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Qualifying for Life Insurance with Gilbert’s Syndrome.

Researcher & Writer
August 06, 2017

In this article, we’re going to discuss the process and what it will look like to apply for life insurance after being diagnosed with Gilbert’s syndrome.

Now you may…

Be worried that you won’t qualify for a traditional term or whole life insurance policy now that you’ve been diagnosed with Gilbert’s syndrome or that you might have to pay more for your insurance than someone who hasn’t been diagnosed with Gilbert’s syndrome, but don’t fret, this is what we’re going to discuss here in this article.

And to discuss it properly, we’re first going to want to define exactly what Gilbert’s syndrome is so that we can get a better idea about why a life insurance underwriter may be concerned with the fact that you’ve been diagnosed with Gilbert’s Syndrome.

So… what is Gilbert’s Syndrome?

Gilbert’s syndrome is a genetic condition where one “normal” liver enzyme that is designed to help with the breakdown and disposal of bilirubin becomes mutated and is no longer able to perform its primary function.

Symptoms of Gilbert’s Syndrome.

The main syndrome is that you will have yellow eyes i.e. jaundice. Other than that, people with Gilbert’s Syndrome live healthy lives!

Some people report other syndromes, such as fatigue, though it’s not medically confirmed to be associated with Gilbert’s Syndrome.

There is no need for treatment for Gilbert’s Syndrome.

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It’s important to..

Get the right tests to make sure that Gilbert’s Syndrome is actually the cause of your jaundice. There are other things that can cause jaundice such as:

  • Liver cancer
  • Cirrhosis
  • Gallstones
  • Alcohol abuse

If jaundice is caused by anything other than Gilbert’s syndrome..

It may be a little trickier to get life insurance, especially at a preferred rate. Of course, even with these root causes, there is still probably a life insurance company that will cover you for a traditional term or whole life insurance policy.

But if it really is Gilbert’s Syndrome…

Getting life insurance with Gilbert’s Syndrome is really no biggie. You can live a happy, healthy life and qualify for life insurance.  So long as you are otherwise healthy, you can qualify for a term life insurance policy or a whole life insurance policy.  You can also "usually" qualify for a no medical exam life insurance policy as well!

Getting a preferred rate is possible!

Because there is no risk to your mortality, it’s easy to get a preferred rate with Gilbert’s syndrome…that is, if everything else checks out.

Other things that may get in the way of getting a preferred rate…

Life insurance companies see a lot more than your Gilbert’s syndrome. In fact, that’s one of the less important factors.

The two main things life insurance companies look at are:

  • Overall health
  • Lifestyle choices

Health includes things besides just your current state of health:

  • Medical history
  • Family medical history
  • Surgeries within the last 12 months
  • Prescription drug history within the last 12 months

Lifestyle choices include things like:

  • Dangerous vices (alcohol, smoking, drugs etc)
  • Dangerous hobbies (paragliding, snorkeling, etc)
  • Dangerous travel (Syria, Libya, Yemen, Iraq)
  • Dangerous career (construction, law enforcement, etc)

Finding a life insurance company can be complicated…

It may not sound like it, but it’s pretty difficult to find the right life insurance company. In order to do so, you have to look at all the individual factors, and see how various life insurance companies view them. Almost all life insurance companies find Gilbert’s Syndrome to be no big deal but…

Not all life insurance companies view every issue the same.

Some life insurance companies will be harsh on obesity, whereas another life insurance company may see that your weight hasn’t impacted your health, so it’s not a problem.

Finding a life insurance company…

It’s all about finding a life insurance company that can deal with your medical and lifestyle needs. For an individual with no experience in the life insurance industry, this can be a complicated process. Wading through all the offerings of various life insurance companies can be not only tedious, but also unfruitful!


For a life insurance expert, this job can be done in no time! However, make sure you talk to a life insurance expert that has no reason to sell you a life insurance policy – except for the reason that it’s the best one for you!

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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.