Does Life Insurance Check For Herpes?

  1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    Yes my company does have that as one of several medical questions that are normally asked before a life insurance policy can be issued. Each company has their own set of questions that are used to determine your rate and the types of policies that they will offer to you. Life insurance very individualized and to secure the proper coverages involves a meeting with a local agent.
    Answered on April 17, 2013
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  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    No, life insurance exams do not include a test for herpes in their blood or urine tests. It may be that a serious case of herpes will affect blood counts which cause the underwriter to dig deeper. But they do not test for it specifically, although the application may have a question about herpes.
    Answered on August 4, 2014
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