Life Insurance with Herpes.
With nearly 3 million new cases of herpes diagnosed each and every year, one thing we can tell for sure is that here at IBUSA…
“We’ve helped a lot of folks qualify for life insurance without ever being told that they have it!”
Now we can say this with total certainty because it’s extremely uncommon for anyone to inform us here at IBUSA that they have herpes during typical life insurance application (and we help a LOT of people qualify for life insurance each and every year)!
Rather than focus on why folks “chose” not to tell us that they been diagnosed with herpes when we ask:
“Have you ever been diagnosed with any pre-existing medical conditions?”
Or provide a breakdown of exactly what herpes is and why most life insurance companies aren’t going to be all that worried about it, we rather spend our time talking about what “type” of life insurance policy you might be able to qualify for after you’ve been diagnosed with a pre-existing medical condition like Herpes which will probably me much more useful to you as you begin shopping for coverage.
Herpes, Life Insurance and Finding the best life insurance policy that you can qualify for.
Unlike other pre-existing medical conditions which can have a major affect on the outcome of one’s life insurance application and thereby play a role in determining what “kind” of life insurance policy you may or may not be able to qualify for, those who have been previously diagnosed with Herpes won’t face this same issue.
Which means that…
Ultimately, the biggest factor in determining what “kind” of life insurance policy is going to be the “best” for you will largely be determined by what you are hoping to achieve by purchasing your life insurance policy.
Are you purchasing life insurance to…
- Cover the cost of a mortgage?
- Replace a lost income?
- Protect a spouse or child?
- Secure a loan?
- Protect a business?
- Meet a divorce requirement?
Or are you just looking for a small policy that can be used to pay for one’s burial expenses or “final expenses”?
With this information…
In hand, we here at IBUSA can then begin to narrow down our search to which “type” of life insurance policy that might be the best for you whether that be a traditional life insurance policy, a No Medical Exam Life Insurance Policy or Burial Insurance Policy if that’s all your needs require.
Then once we’ve…
Determined what “kind” of insurance policy will best meet your needs, we’ll then want to focus on what exactly it will take in order to be able to qualify for such a policy. Because even though you’re previous Herpes diagnosis isn’t likely to play a role in determining whether or not you’ll be able to qualify for coverage, there are a wide variety of other variables that could play a role particularly if it looks like a traditional or no medical exam policy is your best option.
Variables such as:
- Your current height and weight,
- Existence of other pre-existing medical conditions,
- Current use of certain prescription medications,
- Current or recent use of any type of marijuana product,
- Previous felony or misdemeanor convictions,
- Etc, etc…
Once we’ve been able to narrow down what “type” of life insurance policy might be the “best” for you and we’ve been able to determine you’ll likely be able to qualify for such a policy, we can then turn our attention to “which” life insurance company is most likely to provide you with the “best” opportunity for success.
And by success…
What we’re referring to is PRICE! After all, there are literally 100’s of different life insurance companies out there many of which are going to have an A rating in customer support and financial security so ultimately from many it’s really going to come down to which life insurance company is going offer you the lowest price and/or which life insurance company is going to allow you to qualify for coverage without having to go through the process of actually taking a medical exam and waiting 2 to 4 weeks!
The good news is…
That here at IBUSA, we work with dozens of best life insurance companies in the industry which allows you to simultaneously “shop” these carriers against one another so that when you do decide to apply for coverage, you’ll know that you’re getting a great deal on your insurance!
So, if you’re currently “shopping” for insurance, you owe it to yourself to at least give us a call before you apply elsewhere and let us show you want we can do for you!