Life Insurance: Hep C

If you have been declined for life insurance due to Hepatitis C, it is very likely that that you haven’t applied with the right life insurance company. It isn't your fault, most likely the agent you applied with was not knowledgeable on knowing which life insurance company to apply with. There are some life insurance companies that only want to insure individuals that don’t have any pre-existing conditions, and if you applied with one of those companies you would have been declined due to the elevated liver function test results that results from Hepatitis C.

Hep C is probably more common than you might think. There are an estimated 4 million people in the United States that are suffering from hepatitis. Of that 4 million, around 3 million of those have hep C and there are around 3,000 people that die every year from a hep C related complications.
We work with a couple of top insurance companies that tend to be more favorable to people with Hepatitis C, and we have the experience to help you get coverage. Here are questions we will be asking you when you call us or fill out our quote form:

  • When were you diagnosed?
  • What are you liver function enzyme test results? Are they under control?
  • What is the current treatment or medications you take?
  • Do you drink alcohol? How much and how often?
  • What tests were done to diagnose you?
  • Do you have any other health conditions?

If you are in remission and have little or no liver damage you will likely qualify at a Standard Rating. If you do show some liver damage, and have some symptoms than you can still get approved, but most likely at substandard rates.

Getting Affordable Life Insurance with Hep C

If you assume that you can’t get cheap life insurance because of your pre-existing condition, you couldn’t be more wrong. Regardless of your health or any complications that you may have, it’s possible to get affordable life insurance. There are several things that you can do that will help you secure better rates from the insurance company. Making a few simple changes can save you thousands of dollars on your life insurance coverage every year. It’s important that you get the cheapest insurance premiums available.
The first things that you should do is cut out any tobacco that you currently use. If you’re a smoker, then you should expect to get drastically higher rates. Smokers are at a much higher risk of being diagnosed with severe health problems, like cancer or a heart attack. That insurance company is going to drastically raise your rates to offset that risk. Smokers are going to pay twice as much for life insurance protection versus what a non-smoker is going to pay for the same sized plan. If you want to save money, then cutting out tobacco is one of the best ways to do that.

Another way that you can save money is to improve your overall health. Before the insurance company approves your application, they are going to require that you take a medical exam. The results of the medical exam are going to play a major role in how much you pay every month. Getting better results is going to mean lower rates. The two best ways that you can get lower insurance premiums is to stick to a diet and get regular exercise. Both of these can help you lose weight, lower your blood pressure, and much more.

How Much Life Insurance Should You Buy?

Aside from purchasing a life insurance policy, the next most important decision that you can make is determining how much protection that your family will need. Not having enough life insurance is one of the worst mistakes that you can make for your family. It could leave your family with additional bills and expenses that they wouldn’t have the money to cover. There are a few key categories that you will need to account for to ensure that you’re getting the best plan possible.

The first number that you should calculate is your debts. If something tragic were to happen to you, your family will be responsible for all of your unpaid bills. Those expenses can leave your family with a massive amount of debts.

The next number that you should add into the equation is your annual income. The second goal of your life insurance plan is to give your family the money that they need to replace your paycheck if something tragic were to happen to you. If you’re the main income earner in your home, your family would struggle financially without that stream of money. That’s where your life insurance comes in.

Please fill out our quote form below and we will do our best to help you get approved for life insurance with hepatitis C. If you have any questions about getting life insurance with hep C, please contact one of our agents today. We would love to answer those questions and give you the information that you need to get the best life insurance plan possible.

You never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer to get the life insurance coverage that your family deserves. We know that nobody enjoys shopping for life insurance, but we can make the process both quick and simple. Our independent agents have years and years of experience working with highly rated companies across the nation. We know which companies are going to give you the best rates to meet your specific needs.

Hi. This is Liran Hirschkorn from, and today I want to talk
to you about life insurance with Hepatitis C. So you may have been declined
for life insurance if you have Hepatitis C and the reason for that could be
because you didn't apply with the right life insurance company.
When it comes to Hepatitis C, there are a couple of companies that are
actually more favorable to apply with and that you can get approved with
than a lot of other insurance companies out there. So these are the
questions that your agent should be asking you when discussing Hepatitis C.
You want to know when you were originally diagnosed. The other thing the
agent is going to want to know is the results of your liver function test.
If you have those results that's helpful in finding out what kind of
pricing you're going to get for your insurance. What are the symptoms that
you have and what's the treatment?
Are you taking medication? What kind of treatment are you getting for the
Hepatitis C, and how often are you seeing your doctor? These are all things
that are important in understanding the condition.
If you're in remission, it's very possible that you can get standard rates.
Or otherwise you might get a rated policy but you can still get approved.
Again, there are a couple of carriers that are more likely to approve you.
So if you've been declined for life insurance with Hepatitis C, we know
which insurance carriers are more likely to approve you.
Based on answers to questions like when you were diagnosed, what the
treatment has been, what your liver function results are like, we can help
you figure out if you can get approved and approximately the type of
pricing that you are likely to get. Then we can find the right life
insurance company specifically for you based on your situation.
At, we work with over 30 different life insurance companies.
You can also visit our website at and fill out a quote request form.
Thank you.