If you have Hepatitis C, you already know that you face many challenges in your day to day life that people without Hepatitis C could’t even begin to understand. One of those things, are all of the challenges that come along with trying to obtain life insurance with Hepatitis C.
Many people who are affected by the disease have come to believe that they are completely ineligible to take out any kind of life insurance at all. Fortunately for those suffering from Hepatitis C, that is not at all the case and there are more options for life insurance with Hepatitis C than ever before.
The way to get yourself a plan, and one with decent rates to boot, is simply finding the right life insurance company based on your specific Hepatitis C details. Most insurance companies, when assessing you will take a look at two things. First, is how much damage your liver has sustained and the second is whether or not your Hepatitis C is in remission or not. You should be able to figure out which are the signs that are seen as positive and which ones are seen as negative as well. This means that the best rates will be given to those who are in remission and have only received minor or no damage at all to their livers.
If your condition is showing minor symptoms or minor liver damage, then you will be considered a substandard risk, but don’t worry, because you are definitely still insurable. In a case like that, the best way to get a good rate is to have a liver biopsy from the last five years, although the more recent the better. Even though this biopsy is not required, it is still recommended and will help you to convince the insurance companies that you are insurable.
So if you have been scared away from the prospect of obtaining life insurance because you didn’t think you were insurable – you need to stop thinking like that immediately. You are most definitely insurable, it is just a matter of finding a life insurance company that is willing to work with your specific needs and showing them the details they need to see to feel secure about your situation. Remember, life insurance protects one of the most valuable assets you own – your life. Don’t go another day without being protected.