Life Insurance and Hemochromatosis

What is hemochromatosis?

Hemochromatosis is an iron-storage disorder where there is an in increase in iron absorption from the intestine and deposits of the iron in tissues. This article will attempt to give you information about the damages, diagnosis, treatments of hemochromatosis and how to find if life insurance is available.

Damage from hemochromatosis

Iron deposition causes damage, scarring(fibrosis) and/or failure of the organs, especially the liver, pancreas, heart, and pituitary gland. The liver is usually the first organ involved. Of symptomatic patients with hemochromatosis, there is liver enlargement in 95%, increased skin pigmentation (bronzing) in 90%, diabetes in 65%, joint abnormality in 25% to 50%, heart involvement in 15% (most common manifestation is congestive heart failure), loss of libid0, and testicular atrophy.

Diagnosis of hemochromatosis

The diagnosis of hemochromatosis can be made when the above conditions are present. However, iron overload of short duration or of modest degree may exist without any of the clinical manifestations noted above or with only some of them.

Demonstration of excessive iron can be done by measuring the iron level in the blood along with its ferritin level (a protein in the blood that carries iron), by doing a CT scan of the liver, or by a liver biopsy. Biopsy is the definitive test.

Treatment of hemochromatosisLife insurance with hemochromatosis

Treatment of hemochromatosis is involves removal of the excess body iron and supportive treatment of damaged organs. Iron is best removed by phlebotomy (removing blood) of a pint once or twice a week. Chelating agents (chemicals that remove minerals from the blood) that are taken orally are less effective.

Adequate treatement and follow-up increase the 5 year survival rate from 33% to 89%.

Underwriting life insurance for hemochromatosis

Life insurance underwriters typically worry about liver failure, liver cancer and cardiac failure for individuals who have hemochromatosis. The key with finding the best life insurance rate is to understand that every life insurance carrier looks at health and lifestyle differently. What one company may see as an automatic decline, another company may be willing to offer a policy.

Below is a list of questions that an underwriting carrier would want to know when evaluating the risk for hemochromatosis:

  • Date of diagnosis?
  • What organs are involved? I.E. liver, pancreas, joints, heart, pitutuary
  • When was the last phlebotomy treatment?
  • Was a liver biopsy done? 
  • If available, provide the most recent serum ferritin result?
  • Are you currently taking any medications? If so, what?
  • Have you used any tobacco products in last 5 years?
  • Any other major health problems such as diabetes, heart disease, etc.?

Any addition to the medical information mentioned above, it will also be important to know how much protection is required and what type of plan are you looking for? (Term or whole life)

How your agent can help get the best rates?

In today’s competitive life insurance arena it’s more important than ever to have an agent working for you that has experience and knowledge working in the special risk market.

Many life insurance agents have no idea how to properly handle someone with a medical history. In fact, the agent could do more harm than good if he is not familiar with the special risk marketplace.

Out of the thousands of life insurance carriers operating in the United States, it is probably true that less than a couple dozen actually specialize in underwriting risk for individuals with medical conditions. I mean if you think about it, it doesn’t take alot of underwriting knowledge to offer a policy to someone that is perfectly health, with perfect height/weight and perfect family history. Basically any insurance company would accept this risk.

That’s why it is so important that your agent know which particular companies in the industry would specialize in your particular situation. The agent can then do the legwork for the prospect and come back with the best offer available. You don’t want to spend your time completing multiple applications and doing several insurance exams and tests without knowing if the company you are applying to is even interested.

Underwriting outcomes

Basically we see a couple of different outcomes for those individuals with a history of hemochromatosis. If they are treated, stabilized, have normal blood studies, with no complication you can typically expect no rating on the policy.

Others, that are more complicated or have heart, liver involvement or diabetes is typically considered on an individual basis.

But, it is important to repeat that the individuals that are considered on an individual basis must still work with insurance carriers that evaluate this type of risk the most favorable. It is not a one size fits all.

If coverage thru traditional underwriting does not find an offer we also may have options thru the guaranteed issue plans.


We are experts in the special risk marketplace. We know the carriers that will look at your risk the most favorably. And we know how to negotiate the best rates since we have been doing it for 30 plus years.

If you would like a free evaluation of your situation, I urge you to contact us by phone or email at 1-888-393-9003 or

Thanks for reading this blogpost.




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Mike Raines

I am an independent life insurance agent with over 30 years’ experience. I am an expert in finding coverage for those with past or current medical history such as heart disease, diabetes, post cancer, etc. I also specialize in those that participate in scuba diving, mountain climbing, private pilots, etc. I work with the best life insurance companies in the nation, such as Prudential, AIG, Protective Life, Transamerica to name a few. Each carrier has different opinions on rates and underwriting, and it is my job to match you with the best company. To do that, I need to ask you a few questions about your health and lifestyle to qualify you.

For a FREE quote, call, text or email:

Call: 678-207-8160

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Mailing Address:
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Mike and his team made the entire process from start to finish very seamless and also overcame the task with us being multiple states apart with ease. With the easy process and very competitive priced insurance for high risk athletes, you have no need to look anywhere else for coverage. Thanks to Mike and his team for all they did and I highly recommend them for your Special Risk Life Insurance needs.

- Tyler C. from Danville, VT.

Mike and Special Risk Term are absolutely top shelf! I was worried that I would not be able to get term life insurance to protect my family, or that the costs would be exceedingly high.

Mike knew the industry inside and out and knew which companies would provide the best options. He coordinated with the underwriters to get the job done and get me an affordable plan, and kept me updated throughout the entire process. Not to mention he did it all electronically in the age of COVID without ever having to meet in person. Highly recommend. Excellent service and expertise!

- Chris M. from Laguna Niguel, CA.

I tried several places before I came across Mike’s website. The insurance at these other places was either very expensive, or the company wouldn’t cover me because of my health history. Mike was able to find me a reasonably priced policy with a major insurer. He did a great job locating a policy that works well for me.

- Jeff from Hermon, ME.

I could not be happier working with Mike Raines to get life insurance coverage for myself after having been declined for health reasons by my employer. My wife and I just had a son and it had become more imperative than ever that my family be protected if I were to pass away. The health screening appointment was conducted at my home around my schedule, which was very convenient. It was clear to me that Mike went above and beyond to make sure the underwriter fully understood my situation, going to bat for me so that I would not be declined again. I am a very happy customer.

- Daniel S. from Seaside, CA.

As someone with a past cancer diagnosis, finding life insurance had been a huge annoyance. Mike made it easy, and somehow found quotes that were significantly more affordable than what others gave me.

- Matthew from St. Louis, MO.

I contacted Mike for advice with life insurance. I had recently left a large firm (where I had life insurance coverage as part of compensation package) to start my own company.  Therefore I needed to self fund my life insurance.  Because of some past health issues I figured I may need to do extra tests to validate my current excellent health status and insurability.  Mike was great to work with, knowledgeable about how underwriters view things, how they will want lots of data from my doctors, and he explained the normal full battery of new tests and data as well as additional or special tests they might want based on my history.  He helped me through the valley to the other side of the life insured promised land for $500K term policy with a duration that meshes well with my retirement date/options and coverage for my family if needed. I highly recommend Mike with Special Risk Term.  He can help you too, so call or email today.

- Richard M. from Ann Arbor, MI

Mike did an awesome job in finding affordable coverage for myself and my husband. Highly recommend his services.

- Shannon from Atlanta, GA.

It’s not easy to find life insurance with a chronic condition such as crohn’s disease which is why I greatly appreciated having Mike on my team. Mike is responsive, patient, professional and indefatigable- all things you need when you’re looking for a competitive policy. Knowing my family will be taken care is not only a relief but a huge confidence boost and I’m thankful Mike works in the special risk insurance arena. I would absolutely work with him again. Thank you Mike!

- Bobby from Washington D.C.

Mike was extremely helpful in locating a life insurance company that would accept a preexisting condition at a reasonable price. He saved time by submitting health records to several companies for a quick preview then following up with the one who offered the most reasonable premium. He knows which companies are most likely to accept certain conditions. Throughout the application process Mike was very quick to respond to e mails and phone calls. We highly recommend Mike if you need life insurance and have a preexisting condition.

- Henry R. from Springfield, TN.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

We work with individuals across the nation to secure the best life insurance rates.

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