Hepatitis C or Hep C Life Insurance, can you get coverage

By | September 18, 2009

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Have you ever noticed just how many health and lifestyle avocation and impairments there are?  People walk around all day and you might never know someone has Hepatitis C or Hep A or Hep B.  Yet people do get this infections and it affects a number of U.S. residents.  The good news is that if you are looking for life insurance and you have Hepatitis C or Hep A or Hep B well you still can find good quality life insurance.  That’s whey I posted this great article below from www.lifeinsurance-pros.com which happens to be a great resource for substandard impaired risk life insurance cases. 

Hepatitis C Life Insurance

Hep C Life Insurance or Hepatitis C is the inflammation of the liver due to a virus infection called the HCV virus.  Before the virus is detected they call this Hepatitis A and Hepatitis B.  Hep C is a fairly common infection with approximately 6% of the U.S. population affected with the ailment.

One of the bigger life insurance underwriting concerns is that chronic Hep C can lead to cirrhosis and eventually lead to liver cancer in the future.  This is why Hepatitis C can and in the chronic cases will lead to most likely a decline when it comes to life insurance underwriting.

Hepatitis C is mainly spread through blood transmission such as intravenous drug use, piercing, tattooing, transfusion’s prior to 1992 to name a few. Blood test that show elevated liver levels is often the first sign of hepatitis C.

Below are some of the blood test’s performed to detect and measure the severity of the infection:

  • Anti-HCV test – antibody test for hepatitis C virus
  • Polymerase chain reaction (PCR) – measures genetic material of HCV
  • Non-invasive imaging tests include:
    • CT scans – provide anatomic information such as size and shape

      Ultrasound’s

    • – provide similar information
  • Invasive testing includes:
    • Liver biopsy – a piece of liver is examined for cell damage and scarring

Below is the pertinent information that you should provide your Life Insurance Broker or agent in order for them to shop the market and try to obtain the best life insurance offer available:

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