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How to get Approved for Life Insurance With Hepatitis

Researcher & Writer
September 17, 2013

If you suffer from viral hepatitis then you need to read this. There are three important questions you need to ask if you are applying for life insurance with hepatitis which are:

  1. Can I get life insurance with hepatitis?
  2. What will life insurance cost me if I have hepatitis?
  3. What is the process of applying for life insurance with hepatitis?
Let’s begin with a brief overview.

Viral hepatitis, including hepatitis A, hepatitis B, and hepatitis C, are recognizably different diseases that affect the liver.

Can I get life insurance?

The quick answer is, YES.

Your eligibility will depend on what type of hepatitis you have or had.

What is the cost?

Life insurance companies have about 16 different rate classes. What rate class you qualify for will also determine your cost.

Clients who are fully recovered from Hepatitis A can qualify for a preferred plus rate class assuming there are no other health issues.

For a client who has fully recovered from hepatitis B or C, and who has normal liver function tests for at least 2 years, can qualify for a preferred rate class.

For clients with Hepatitis C the carrier will be concerned about your liver. You liver enzymes may be elevated and you could still qualify for a standard or slightly less than standard rate class. Preferred health classifications may be available for Hepatitis C after successfully completing interferon and ribavirin therapy and testing shows no serious liver damage. Standard health classifications are available to all ages after two years of successful treatment. Standard rates are available for all ages six months after successful direct acting antiviral treatment.

Clients with a more serious case of Hepatitis C with severe liver damage may need to consider a burial life insurance policy where there is no medical exam and no health questions.

If you are curious what your price tag would be, simply enter your information and see what the price is for your age and gender based on the above rate class you believe you qualify for.

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What is the process?

A guaranteed issue policy is quick and easy. It is guaranteed issue so everyone within the required age bracket will qualify for this coverage. Typically, final expense and burial insurance companies will offer policies with face amounts ranging from $5,000-$30,000, depending on the carrier.

No exam life insurance and fully underwritten coverage is also available.

A fully underwritten life insurance policy requires a life insurance medical exam. The examiner typically comes to your home and checks your height and weight and takes a small blood and urine sample. Your lab results are then processed. The carrier will request physician statements and look into your medical records. The carrier will also do a prescription database check to see what medications you are currently taking and have taken in the past. An underwriter will then assess your “risk” level and give you a rate class assigned to your specific risk. Your assigned agent will then follow up with you and let you know of your approval.

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