Yes,
most people can get a life insurance policy if they have Hep C.
If
you want life insurance that pays 100% of the death benefit from the first day you are insured, or for face
amounts of life insurance coverage over $100,000, there will be some medical requirements. The Hepatitis C
must be stable and liver labs close to the normal range.
People who have never had
a liver biopsy will pay higher rates for their life insurance plan, although if you have had a liver biopsy
it cannot show cirrhosis. If you have had Hepatitis C treatment that was still
successful at least a year after the last treatment, rates will be best.
If
treatment was recommended and proved unsuccessful, or if liver labs are high,
or other signs that the Hepatitis C is not under control, then there are simplified issue life insurance plans or guaranteed issued life insurance policies available to nearly everyone who has Hep C.
What you can get will depend on your age and the life insurance products offered in your
state.
