Please view our presentation on obtaining life insurance with Hepatitis C above. Most of the content is covered below.
At Root Financial, we've helped dozens of consumers with Hepatitis C find affordable rates on life insurance.
In fact, most of our clients were previously declined by another carrier. The key in finding the best rate with Hepatitis C is using the right life insurance company based on your specific Hep C details.
Obtaining life insurance with Hepatitis C
Obtaining life insurance with Hepatitis C comes down to 2 factors:
1. How much damage as the liver sustained.
2. Is your Hep C in remission.
The best life insurance rates will come to those who have demonstrated a sustained remission with minor or no damage of the liver. In these cases, STANDARD life insurance rates are achievable.
For those whose Hepatitis C is showing minor symptoms and minor liver damage, you will be considered a substandard risk – but still insurable! In these cases, to get the most favorable rate, having a recent liver biopsy that shows only minor liver damage will help your rates tremendously. A liver biopsy within the last 5 years will suffice, although the more recent, the better. Although a liver biopsy is recommended, it's not required to secure life insurance with Hepatitis C.
Hepatitis C Life Insurance Information We Need To Know
• Date of Diagnosis
• Acute Viral Hepatitis C, Chronic Persistent Hepatitis C or Chronic Active Hepatitis C?
• What are your most current liver enzymes? (if you don’t know them, are they under control?)
• Are you taking any medications? (such as Interferon or Ribavirin) If so, quantity and frequency?
• Do you consume any alcohol? (type, frequency, quantity)
• How frequently does your physician monitor your liver functions? (annually, semi-annually etc.)
• What studies have been done to diagnose/treat the condition? (liver biopsy, CT scan, MRI etc.)and what were the results? (normal, abnormal)
• Any other underlying health issues?
It’s important to have all of this information when contacting an agent. Armed with these details, an agent experienced in Hepatitis C life insurance underwriting can find the company that will give you the most favorable rate. If an agent doesn’t ask you these questions, then choose another one who can speak the Hepatitis C life insurance language.
What Makes Us Different Than Other Agencies?
We Obtain Tentative Offers
We'll take the information you give us above and send it ANONYMOUSLY to the life insurance companies that are most aggressive with Hepatitis C. Once we receive written responses from all of them, we'll present you with the best option.
This is considered a "tentative offer". Which means as long as you were detailed and truthful and the life insurance company doesn't find anything else, this is the rate they HAVE to offer. It's in writing and we attach it to your application.
I would estimate that only 5% of agencies are doing this for their clients. Why? Because is takes a lot of time upfront and most agencies aren't willing to commit to this. We are.
A cover letter is attached on top of an application and paints a picture of your risk to an underwriter. For instance we typically describe why you want this life insurance, how important this coverage is for your family or business and we'll detail your Hepatitis C in the cover letter in the most favorable light to influence the underwriter.
Underwriters LOVE reading these cover letters. It gives the underwriter an emotional attachment rather than an application, lab slip and medical records. It's been EXTREMELY helpful in obtianing favorable underwriting decisions.
Why Root Financial for life insurance with hepatitis C?
Our experience in underwriting Hepatitis C combined with our relationships with 60+ life insurance carriers puts us on the cutting edge of Hepatitis C underwriting. To go even further and obtainin a "tentative offer" in writing and draft a cover letter makes us head and shoulders better than our competition.
If you have Hepatitis C and are in the market for life insurance. Please give us a call. We'll help you find the most affordable life insurance rates on the market.