rates. 

If you are looking to get a quote or speak with a licensed life insurance agent, give us a call today. 

Written by
Chelsie Ball
Chelsie is fixated on developing innovative ways to present complex ideas and maneuvering people to the information they need. She has worked in digital marketing for the past eight years and has been a licensed life insurance agent since 2010. When she isn’t looking out for the user, you can find her watching Netflix or desperately trying to find a real hobby.