Hepatitis B Life Insurance

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First, The Basics of Hepatitis B

Hepatitis B (HBV or “Hep B”) is a serious liver infection that can lead to complications. Most adults suffering from the acute HBV recover fully. Those with chronic HBV have it for life, as there is no known cure for the chronic hepatitis B virus.

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Transmission of Hepatitis B

Hepatitis B is transmitted through bodily fluids. This means that you have to actually take in the infected person’s bodily fluids because the virus lives only a very short time outside the human body. The usual ways people contract hepatitis B is through sexual contact and drug users sharing needles, but it is also contracted by health care workers being accidentally stuck with needles and it can be passed from mother to child during delivery.

Prevention of Hep B

If you have a family member or you will be close to someone who has Hepatitis B, you might consider the Hepatitis B Vaccine. Given as a bi-monthly series of 3 injections over six months, it is the best way to prevent contracting hepatitis B. The hepatitis B vaccine is the best treatment for hepatitis B, as it prevents the disease altogether.

Immediately After Exposure to Hepatitis B

If you have recently been exposed to the bodily fluids of someone with hepatitis B and you haven’t been vaccinated, you may still prevent the development of Hepatitis B. See your doctor immediately, as an injection of hepatitis B immune globulin within 24 hours of exposure may prevent your contracting the disease.

Acute Hepatitis B Treatment

Acute hepatitis B goes away after a period of about 6 months. So, you may not need treatment at all for this type of hepatitis. A visit to your doctor is absolutely essential to determine which type of hepatitis you have, and your doctor will recommend a follow-up test to ensure your complete recovery.

Chronic Hepatitis B Treatment

Chronic Hepatitis B is a condition that is permanent and cannot be cured. In this case, your doctor will recommend the best treatment option for you. Antiviral medications will help to fight the growth of the virus, slowing its ability to damage your liver.  If you have chronic hepatitis B, you can still lead a normal life by religiously following the hepatitis B treatment plan prescribed by your doctor.

Hepatitis B and Life Insurance

Outlook Life carries many companies that understand hepatitis B, and will rate you fairly based on your medical history. If you cannot qualify for a traditional policy, we have some No Exam policies that work very well for people with more advanced hepatitis B. We know which carriers to use to get your most affordable Hepatitis B life insurance rate, and will not rest until we have helped you get the most affordable HBV life insurance policy available.

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