Life Insurance Companies That Accept People Who Have Had Hepatitis C
Coverage is available from affordable life insurance companies that accept people who have had hepatitis C, but it can be challenging to obtain. While people who have recovered from hepatitis C can receive preferred rates, chronic hepatitis C patients are riskier to insure, so they’ll experience higher rates.
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Tim Bain
Life Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Life Insurance Agent
UPDATED: Dec 4, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Dec 4, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- People who have recovered from hepatitis C can get preferred rates
- Chronic hepatitis C patients will get standard or substandard rates
- Fewer life insurance policies are available for those who have had hepatitis C
The prefix hepat- refers to the liver, and the suffix -itis refers to inflammation of an organ. So hepatitis is an inflammation of the liver. Hepatitis C is transmitted through blood and other bodily fluids from an infected person to an uninfected person. Most chronically infected people (70%) can develop chronic liver disease, including cancer.
Life insurance quotes are available for people who have had hepatitis C. However, preferred rates are offered to individuals who have recovered from the disease, have had normal viral loads, and have had normal liver function tests.
Learning more about life insurance companies that accept people who have had hepatitis C will help you get coverage.
To learn about life insurance companies that accept people who have had hepatitis C, enter your ZIP code to get free life insurance quotes in your area.
What are the life insurance rates for people who have had hepatitis C?
Life insurance companies determine eligibility and rates on risk. Since hepatitis is a health risk, those who have had the disease might question, “Can I get life insurance if I have hepatitis B or C?” While you can get coverage with hepatitis, your rates depend on your specific condition.
When people apply for life insurance, companies place applicants into risk classifications. These risk classifications include:
- Preferred plus
- Preferred
- Standard plus
- Standard
- Substandard
A person who has had hepatitis C can receive a preferred rating if they have fully recovered, have had normal viral loads, and have had positive liver function tests for at least the previous two years.
Applicants with chronic hepatitis C will fall into the substandard category due to their potential higher mortality rate. Most life insurance companies have tables determining how much more a person will pay than the standard rate. These tables are either 1-8 or A-H, depending on the company.
The following chart shows the average monthly life insurance companies’ rates that accept people (males) who have had hepatitis C for a 20-year term at $250,000 based on age and risk classification.
Average Monthly Rates From Life Insurance Companies That Accept People Who Have Had Hepatitis C: Male, 20-year term, $250,000| Age | Preferred Rating | Standard Rating | Table B Rating | Table D Rating | Table F Rating | Table H Rating |
|---|---|---|---|---|---|---|
| 40 | $21.66 | $32.59 | $41.67 | $53.81 | $64.38 | $76.22 |
| 50 | $49.44 | $77.31 | $98.11 | $129.06 | $152.46 | $181.92 |
| 60 | $127.83 | $204.70 | $251.41 | $333.37 | $403.21 | $482.82 |
The following chart shows the same information for females.
Average Monthly Rates From Life Insurance Companies That Accept People Who Have Had Hepatitis C: Female, 20-year term, $250,000| Age | Preferred Rating | Standard Rating | Table B Rating | Table D Rating | Table F Rating | Table H Rating |
|---|---|---|---|---|---|---|
| 40 | $18.81 | $28.87 | $34.41 | $44.03 | $52.35 | $61.79 |
| 50 | $37.80 | $58.36 | $73.17 | $94.63 | $115.80 | $137.92 |
| 60 | $92.97 | $143.50 | $175.83 | $232.60 | $282.51 | $337.98 |
As you can see, preferred rates offer the cheapest coverage, increase as customers age, and are lower for females than males.
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What life insurance policies are available for people who have had hepatitis C?
The policies for a person who has had hepatitis C depends on their current condition. A less risky applicant will have more policy options than an applicant with a higher risk.
A medical exam won’t look specifically for hepatitis, but the blood test will determine if you have liver damage. As a result, the company might require a follow-up test to see if you have hepatitis.
If an applicant has recovered from hepatitis and their blood work comes back negative, they might qualify for traditional life insurance. This type of coverage includes:
- Term life insurance
- Whole life insurance
- Universal life insurance
If you’re eligible for these coverages, the Insurance Information Institute provides some tips on determining the best option for you.
A person who has not recovered from hepatitis C or has chronic hepatitis C likely won’t have traditional coverage as an option. Other policy options are available for people who aren’t eligible for the preferred plans. These alternate options include:
- Guaranteed issue insurance
- Simplified issue insurance
- Final expense insurance
- Group plan insurance
Guaranteed issue life insurance doesn’t require a medical exam, and the company won’t ask any medical questions. The rates are higher because they know less about your health, but acceptance is guaranteed. The maximum coverage for this plan is usually $25,000.
Simplified issue life insurance also doesn’t require an exam, but the company will ask more medical questions. Like guaranteed issue policies, the rates are higher than traditional policies, and the maximum coverage is around $40,000.
If the guaranteed and simplified issue rates are too high for your budget, you should consider final expense insurance. While it doesn’t provide income for your family, this coverage pays for your funeral and burial expenses.
Another option is to join a group plan offered by your employer. All employees are accepted, regardless of their health. However, this type of coverage is limited, and you’ll lose your coverage if you leave your job.
What do life insurance companies consider before offering coverage to people who have had hepatitis C?
When you apply for life insurance, you’ll go through an underwriting process to determine your eligibility and rates. In most cases, a person who has had hepatitis C will need to provide more information than someone with a clean health record.
If you have hepatitis C or have had it in the past, the underwriter will ask specific questions about your history and lifestyle. These questions include:
- What is the date of your first diagnosis?
- What medications are you taking?
- How much alcohol do you consume?
- Do you have any liver damage?
The company will use your answers to determine your risk. Answering these questions truthfully is imperative because the company can cancel your policy if you provide false information.
In addition to these questions, the underwriter will ask for some general information. Some of this information includes your:
- Current age
- Gender
- State of residence
- Height and weight
- Occupation
- Family history
- Driving history
- Criminal history
Once you provide all of this information, you’ll receive life insurance quotes on various policies.
Life Insurance Companies That Accept People Who Have Had Hepatitis C: The Bottom Line
Life insurance is available for people who have had hepatitis C, but it depends on your condition. Those who have recovered might be eligible for preferred rates and traditional coverage. If you still have an infection, you will have limited options.
Learning more about life insurance companies that accept people who have had hepatitis C will help determine if you can obtain coverage.
Now that you know about life insurance companies that accept people who have had hepatitis C, enter your ZIP code to find life insurance rates in your area.
Your one-stop online guide for life insurance quotes. Get free quotes now!
Secured with SHA-256 Encryption
Tim Bain
Life Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.