Can a Person with Hepatitis C Get Life Insurance?

Shawn Plummer

CEO, The Annuity Expert

Eligibility for Life Insurance with Hepatitis C

Individuals with Hepatitis C can still obtain life insurance, though the terms and availability may vary based on certain factors.

Key Considerations for Insurers

  1. Disease Management: Well-controlled and effectively treated hepatitis is crucial. Consistent treatment indicates lower risk.
  2. Medical Compliance: Regularly undergoing CT scans and adhering to medical advice is important.
  3. Duration of Diagnosis: The length of time since diagnosis can impact eligibility and premiums.
  4. Alcohol Consumption: Ongoing alcohol use can negatively affect liver health and insurance decisions.
  5. Advancements in Treatment: Drugs that can cure up to 90% of Hepatitis C cases make insurers more favorable to offering coverage.

Impact on Insurance Premiums

  • Individuals with Hepatitis C are often subject to higher premiums.
  • The severity and control of the condition play a significant role in determining the rates.

Factors Affecting Life Insurance Eligibility for Hepatitis C Patients

FactorImpact on Eligibility and Premiums
Disease ControlBetter control leads to more favorable terms
Medical ComplianceEssential for lower risk assessment
Duration Since DiagnosisLonger duration with control may be beneficial
Alcohol ConsumptionNegative impact on liver health and eligibility
Treatment AdvancesImprovements in treatment increase eligibility chances


People with Hepatitis C can access life insurance, but various factors like disease management, medical adherence, and lifestyle choices significantly influence their eligibility and premiums. With advancements in treatment, obtaining life insurance has become more feasible. Ensuring the condition is well-managed and following medical advice are key to securing favorable insurance terms. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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