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. upfront.life 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 mike@specialriskterm.com

 

 

For a FREE quote

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

Call: 678-207-8160
Text: 678-207-8160
Email: mike@specialriskterm.com
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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

Email: mike@specialriskterm.com

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

Testimonials

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.

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 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.

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

- Shannon from Atlanta, GA.

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.

Two Thumbs Up for Mike at Special Risk Term

- Yaniv from Troy, MO.

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.
About SpecialRiskTerm.com
About SpecialRiskTerm.com

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

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