[
Getting life insurance with hep c is possible. "Indeed," says Steve Kobrin, LUTCF, "hep c patients can get affordable life insurance quite quickly—given the right consumer information."
Table of Contents
Getting Life Insurance With Hep C - Is it possible?
Hepatitis C, Test Results, and Life Underwriting - What do they look for?
Life Insurance Guide for Hepatitis C Patients - Recommendations
Case Studies: Life Insurance for Hepatitis C Patients
This health article was compiled from our own client files and case histories.
Hold on tight and read this page, carefully.
If you are a hep c patient, you very well could be insurable. In fact, your life insurance coverage can even be quite reasonably priced. It all depends on the product and the process.
First of all, most hep c patients will qualify for guaranteed issue and simplified issue products. This means no exam and no review of medical records. Prospective buyers are restricted to the list of carriers approved for business in their state of residence, as well as issue-age minimums and maximums. The companies that manufacture these products also severely limit the face amount available.
Bear in mind that these products are relatively expensive, because the companies know that only people who don't qualify for underwriting are buying them. Claims are imminent. So, "no exam" products are a good last resort.
Now, here's the very good news.
Many people with hep c can be underwritten. This means that they can go through the process of an insurance exam—provide samples of blood and urine—have their medical records reviewed—and end up with a reasonable life insurance offer.
How affordable will the offer be? It depends on a number of key underwriting factors—next, we'll look at hepatitis c, test results, and life underwriting.
Hepatitis C Forum - Online community offering info on hep c related issues, such as causes of hepatitis c, understanding test results, and elevated liver enzymes. Post a question, and the forum administrator will research your question for free. Peer-to-peer advice and emotional support—for patients, caregivers, and their friends and families.
Steven H. Kobrin, LUTCF, is an independent life insurance broker and nationally recognized expert in field underwriting for people considered high risk. He currently serves as a preferred life insurance quote provider for professional advisors and their clients, including attorneys, accountants, financial planners, and business loan officers.
Consumers and consumer advocates are warmly invited to contact Steve for his experienced and patient guidance.
Online: Life Insurance Quote
Email: skobrin@stevenkobrin.com
Phone: 1-866-633-1818 (toll free)
Subscribe: Newsletter