Q. I am in excellent health condition, however, I am a Hep B carrier. What's the best underwriting class I could get from my life insurance application?
A. The answer is it depends if you have chronic Hep B (Hep B carrier) or just an acute episode of Hep B, that has since resolved and all lab results returned to normal ...
If the latter, then it should not be a concern and you could achieve best class if you meet other conditions.
If it's chronic Hep B, then most insurance carriers will table rate you, and the specific class will depend on what lab results showing, liver function tests, any biopsy results, Dr.'s notes, etc. (if just a carrier w/ HBsAg positive and HBeAg neg, LFT’s always normal, than Standard class is common, and we know one carrier could potentially approve you at Standard Plus class.
A. The answer is it depends if you have chronic Hep B (Hep B carrier) or just an acute episode of Hep B, that has since resolved and all lab results returned to normal ...
If the latter, then it should not be a concern and you could achieve best class if you meet other conditions.
If it's chronic Hep B, then most insurance carriers will table rate you, and the specific class will depend on what lab results showing, liver function tests, any biopsy results, Dr.'s notes, etc. (if just a carrier w/ HBsAg positive and HBeAg neg, LFT’s always normal, than Standard class is common, and we know one carrier could potentially approve you at Standard Plus class.
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