Hepatitis C, Test Results, and Life Underwriting

Hepatitis c, test results, and life underwriting can terrify hepatitis c patients. "That's where education comes in," says Steve Kobrin, LUTCF. "Hepatitis c test results can be viewed favorably, and hepatitis patients can get coverage."

What do your hepatitis c test results look like?

To the life insurance underwriter, your hepatitis c test results are key factors in the decision process. How much life insurance will they offer you? How much will they charge you?

Here are some clues.

• Liver Biopsy
  This tool is the only way to assess damage to the liver. A positive report here can be very influential even if viral loads have been a little high. Viral load is one of the main indicators for determining if the patient is responding to treatment.
• High Liver Enzymes
  They may not result in a higher rate if they are above normal—as long as they are not "out of the ballpark." Other factors besides hepatitis (such as alcohol intake and diet) can effect LFT's, and this is taken into consideration when your hepatitis c test results are evaluated.
• Drug and Alcohol Abuse
  These behaviors have to be behind you. A person that is hepatitis c positive and still uses drugs and alcohol will be seen as somebody who is not just standing at the edge of the cliff—but running to it to jump off.
• Depression
  Being diagnosed with hepatitis c is depressing, itself. Treatment for the disease can make matters worse. Yet, if the depression is controlled and has not led to more serious disorders, than it may not affect the underwriting decision.

Now, you can see that it's quite reasonable for an underwriter to approve your life insurance application. You can do much to improve your odds, and the key is consumer education. Your next step is to look at our life insurance guide for hepatitis patients.

Peer Support in Understanding Your Hepatitis C Test Results

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.

About the Author

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)
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