Life insurance blood tests do not test for herpes. However, some life insurance applications ask if you have an STD, and most ask that you note "other" health conditions if STD's are not listed. In addition, if you are taking any medication for herpes, the life insurance application will ask the reason for the medication.
While this is not a condition that will affect your rates a lot, if you want to avoid noting it on your application, choose a No Exam policy that does not ask for this information. However, if you are taking medication for herpes, the pharmacy record will most likely be checked.
This article may help you decide whether to take the exam or not: https://www.outlooklife.com/no-exam-life-insurance/is-it-right-for-me/
No, life insurance does not test for herpes, but the life insurance application may ask if you have any STD's. The insurance company will not do a specific blood test that is able to detect herpes.
To obtain a life insurance quote while having herpes, call an agent that works with health conditions. They will be able to quote you the best price by asking several companies on your behalf, without giving your name.
Not at all. However, as was said above, there are applications for life insurance which would ask abotu STD's. Still, the major one life insurance comapanies are most concerned with remains AIDS/HIV. Also DMV records and such depending on your age. However, if you have gotten treated for Herpes and there is something on paper ata doctor's office saying as much, it MIGHT pop up on the medical records check that a life insurance company might do. Just an FYI.
President | Founder, CLM Insurance Group, Delray Beach, FL
Life insurance exams won't test for Herpes, however, you'll find the question on many applications. You'll be asked about herpes and any other diagnosed STD's which in turn will effect the final risk class or approval of the application.
More leniant non-medical life applications won't even ask for it.
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While this is not a condition that will affect your rates a lot, if you want to avoid noting it on your application, choose a No Exam policy that does not ask for this information. However, if you are taking medication for herpes, the pharmacy record will most likely be checked.
This article may help you decide whether to take the exam or not: https://www.outlooklife.com/no-exam-life-insurance/is-it-right-for-me/
To obtain a life insurance quote while having herpes, call an agent that works with health conditions. They will be able to quote you the best price by asking several companies on your behalf, without giving your name.
More leniant non-medical life applications won't even ask for it.