Agent, Rural Mutual Insurance Co., Union Grove, WI
That will depend on the company that you are trying to purchase life insurance through and the type of policy that you are trying to get. You will more than likely pay a higher premium due to the illness. The best recommendation that I can give is call your local agent and discuss your situation with them and they will be able to direct you to the policy that best fits your needs.
The rating you get when applying for life insurance while having Hepatitis B or Hepatitis C depends on a number of factors. Have you had a liver biopsy? If so, did it show fibrosis or cirrhosis? Did you try treatment? If so, was it successful? What are your liver lab values? These and other questions make a big difference in whether you can get q medically underwritten policy, and what you will be rated.
If you are unable to get a medically underwritten policy, there are a number of No Exam policies that cover Hep C. Find an agency that specializes in impaired risk to help you sort through the choices and find one that works for you.
Yes, there are life insurance policies that nearly everyone with Hepatitis C can get. The type of policy, and the price, will depend on the medical details.
Having normal liver lab values and an undamaged liver as evidenced by biopsy are helpful in getting a medically underwritten policy. There will usually be a small table rating for the best cases, unless there was successful treatment eradicating the virus, then there may be no table rating added.
Hepatitis C is very difficult to assess without being a medical professional and without medical records. So completing an application for an "informal" offer is a good idea for large cases. For small cases, there are simplified issue policies that most people can get if their Hepatitis C does not fit the criteria to get a policy requiring an exam.
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If you are unable to get a medically underwritten policy, there are a number of No Exam policies that cover Hep C. Find an agency that specializes in impaired risk to help you sort through the choices and find one that works for you.
Having normal liver lab values and an undamaged liver as evidenced by biopsy are helpful in getting a medically underwritten policy. There will usually be a small table rating for the best cases, unless there was successful treatment eradicating the virus, then there may be no table rating added.
Hepatitis C is very difficult to assess without being a medical professional and without medical records. So completing an application for an "informal" offer is a good idea for large cases. For small cases, there are simplified issue policies that most people can get if their Hepatitis C does not fit the criteria to get a policy requiring an exam.