Life Insurance with Herpes
If you suffer from herpes then you need to read this. There are three important questions you need to ask if you are applying for life insurance when you have herpes which are:
- Can I get life insurance when I have herpes?
- What will life insurance cost if I have herpes?
- What is the process of applying for life insurance when you have herpes?
Let’s begin with a brief overview.
Can I get life insurance?
The quick answer is, YES.
Herpes is not considered life threatening. Although people who have herpes may have a lower quality of life it is not enough for a life insurance underwriter to offer a lower rate class.
What is the cost?
Life insurance companies have about 16 different rate classes. What rate class you qualify for will also determine your cost.
If you have herpes and no other health issues then you will qualify for a preferred plus rate class.
If you are curious what your price tag would be, simply enter your information and see what the price is for your age and gender based on the above rate class you believe you qualify for.
What is the process?
No physical exam life insurance is a great option for those who are healthy. You can get approval in less than 15 minutes on coverage up to $400,000. We also represent a no exam company that offers up to a million dollar life insurance policy. See our chart of life insurance rates by age.
A fully underwritten life insurance policy requires a life insurance medical exam. The carrier will also do a prescription database check to see what medications you are currently taking and have taken in the past. An underwriter will then assess your “risk” level and give you a rate class assigned to your specific risk. Your assigned agent at TermLife2Go will then follow up with you and let you know of your approval.
The entire process is handled by us so you can just sit back and wait for the life insurance carrier to complete your file. Speaking of life insurance carriers, not all life insurance carriers are the same!
Not all life insurance carriers are the same
The life insurance industry is just like every other industry out there. Competition is constantly driving insurance carriers to compete for your business. As a result, carriers take on “niches” in an effort to earn market share. It is important to know these niches and it is important the agency you chose has the freedom to choose from multiple life insurance carriers. As a consumer, it is in your best interest to work with an agency that is not bound to any one carrier and will be able to shop your application to dozens of different companies available. Only by doing this can you insure that you are getting the best types of life insurance policies tailored to your specific needs.