Life Insurance with Hepatitis

Can I get life insurance with hepatitis?

In today’s special risk marketplace it may be very possible to find affordable life insurance after a diagnosis of hepatitis.

Life insurance is essential to protecting the one’s you love. But, sometimes it can be a challenge to find the easiest and most affordable way when dealing with a pre-existing medical condition.

The number one key to finding the most affordable life insurance with hepatitis is to work with an independent agent who specializes in securing coverage for this type of risk.

Only an independent agent that is experienced in this area will know the carriers to talk to when looking for an affordable life insurance with hepatitis. You see, most traditional large well know life insurance companies don’t offer the lowest rates on individuals with a past or current history of hepatitis. This simply is not their companies focus.

You traditionally will find the most competitive offers for life insurance with hepatitis among a small niche of insurance carriers. These carriers underwriter this type of risk all day everyday. They excel in this type of business.

Many people that are looking for life insurance with hepatitis get discouraged or give up trying to find affordable coverage when they are declined by their primary home & auto company or some other nationally known company.

Many think to themselves, since the big well known company declined or rated me, then coverage must be impossible to obtain. This would be a mistake.

Many times the agent or broker from one of the big name companies simply doesn’t know what information is needed to secure a quote. Or they are uneducated in placing these types of policies. It’s critical that you use an agent knowledgeable and experienced in this arena.

What information is needed to qualify for life insurance with hepatitis?

To try and secure the most affordable rate for life insurance with hepatitis your agent needs to first ask some questions. These questions will help determine if an offer for coverage can be made.

The agent will then proceed to use this information to try and find affordable coverage. This process is done the old fashioned way. By picking up the phone and discussing your particular situation with underwriter’s from different companies.

This process does a couple of things. One it allows the underwriter’s to evaluate your medical history without a formal application needing to be submitted.

This keeps your information confidential and out of the medical information bureau. And two it saves you time from having to go thru a medical exam, lab testing, etc. insurance with hepatitis

Here are some of the questions that need answered up front to see if an offer for coverage is available:

  • Date of diagnosis?
  • Type of hepatitis? I.E. Hepatitis A, Hepatitis B resolved, Hepatitis C (non- A/ non- B), Hepatitis B (carrier or chronic infection), Other?
  • What were the results of your most recent hepatitis liver enzyme test? Normal or abnormal?
  • What was date of most recent testing?
  • Do you drink alcohol? If yes, provide amount and frequency?
  • Have you had any of the following studies completed? Liver or ultrasound or CT scan? Liver Biopsy? What were the result? Normal or abnormal?
  • Have you been diagnosed with any of the following? Chronic Hepatitis? Cirrhosis?
  • Have you received any treatment for these conditions? If yes, what type of treatment? When did you start/end treatment? Was the treatment effective in eliminating the virus?
  • Are you taking any prescription medications? If yes, need name, dosage and frequency and date last taken?
  • Do you have any other major health impairments? 

In addition to the above information other information needed would include:

  • Male or female
  • Date of birth
  • Any tobacco use in the last 5 years? If so, type?
  • Amount of coverage requested?
  • Plan of coverage if known?

Once the above information is received your agent can then begin to use their knowledge of the marketplace and try and secure tentative offers from the best carriers.

When all offers have been received, the agent will make recommendations from the best offers. If the tentative rates are affordable and agreeable the insured would then complete a formal application for coverage and complete any other necessary requirements that the insurance company needs.

Underwriting typically takes 3-5 weeks to complete. Once a policy is issued, you will have a 10 day free look period to either accept the policy with payment of to return the policy for a complete refund if payment has been made.

If you are looking to find the most affordable life insurance with hepatitis or simply wish to discuss your situation, please contact us at 1-888-393-9003 or



For a FREE quote

Call, text, email or fill out our instant quote form:

Call: 678-207-8160
Text: 678-207-8160
Instant quote form: Click here

How can I help?

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

Text: 678-207-8160


Mailing Address:
3482 Keith Bridge Road Suite #125
Cumming, GA 30041


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 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.

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.

Best rates and best service I have ever received.

- Robert from Kennesaw, GA.

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.

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.

As part of the process of buying a new business, I needed life insurance. However, my congenital heart defect made agents squirm over the phone. Then I found Mike, who not only understood my situation, but found two solutions for me. Within a week, I had confirmation of an AD&D policy and a Term Life policy…all at very reasonable rates. The sense of relief can’t be underestimated. Thank you, Mike!

- Heather G. From Crestview, Fl.

Thank you very much, Mike, for all your help in this long process. I know it wasn’t easy, but I appreciate you not giving up on my application and helping provide peace of mind to me and my family.

- Craig S. from Savannah, Ga.

Mike and his team did an extra ordinary job of handling my life insurance situation.  I was unable to secure life insurance because I had cancer 17 years ago however Mike and his team navigated through the challenges to get me a 15 year policy at great monthly rates. Thank you Mike for all your work in in this challenging situation.

- Nathan S. from St. Paul, MN.

Mike did an outstanding job getting me my coverage. He went above and beyond answering all my questions. He always returned my calls immediately even on the weekends!!! I highly recommend him.

- Aileen from Woodstock, GA.

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

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