Those with Hepatitis C need to apply for life insurance with a company that understands their needs or they may be declined. Many companies even choose to only insure those without pre-existing conditions. If a company that automatically declines individuals received your completed application, they may have denied you coverage simply because you have Hepatitis C. At BestLifeQuote we work with some of the best insurance carriers that are willing to help you despite your pre-existing condition. All hope is not lost, getting life insurance may be easier than you previously thought, even with Hepatitis C.
Our company has worked to help many people with Hepatitis C find life insurance companies that are willing to provide them with affordable coverage. Many of the Hepatitis C patients that we work with have been previously denied – usually because they applied with the wrong company.
We’ve talked to a lot of clients who have been rejected for life insurance in the past because of their Hep C. If you’re one of those people, there are still choices for life insurance. You don’t have to go without coverage.
Affordable Life Insurance With Hepatitis C
Most companies choose who they insure with Hepatitis C based on whether or not the disease is in remission and how much damage the liver has taken. Each company views Hepatitis C patients differently. Some companies have more experience and are going to be more favorably towards those diagnosed with Hep. C.
Experiencing sustained remission, especially those who have had less liver damage than others, will receive some of the most competitive rates for life insurance. Patients with these conditions will receive the best possible rates with Hep C because they do not have high risk profiles.
Those who suffer from minor liver damage as a direct cause of Hepatitis C tend to have higher risk profiles than those with milder cases. While sometimes discouraged, they can often find the life insurance policy they need. Those who fall into this category might need to present a recent liver biopsy result to the insurance company so that they can confirm how much damage has been done to the liver. The more recent the biopsy results are, the better the insurance company will understand your present health situation. Biopsy results can be as old as five years with most companies.
We work with life insurance companies that tend to work with those who have medical conditions such as Hepatitis C. These companies have a better understanding of the condition. With the help of our experience and insurance network, you can find a provider that is willing to cover you.
When you make the decision to call us, you will be asked a series of questions about your diagnosis before we can give you an accurate quote. You can also fill out our online form on this page and give us these details using the online form if you feel more comfortable. Be prepared to answer:
- When were you first diagnosed with Hepatitis C?
- What tests have you had done?
- Have you been diagnosed with Chronic Persistent Hepatitis C, Acute Viral Hepatitis C or Chronic Active Hepatitis C?
- How often do you drink alcohol?
- Have you been prescribed any medications for your condition?
- Have your liver function enzymes been tested? If so, what were the results?
- How often do you need to see a physician for treatment?
- What other medical conditions do you suffer from?
If we know this information, we can give you a good idea of what you’ll pay, and if you can get approved for coverage. We have several years of experience underwriting life insurance policies for those who suffer from Hepatitis C. This allows us to provide you with a stellar service that works with you to find you excellent coverage.
Aside from asking questions about your Hepatitis C, they are going to ask you additional questions about your family history and other general health questions. After the health questions comes the medical exam.
During the health questions and the medical exam, they are going to ask you about any tobacco usage or look for traces of nicotine. Your answer and those results can completely change the coverage they give you. If you’re a smoker, don’t be surprised to get rates which are double a non-smoker’s.
How Much Insurance Do You Need To Buy?
Before you can buy a plan, you need to know how much coverage you need. You wouldn’t buy a car without knowing what you needed, just like you shouldn’t buy a life insurance plan without understanding the coverage your family needs. Before you apply, let’s do some math.
First, gather up all of your debt information. Add up your student loans, medical bills, mortgage, business loans, and any other major unpaid bills. Once you’ve summed those up, this is your starting number.
Step two is to add in your income. Most insurance professionals (including ourselves) suggest getting seven to ten times your annual income. This will give them the money they need to replace your stream of income.
Losing a loved is never easy, but your debts will make it worse. Your life insurance policy can help your family get through the grieving process without having to worry about paying out bills.
Working With An Independent Agent
If you’re a high-risk applicant because of a pre-existing condition, like Hep. C, the best way to get cheap life insurance is to work with experienced agents, like ours at Best Life Quotes.
Instead of wasting your time calling dozens of companies and answering the same questions over and over, we can ask you a couple of basic questions and then give you access to tailored quotes. Independent agents are employees of a specific company. We have access to over 30 companies and can deliver you quotes from all of them at once.
Don’t believe the myth that MS patients can’t get life insurance. You can and it can be cheap and quality coverage.
Fill out our form on this page for a customized quote, or call us at 888-552-6159.