INSURANCE GUIDE

When you have a chronic health condition like hepatitis, it can be difficult to get life insurance coverage. Since customers with health problems are more likely to file claims, insurance companies will often charge higher rates or even deny coverage to these people. However, if you have any form of hepatitis, there are still reliable life insurance options out there for you – they just may be a little more difficult to find. Here’s what you need to know about getting life insurance with hepatitis.

How to Get Life Insurance With Hepatitis

The Three Types of Hepatitis: What Are the Differences?

Hepatitis is a condition that causes liver inflammation, and there are three main subtypes. The type of hepatitis you have determines the available treatments as well as the cost and availability of your life insurance. All three types have similar symptoms, including fatigue, muscle and joint pain, and loss of appetite. However, there are some cases that do not have any symptoms and are only diagnosed with a blood test. Here are the defining factors of the three main types of hepatitis.

  • Hepatitis A: Most cases of hepatitis A resolve on their own and do not become chronic. It is spread through contaminated food and water. Once hepatitis A is resolved, you can get good rates on term life insurance policies.
  • Hepatitis B: Like hepatitis A, most cases of hepatitis B resolve on their own as well. If you’ve had hepatitis B once, you are typically immune to future cases. Hepatitis B is spread through sexual activity as well as blood transmission and can be passed from mothers to their children. If your hepatitis has been completely resolved, you can get low rates on your life insurance policy. If you have chronic hepatitis B, but your liver enzyme and antigen tests come back healthy, you can still get life insurance, although your rates will be much higher.
  • Hepatitis C:  Hepatitis C is spread through sexual contact, contaminated blood transmission, and sharing needles. While some cases can resolve on their own, most require some medical therapy in order to cure, and they can become chronic. If your hepatitis C is treated and completely cured with an antiviral, you’ll still be able to get affordable term life insurance. However, if you struggle with chronic hepatitis, you’ll encounter higher rates and may even be denied coverage.

Life Insurance Options for Hepatitis

There are plenty of life insurance options for people with hepatitis. If your hepatitis has been treated and you are otherwise in good health, you’ll be able to get affordable term life insurance policies. Term life insurance lasts for a specified period of time, usually anywhere between 10 and 40 years. The coverage is relatively flexible, so you can choose an amount that makes sense for you depending on your debts and familial obligations. If you outlive your term life insurance policy, you’ll need to purchase a new one, usually at a higher rate. With a history of hepatitis, you may pay slightly more than a completely healthy person. However, you’ll usually still be able to get a policy at a reasonable price.

If you have chronic hepatitis, your options will be more limited. This is because chronic hepatitis is much more likely to shorten your lifespan than an isolated case of hepatitis. If you are in this situation, you may want to consider getting a guaranteed issue life insurance policy. These insurance policies do not ask any questions or require any health examination. They don’t provide nearly as much financial coverage as a traditional term life insurance policy – typically, they’ll only provide enough financial support to pay for funeral costs. However, they’re a very reliable option for people who cannot get the coverage they need otherwise.

Tips for Finding Affordable Health Insurance

Shopping for health insurance when you have hepatitis can be a bit tricky. However, there are some things you can do to make the process a little bit easier. Here are some tips to help you find a reasonably priced health insurance policy – even with hepatitis.

  • If you have chronic hepatitis, make sure your condition is managed by a doctor. Get liver enzyme tests regularly to monitor your condition, and take medication when appropriate. Even chronic hepatitis can clear up when properly treated, so life insurance companies will be much more lenient in this case.
  • Work with an independent insurance agent. Insurance agents are very familiar with all the different insurers and policy options, including ones you may not have considered. They can help you narrow down your options and leverage any potential discounts to find a good insurance policy, regardless of your health status.
  • Keep smoking, drinking, and other potentially harmful health habits to a minimum. If you’re a regular smoker, your life insurance prices will go up drastically. This is because smoking is directly linked to a number of fatal health conditions. Heavy drinking and illegal drug use will also drive your health insurance prices up significantly. You should also avoid participating in dangerous hobbies like skydiving and race car driving, as these can also dramatically increase your life insurance prices.

Getting life insurance with hepatitis can be challenging, but it’s possible. There are plenty of life insurance companies that will offer affordable policies to those with hepatitis as long as you’re receiving the appropriate treatment. Life insurance is an important investment for anyone – it protects you and your family from a challenging financial situation once you pass away.

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