{"id":430,"date":"2017-05-16T08:51:48","date_gmt":"2017-05-16T12:51:48","guid":{"rendered":"https:\/\/blq.wpengine.com\/blog\/?p=430"},"modified":"2021-02-25T13:01:08","modified_gmt":"2021-02-25T18:01:08","slug":"life-insurance-hepatitis-c","status":"publish","type":"post","link":"https:\/\/www.bestlifequote.com\/blog\/life-insurance-hepatitis-c\/","title":{"rendered":"Life Insurance with Hepatitis C"},"content":{"rendered":"<p>If you have been rejected for life insurance in the past because of Hep C, you don&#8217;t have to go without coverage. There are still affordable choices for life insurance available for Hepatitis C patients.<\/p>\n<p>Individuals can apply for life insurance with a company who understands their needs and is willing to help despite any pre-existing condition.<\/p>\n<p>Getting life insurance may be easier than you think, even with Hepatitis C.<\/p>\n<h2>Can I Get Life Insurance with Hepatitis C?<\/h2>\n<p>Many of the Hepatitis C patients that we work with have been <a title=\"Denied, Declined? \u2013 It\u2019s Not the End of the World As You Know It\" href=\"https:\/\/www.bestlifequote.com\/blog\/top-6-reasons-people-get-declined-life-insurance\/\">previously denied<\/a> &#8211; usually because they applied with the wrong company.<\/p>\n<p>In fact, there are several quality companies that are willing to insure those with Hepatitis.<\/p>\n<p>For most <a href=\"https:\/\/www.bestlifequote.com\/blog\/best-life-insurance-companies\/\">life insurance companies<\/a>, approval is based on whether or not the disease is in remission and how much damage the liver has taken.<\/p>\n<p>Some companies have more experience and are going to be more favorable towards those diagnosed with Hep C.<\/p>\n<h3>Is Life Insurance Expensive with Hep C?<\/h3>\n<p>Those in remission who have had less liver damage will receive the most competitive rates for life insurance.<\/p>\n<p>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.<\/p>\n<p>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.<\/p>\n<h2>How Do Insurance Companies Test for Hepatitis C?<\/h2>\n<p>Be prepared to answer some of the following questions which are quite common for anyone with Hep C:<\/p>\n<ul>\n<li>What was your original date of diagnosis?<\/li>\n<li>Did you go through tests to verify and determine the severity?<\/li>\n<li>Were you been diagnosed with Chronic Persistent, Acute Viral or Chronic Active Hepatitis C?<\/li>\n<li>Do you still continue to drink any alcohol of any kind, in any amount?<\/li>\n<li>Since you were diagnosed, what medications have you taken, and which ones are you still currently taking?<\/li>\n<li>Have your liver function enzymes been tested? If so, what were the results?<\/li>\n<li>Are you currently going through any kind of procedure or treatment at this time?<\/li>\n<li>Are there are any other pre-existing conditions to be aware of?<\/li>\n<\/ul>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>If you&#8217;re a <a href=\"https:\/\/www.bestlifequote.com\/blog\/life-insurance-for-smokers\/\">smoker<\/a>, don&#8217;t be surprised to get rates that are double a non-smoker&#8217;s.<\/p>\n<h2>How Much Life Insurance Do You Need?<\/h2>\n<p>Before you can buy a plan, you need to know how much coverage you need.<\/p>\n<p>You wouldn&#8217;t buy a car without knowing what you needed, just like you shouldn&#8217;t buy a life insurance plan without understanding the coverage your family needs. Before you apply, let&#8217;s do some math.<\/p>\n<p>First, gather up all of your debt information. Add up your student loans, medical bills, mortgage, business loans, and any other major unpaid bills.<\/p>\n<p>Once you&#8217;ve summed those up, this is your starting number.<\/p>\n<p>Step two is to add in your income. Most insurance professionals (including ourselves) suggest getting seven to ten times your annual income.<\/p>\n<p>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.<\/p>\n<h2>Get the Best Rates for Life Insurance with Hep C<\/h2>\n<p>If you\u2019re a <a href=\"https:\/\/www.bestlifequote.com\/blog\/high-risk-life-insurance\/\">high-risk applicant<\/a> 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.<\/p>\n<p>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.<\/p>\n<p>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.<\/p>\n<p>We have access to over 30 companies and can deliver you quotes from all of them at once.<\/p>\n<p><strong>Fill out our form on this page for a customized quote, or call us at 800-712-8519.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you have been rejected for life insurance in the past because of Hep C, you don&#8217;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 [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[85],"tags":[],"table_tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.bestlifequote.com\/wp-json\/wp\/v2\/posts\/430"}],"collection":[{"href":"https:\/\/www.bestlifequote.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bestlifequote.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bestlifequote.com\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bestlifequote.com\/wp-json\/wp\/v2\/comments?post=430"}],"version-history":[{"count":0,"href":"https:\/\/www.bestlifequote.com\/wp-json\/wp\/v2\/posts\/430\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bestlifequote.com\/wp-json\/wp\/v2\/media?parent=430"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bestlifequote.com\/wp-json\/wp\/v2\/categories?post=430"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bestlifequote.com\/wp-json\/wp\/v2\/tags?post=430"},{"taxonomy":"table_tags","embeddable":true,"href":"https:\/\/www.bestlifequote.com\/wp-json\/wp\/v2\/table_tags?post=430"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}