What are my options for life insurance if I have chronic hepatitis b and mild cirrhosis? 
You can go about securing coverage in one of two ways for this type of medical condition . A route with no medical questions would be issued under a guaranteed-issue , graded benefit whole life insurance policy -LRB- 2-year waiting period for full coverage to start - accident only coverage in years 1 and 2 -RRB- . The maximum amount of coverage you can secure under one of these programs is between $ 20,000 - $ 25,000 . Please note , most guaranteed-issue life insurance policy have a minimum age requirement of 45 or 50 years old . The 2nd route is going to be the most advantageous If you 're looking for more coverage than that , but you would need to go through full underwriting . These programs would allow you to secure full coverage from day 1 of the policy -LRB- no waiting period under a graded benefit -RRB- . The specific results of the liver enzyme tests for the conditions , the medications used to treat the condition , alcohol consumption frequency , how long you 've had the condition , and other factors contribute to the risk classification a carrier can offer -LRB- this determines the rates -LRB- cost -RRB- for the coverage , if approved -RRB- . Because there is a presence of hepatitis with cirrhosis of the liver , you will need to shop the case among multiple companies to see which carriers can consider coverage at what risk class . Every company has their own underwriting guidelines so some companies may be able to work with the medical history where others may not - for this , I highly recommend shopping the case first before applying for ANY coverage because throwing mud against the wall to see what sticks -LRB- applying to multiple companies -RRB- can work against you as it can become a red flag to insurance companies when they see declines in the MIB -LRB- Medical Information Bureau -RRB- records . An independent insurance broker such as myself can do this for you . My group is licensed in over 35 states and with over 50 insurance companies and we charge no fees to our clients for our services . We can help you with the entire process from start to finish . If you 'd like assistance in buying a life insurance policy , please send me a message and we will help you shop the case so you can secure the desired coverage at the lowest possible cost - my contact information is provided on my profile . I hope the information is helpful - thanks very much for your question . 