Most people with Hep C can get life insurance. If you have normal liver function lab results and have had a biopsy that shows no liver damage, you will have the lowest rates. If you have cirrhosis or fibrosis, have abnormal liver labs, and/or have a history of failed treatment, you may need to use a simplified or guaranteed issue policy.
Regardless, there is usually life insurance out there for those with Hepatitis C if you know where to look. Contact an agency that specializes in life insurance for people with Hep C to get your best rate.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
There are a large number of refugees who have entered our country in the last few years who have Hepatitis C. Some have had this disease for thirty or more years. I have seen some of these people have standard rate life insurance policies issued. For many the Hep C is just a low level irritant with little or no effect on longevity.
That is a great question! Hepatitis C will not prevent someone from being able to find a life insurance policy. While it may keep them from getting the cheapest, highest benefit policies, there are certainly enough policies out there with adequate coverage that will be available. I would advise that you contact an independent agent who can help you find the best policy for you. Thanks for asking!
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Regardless, there is usually life insurance out there for those with Hepatitis C if you know where to look. Contact an agency that specializes in life insurance for people with Hep C to get your best rate.