Underwriting for Chronic Hepatitis B
The primary questions to be asked of a proposed insured that presents with this history are:
- Age at diagnosis and what are the average LFT readings — especially the ALT(SGPT)?
- Any diagnosis of fibrosis or cirrhosis?
- Has any testing been done (i.e., biopsy, CT scan, ultrasound)?...normal results?
- Have any medications been prescribed?... or any treatment w/ anti-viral drugs?
- Amount and frequency of any alcohol use?
- Frequency of follow up with doctor and testing results?
Underwriting decisions for chronic hepatitis B will be varied depending on the severity of the disease and how long a person has been infected. A Table 2-4 is typically what you’ll be looking at for a starting point, but Standard offers are possible with evidence of excellent control, normal liver function tests, negative biopsies, and good doctor's follow-ups.
If you have concerns about your life insurance application, please contact us as we have a very experienced in-house underwriting team that could help you!