Life Insurance With Hepatitis C

Hitting a hurdle when looking for affordable life insurance with Hepatitis C?

Fully underwritten life insurance policies are definitely still available for people with Hepatitis C. Often times, those who are declined simply did not apply with the right carrier.

At Waterway Financial Group, we work on your behalf to sift through more than 50 carriers to find you the best policy available on the market. Life insurance with hepatitis C can be approved at great rates, but only with select companies.

Read more below to find out how you can get life insurance with Hepatitis C. Not everyone will be eligible, but we can give you the details on what specifics you need to know and understand, how to present your application for the best results, and what kinds of ratings you can expect.

Buying Life Insurance With Hepatitis C

life insurance with hepatitis cWith every health concern, an insurance company has to evaluate what potential risk you may be or may become down the road before offering coverage. For those with Hepatitis C, there are many guidelines which help an underwriter to assess this risk, and every carrier has a different tolerance based on their guidelines.

There are different severities of Hepatitis C, so knowing where you fall on this scale can help you to align your expectations before applying. To get a grasp on this scale, we’ll take a quick look at what factors of Hepatitis C are deemed risky and to what ratings they correlate with. According to the Center for Disease Control and Prevention:

Hepatitis C is a liver disease that results from infection with the Hepatitis C virus. It can range in severity from a mild illness lasting a few weeks to a serious, lifelong illness. Hepatitis C is usually spread when blood from a person infected with the Hepatitis C virus enters the body of someone who is not infected. Today, most people become infected with the Hepatitis C virus by sharing needles or other equipment to inject drugs. Before 1992, when widespread screening of the blood supply began in the United States, Hepatitis C was also commonly spread through blood transfusions and organ transplants.

Hepatitis C can be either “acute” or “chronic.” Acute Hepatitis C virus infection is a short-term illness that occurs within the first 6 months after someone is exposed to the Hepatitis C virus. For most people, acute infection leads to chronic infection. Chronic Hepatitis C is a serious disease than can result in long-term health problems, or even death.

The few major points which are most important from this snippet are defining your Hepatitis C as either acute or chronic, and the second is how the Hepatitis C was contracted.

What Ratings Are Available For Life Insurance With Hepatitis C?

It is possible to qualify for life insurance with Hepatitis C as long as you meet a few criteria, and as long as the rest of your health allows it. Ratings range for fully underwritten policies from excellent rates to declines, largely dependent on factors like severity, time frame, origin of the disease, and the amount of damage to vital organs.

The best case scenario is one where a person had an acute bout with Hepatitis C (although this represents only 15-20% of all cases) where there was no damage to the liver. These people post little risk as the Hepatitis C can stay in remission and not cause any long term risks or complications.

For the vast majority, however, the Hepatitis C will become chronic and there is no cure or vaccine for the disease. Ratings for these individuals vary greatly on the following factors:

  • Date of Diagnosis
  • Age at Diagnosis
  • Type of Hepatitis (acute, chronic persistent, etc.)
  • Types of Treatments / Medications
  • Results of Biopsy (preferred last 12 months)
  • Results of Liver Enzyme Testing
  • Origin of Hepatitis C (blood transfusion, un-sterilized needles, etc.)
  • Other Health Concerns

Having this information readily available will help us to identify how a life insurance company will view someone with Hepatitis C. We can even pre-screen you with multiple carriers ahead of time to get an inside look at what each company may consider your approval at, without taking a full life insurance application. This is instrumental in avoiding unnecessary declines, wait times, or extraordinarily high premiums.

Our goal is to not only get you exactly what you’re looking for, but find you the best and most affordable life insurance with Hepatitis C, regardless of previous declines. Contact us for more information.

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