How To Increase Your Chances Of Getting Life Insurance With Hepatitis

Shawn Plummer

CEO, The Annuity Expert

Understanding Hepatitis and Life Insurance

When applying for life insurance with a history of Hepatitis, it’s essential to know the type of Hepatitis (A, B, or C) and its impact on liver health. Hepatitis A and B are harder to underwrite but less common. Hepatitis C, more common and treatable, can even be cured with recent medical advances. However, previous liver damage, like scarring, remains a concern for insurers.

Life Insurance For Hepatitis

Current Liver Health Evaluation

Insurers will assess your current liver health through liver function tests. These tests help determine the severity of any past liver damage and are crucial in evaluating your insurance eligibility.

Key Factors for Insurance Eligibility

  1. Treatment and Compliance: Showing that you’re receiving treatment and following medical advice is vital.
  2. Lifestyle Adjustments: Demonstrating lifestyle changes such as quitting smoking and alcohol is beneficial.
  3. Recovery Status: Being spontaneously recovered, cured by antiviral therapy, or having a mild form of Hepatitis improves your chances.
  4. Other Liver Impairments: Having chronic viral hepatitis with additional liver impairments may lead to ineligibility.
  5. Alcohol Consumption: Any alcohol intake is scrutinized by insurers.
Life Insurance With Hepatitis A,B, And C

Alternatives if Denied Traditional Coverage

If denied traditional life insurance, consider:


Navigating life insurance with a Hepatitis history requires understanding your medical condition, demonstrating health management, and exploring alternative insurance options if necessary. Remember that each case is unique, and it’s advisable to consult with insurance experts to find the best solution. Contact us today for a free quote.

Need Help Getting Life Insurance Coverage?

If you have a preexisting medical condition and want to buy life insurance, you will need help from an expert. This person can help make sure that you get coverage so that you don’t get declined.

Warning: Applying for life insurance without a medical exam can be risky. If you are declined coverage, it could be at least two years before you are able to get any life insurance.

Impaired Risk Life Insurance
Have You Been Declined Life Insurance Coverage Before?

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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