Overview:
Hepatitis is an inflamation of the liver. There are different types of Hepatitis, typically classified as Type A Hepatitis, Type B Hepatitis, or Type C Hepatitis. Other types of Hepatitis exist such as Hepatitis C, Hepatitis D, Hepatitis E, Autoimmune Hepatitis, Alcoholic Hepatitis, and more..
Hepatitis A:
Hepatitis A is usually transmitted via a water or food source. Life insurance for Hepatitis A is readily available for most individuals once symptoms are resolved. Life insurance underwriters are not concerned about Hepatitis A once symptoms are gone, and there are no medical problems as a result. It should be possible to obtain a life insurance policy at the best possible rates, assuming no other life insurance underwriting issues exist.
Hepatitis B:
Hepatitis B can be transmitted from mother to infant, by needles, or sexually transmitted. With Hepatitis B, if the person still tests positive after 6 months, it is considered to be chronic Hepatitis B. The life insurance rates that should be available to you will depend on whether you are considered chronic or not, as well as the results from your liver function tests.
Hepatitis C:
Over 70% of the people that have Hepatitis C virus have no symptoms. Many times, the first time an individual will learn that they have Hepatitis C is when they have had routine blood tests performed at the doctors or when they take their paramed exam for life insurance insurance and the tests results come back indicating elevated liver enzymes.
The availability of life insurance if you have Hepatitis C will depend on a number of factors:
While there are many ways to get Hepatitis C, some will affect your ability to get coverage. If you had a blood transfusion at one point in time, received it from getting a tatoo, piercing, etc. it will be easier to get life insurance coverage than if you developed Hepatitis C from using intravenous drugs. We know which impaired risk life insurance company to work with based on your individual health information.
Hepatitis C - What life insurance underwriters look for when underwriting Hepatitis C.
1. When were you diagnosed with Hepatitis C?
2. What are the most recent levels of liver function tests? Companies want to know what your AST, ALT, and GGTP levels are. If you have elevated liver function tests, companies want to know what the levels are, and if they are progressively getting worse or improving.
3. Do you drink? - If you do drink alcohol, you are probably wasting your time trying to get coverage as companies will want nothing to do with you.
4. Have you had a liver biopsy done? What were the results of the liver biopsy tests?
5. Have you been diagnosed as having cirrhosis?
6. Have you been treated with Interferon or ribaviron, or both?
7. What are your current liver function test levels?
What to expect from life insurance companies:
Hepatitis life insurance questionnaire
Life insurance underwriting for Hepatitis A or Hepatitis B does not typically cause problems as long as symptoms are resolved and you are no longer positive for the virus.
If you have Hepatitis C, we need to discuss your health history. We want to help you.
What we do is review the necessary life insurance questions with you in order to paint a positive picture for life insurance underwriters. We will then shop your information out to a number of life insurance carriers for consideration by the life insurance underwriters. We have a number of impaired risk life insurance companies available to help you. This typically takes 3-5 days to hear back from all life insurance companies.
Once we receive the life insurance underwriting feedback, we will contact you to review and provide life insurance quotes to you.
At LifeInsuranceAdvisors.com, our service is a no pressure, no obligation service. We'll give you the information you need to make an informed decision about your life insurance.
Call us today at Toll Free (800) 909-2040 or
Submit a request for a quote:
Hepatitis life insurance questionnaire Thank you.
