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Life Insurance with Hepatitis C

Reviewed By: Rob Pinner

Rob PinnerRob Pinner is the founder and CEO of Pinner Financial Services servicing all 50 states. Rob started his insurance career in 2002. Full Bio >

Checked By: Holly Mitchell

Holly Mitchell’s background in life insurance insurance goes back to 1985 when she worked for her father who was a New York Life agent. Holly has a marketing degree from Auburn University and has had a life insurance license since 2008. In addition to advising life insurance for customers all around the country, Holly is our website fact checker.
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Last Updated: February 25th, 2021

If you have been rejected for life insurance in the past because of Hep C, you don’t have to go without coverage. There are still affordable choices for life insurance available for Hepatitis C patients.

Individuals can apply for life insurance with a company who understands their needs and is willing to help despite any pre-existing condition.

Getting life insurance may be easier than you think, even with Hepatitis C.

Can I Get Life Insurance with Hepatitis C?

Many of the Hepatitis C patients that we work with have been previously denied – usually because they applied with the wrong company.

In fact, there are several quality companies that are willing to insure those with Hepatitis.

For most life insurance companies, approval is based on whether or not the disease is in remission and how much damage the liver has taken.

Some companies have more experience and are going to be more favorable towards those diagnosed with Hep C.

Is Life Insurance Expensive with Hep C?

Those in remission who have had less liver damage will receive the most competitive rates for life insurance.

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.

Those who fall into this category might need to present a recent liver biopsy result to the insurance company. The more recent the biopsy results are, the better the insurance company will understand your present health situation.

How Do Insurance Companies Test for Hepatitis C?

Be prepared to answer some of the following questions which are quite common for anyone with Hep C:

  • What was your original date of diagnosis?
  • Did you go through tests to verify and determine the severity?
  • Were you been diagnosed with Chronic Persistent, Acute Viral or Chronic Active Hepatitis C?
  • Do you still continue to drink any alcohol of any kind, in any amount?
  • Since you were diagnosed, what medications have you taken, and which ones are you still currently taking?
  • Have your liver function enzymes been tested? If so, what were the results?
  • Are you currently going through any kind of procedure or treatment at this time?
  • Are there are any other pre-existing conditions to be aware of?

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 that are double a non-smoker’s.

How Much Life Insurance Do You Need?

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. Your life insurance policy can help your family get through the grieving process without having to worry about paying out bills.

Get the Best Rates for Life Insurance with Hep C

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.

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.

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.

We have access to over 30 companies and can deliver you quotes from all of them at once.

Fill out our form on this page for a customized quote, or call us at 800-712-8519.

Doug Mitchell, CLU

Doug Mitchell, CLU

Doug Mitchell, CLU holds a BA degree in Finance from Auburn University as well as having obtained a Chartered Life Underwriter (CLU) designation from The American College in Bryn Mahr, PA. Doug has spent close to 30 years in the life insurance and financial planning industry and has held licenses to sell securities, long-term care insurance, health. Some other notable items about Doug: Top of the Table Million Dollar Round Table member (MDRT). (MDRT is a global, independent association of the world’s leading life insurance advisors) | Premier Partner with Lincoln Financial and Cabinet Member | Served two years as President of the Auburn/Opelika Association of Financial Advisors | Life Millionaire status at Horace Mann Insurance Company and was awarded the Life Agent of the Year Award | New York Life, Executive Council Member | Currently serves as President of Ogletree Financial, a life insurance General Agency. | Doug is also a financial blogger addressing the topics of life insurance, annuities and retirement income planning.

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