Yes you can; however, the cost of insurance will be higher than if you did not have Hepatitis C. Most "guaranteed issue" life insurance policies would allow for this disease without the requirement of a health exam. The application consists of medical and prescription questions, but no fluid samples are required. Guaranteed issue policies are more expensive because they are designed for people with illnesses to have access to life insurance coverage.
Yes, most people can get life insurance with Hep C.
If you want a policy that pays 100% of the death benefit from day one, or for face amounts over $100,000, there will be some medical requirements. The Hepatitis C must be stable and liver labs close to the normal range. Those who have never had a liver biopsy will pay higher rates, although if you have had a liver biopsy it cannot show cirrhosis. If you have had Hep C treatment that was still successful at least a year after the last treatment, rates will be best.
If treatment was recommended and proved unsuccessful, or if liver labs are high, or other signs that the Hep C is not under control, then there are simplified or guaranteed issued policies available to nearly everyone who has Hepatitis C. What you can get will depend on your age and the products offered in your state.
Contact an agency with experience in writing life insurance for people with Hep C to find your best rate.
A - B - C.... YES... you can. Underwriting guidelines for each carrier are going to be SOOOOOO different for this situation. Work with someone who is a violently independent agent.... I might know one :-) ....
DO NOT "just apply to see what happens". Have the agent do a detailed risk assessment with their underwriting department FIRST. Declines are reported to the Medical Information Bureau. MIB... An unnecessary hit on their could make a second carrier think twice about insuring you just because you have that black eye when MAYBE they would have said yes. There is no guarantee that you will be approved even after a risk assessment. You'll save more time if you & your agent do a little more work upfront.
Within my firm I DO HAVE a plan that is guarantee issue** & up to 170K in coverage. **There are a few requirements yet they are not health requirements. Reach out with questions.
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If you want a policy that pays 100% of the death benefit from day one, or for face amounts over $100,000, there will be some medical requirements. The Hepatitis C must be stable and liver labs close to the normal range. Those who have never had a liver biopsy will pay higher rates, although if you have had a liver biopsy it cannot show cirrhosis. If you have had Hep C treatment that was still successful at least a year after the last treatment, rates will be best.
If treatment was recommended and proved unsuccessful, or if liver labs are high, or other signs that the Hep C is not under control, then there are simplified or guaranteed issued policies available to nearly everyone who has Hepatitis C. What you can get will depend on your age and the products offered in your state.
Contact an agency with experience in writing life insurance for people with Hep C to find your best rate.
DO NOT "just apply to see what happens". Have the agent do a detailed risk assessment with their underwriting department FIRST. Declines are reported to the Medical Information Bureau. MIB... An unnecessary hit on their could make a second carrier think twice about insuring you just because you have that black eye when MAYBE they would have said yes. There is no guarantee that you will be approved even after a risk assessment. You'll save more time if you & your agent do a little more work upfront.
Within my firm I DO HAVE a plan that is guarantee issue** & up to 170K in coverage. **There are a few requirements yet they are not health requirements. Reach out with questions.
- gravy