Can you get Life Insurance with Cirrhosis?

Hey guys.. Do you have any idea about getting life insurance with cirrhosis.. I am still not sure I am cirrhosis or not but now I really think I should get life insurance!! Any idea about life insurance regarding to the poeple with cirrhosis or hep B!!!

Thanks ten!!

Post Edited By Moderator (MamaLama) : 8/1/2014 12:00:53 PM (GMT-6)

Hey Mamalama,
I had heP B. I had liver function test and ultrasound. liver function test are normal but doc said my liver has lumpy bumpy in the ultrasound which he think might be liver cirrhosis.. So I have appointment with my MRI on August-9

I have applied for life insurance 3 days back through Hepatitis life insurance advisor online quote. That online agent said the process will life insurance underwriting take 8 weeks!!

My MRI appointment is on august-9 and I have doctors appointment on August-26! On this day august-26 I think doc will decide whether I had cirrhosis or not. Because that time my doc had all the result of my blood test I did after my last visit with him and also the MRI result!!
So what I can do to get life insurance .. If I postpone my appointment with doctor for another month so that by that time 8 week underwriting period will be over and I can still say I am not cirrhosis at my insurance company paramedic Exam!!

I need some advice what to do....
I am so dump !! Confuses!!

Hmm.. I don't see anything wrong with postponing your appointment. After all, things DO come up sometimes.

But if they ask you that AFTER your diagnosis (should it be cirrhosis), you have to tell the truth.
Otherwise they could deny the claim to your beneficiary.

Talk to a lawyer if you really want a professional opinion.

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Mae

"I don't like to make plans in advance because the word 'premeditated' gets bandied about in the courtroom"

Caregiver for brother's liver transplant-Hep C from tainted transfusion in the early 70's
Blessedly rec'd liver 1/13/2013 at Mayo Clinic, Jacksonville, FL
Treated post-transplant and is undetected since July, 2013

Cirrhosis isn't going to be the life insurance problem, Hep B is. If you're getting life insurance, most companies will want labs (blood). If you have been diagnosed with Hep B by a doctor, which you say you have, there is a record and you would need to own up to it to the insurance company. If you lie to them, and they find out, your heirs won't get the life insurance settlement.

If you tell the insurance company, it's likely they either won't insure you, will, but it will cost a fortune, or they won't pay off if they can say that your death was related to Hep B, which could be most everything.

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nullum beneficium impunitum...