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Life Insurance with Tuberculosis

Researcher & Writer
April 29, 2020

Tuberculosis is a serious lung disease that shouldn’t be taken lightly. It used to be pretty hard to get life insurance coverage if you had tuberculosis. However, with the advancement of medical care, the prognosis for tuberculosis patients is much brighter. As a result, finding a company that will offer life insurance after tuberculosis is easier today than it used to be.

Life Insurance with Tuberculosis

If you have tuberculosis and want life insurance, then we have good news for you: it’s very possible for a TB patient to get life insurance.

How to get life insurance with tuberculosis

Just like with any disease or ailment, a life insurance company will look over a lot of information prior to approving your life insurance policy. Tuberculosis is considered a pre-existing medical condition. As a result, a life insurance company will look more intently into your medical history.

Some of the things the insurance company might ask you:

  1. Date of diagnosis – Life insurance companies want to know when you were first diagnosed with tuberculosis. This helps them to understand the way the disease has manifested, and to see your overall health during that time. Since tuberculosis is a curable disease, if you had it a long time ago and were cured, then this is better for your life insurance premium.
  2. Relapse information – Sometimes a person has tuberculosis more than once. Usually, this is because some of the bacteria has not been killed with the drugs the first time around. Life insurance companies want to know if you have had tuberculosis symptoms more than once. They will also ask you the date of all your tuberculosis diagnoses. Recurrence of tuberculosis may make it harder to qualify and you may be considered "high risk life insurance".
  3. Hospitalization history – Life insurance companies always want comprehensive information about your hospital stays, surgeries, and other procedures. This also applies to all incidents related to your tuberculosis diagnosis.
  4. Cigarette smokingSmoking always makes life insurance premiums higher, but in the case of a tuberculosis patient, it can even disqualify you from life insurance. Quitting smoking is always a good idea!
  5. Pulmonary function tests - A life insurance company may ask to see your pulmonary function test results so they have a better idea as to how your lungs are functioning. If you have not had a pulmonary function test, then they may require you to get one done.

In addition to this, a life insurance company will likely ask you about any other health problems and concerns. This is fairly standard any time you want to get a traditional life insurance policy.

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How do I know which life insurance companies will insure me?

There are many factors that life insurance companies consider before they will approve you for a policy. You should look for a company that doesn't have strict guidelines for those who have or have had tuberculosis. 

Your best bet is to speak with a life insurance agent. They can learn more about you and help you find the right company and the right type of life insurance policy for you and your family.

Written by
TermLife2Go
We are a team of life insurance experts with the simple mission of helping you find the best coverage for your unique situation. We research, review, and rank life insurance companies to make that process easier.