We know it can be frustrating searching for a life insurance policy with a history of Herpes.
Luckily, you’ve come to the right place.
At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Herpes? And if so…
2. How much will it cost?
Yes, most individuals with Herpes will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you’ll need to apply with a life insurance company that is accustomed to impaired risk cases, not an auto insurance company that just happens to also offer life insurance.
Best Case Scenario – Most cases of Herpes whether type I or type II may qualify for the best rating at “Standard”. It is however, important to establish the absence of complications like CNS, reproductive or urinary infections. Recurrences should also be at a minimum rate to ensure unlikeliness of complications. Click here for quote at “Standard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
If you’re unsure if you will qualify at “Standard” health class, please see the questions below:
How many times in a year do you usually have episodes of Herpes?
Herpes is a non-life threatening condition, which has a good prognosis with correct treatment and management. The number of recurrences, however, will show if there is the possibility of developing complications. The lesser the incidence of Herpes recurrences you have, the higher the chance of getting a “Standard” rating.
Have you experienced any symptoms within the last six months?
Symptoms of flare lesions, fever, body weakness or muscle pains that are accompanied by severe headache or flank pain may be signs of developing complications. These symptoms will require further evaluation before a rating can be given.
You might also be interested in reading “Life Insurance Approval with Grave’s Disease”
Do you have lifestyle practices that may put a higher risk to your condition?
Poor hygiene and unsafe sexual practices may put you at a higher risk of having recurring Herpes infection. This may cause you to develop complications, which may disqualify you for a “Standard” rating.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
How to Get a Quote
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Herpes
Herpes, also known as Herpesvirus hominis or Herpes Simplex Virus (HSV) is an infection that involves the mouth, face, throat, eyes and the central nervous system (HSV Type I) and the anus and genital areas (HSV Type II). Although these are the common areas affected, Herpes may affect all other areas of the body.
Symptoms of Herpes Type I include the presence of blisters or lesions of the lips, gums, tongue, palate, throat and facial area, which are commonly found in both children and adults. Other accompanying symptoms include fever, muscle pain, fatigue, loss of appetite and irritability.
Symptoms of Herpes Type II is characterized by headache, fever, general body weakness, muscle pain, plus genital symptoms of pain in the inguinal area, itchiness, urethral discharges and painful urination. The lesions in genital Herpes are characterized as painful blisters with pus or watery discharges.
Herpes types I and II are both transmitted by direct contact with body fluids or with the lesion of an infected person. Complications may involve CNS infections such as meningitis in cases of recurring Herpes type I, and genito-urinary infections such as cervicitis in Herpes type II.
Since Herpes viral infection is self-limiting, there is no cure. Treatment is directed towards relieving the symptoms. The best management is preventive care by frequent hand washing and safe sex.
See out other articles on Immune Disorders and Click Here!