Life Insurance Underwriting for Hepatitis C
The primary questions to be asked of a proposed insured that presents with Hepatitis C history are:
- Age or date of diagnosis? Is there a known cause?
- What are the latest liver function test readings? Specifically ALT, AST and GGTP?
- If there’s been a biopsy, what is the fibrosis stage?
- How is it being treated? Any interferon or ribavirin treatment?
- How frequently is there follow up with a physician?
- Current alcohol consumption? Type, quantity, and frequency?
- Any history of cirrhosis?
Underwriting for Hepatitis C
Typically, we’re looking at a minimum of a Table 4-6, although Standard approvals are possible in a very select number of cases that demonstrate ideal scenarios. This is a big improvement over past history, where a diagnosis of hep C was usually an auto-decline.
If you have Hep C and are interested in applying for life insurance, please contact us as we have helped many people in similar situations.