Will my life insurance company test me for herpes?
UPDATED: Mar 26, 2014
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Asked March 26, 2014
Life insurance is concerned with any health conditions which may interfere with your longevity. As a consequence, most life insurance applications ask whether you have had any sexually transmitted diseases. They are primarily looking for STD's such as syphilis or Aids, but the information also provides the company with data concerning others. The reasoning is that some types of STD can have an adverse effect on your life and need to be addressed accordingly.
You will not be tested specifically for herpes during your life insurance medical exam, but the blood samples are tested for many things, and it is possible that STD's could be one of the tests performed. However, since herpes itself is not commonly a life threatening disease, it will not have much effect on your premiums when the policy is written.
If you suspect that herpes is preventing you from getting a life insurance policy, or causing you to pay higher rates than necessary, try shopping around to find out what the going costs will be. Use a website like this one get a free life insurance quote. The quote will be based on your specific information, and it will even be compared with similar quotes from other companies. Buying insurance through a brokerage website can make it much easier to find insurance to meet particular needs.
The worst thing to do is to lie about having an STD, even herpes, on your life insurance application. If you do, the information may come up in medical records from your doctor, and then you would be denied life insurance because you lied on your application. It would be much better to pay a little more in premiums than to be denied coverage, and herpes will not increase your premiums in most cases anyway.
Answered March 26, 2014 by Anonymous