Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Nov 3, 2021

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The Facts of Life

  • If you can’t buy a standard life insurance policy, shop for no-medical-exam life insurance
  • Forty-year-old policyholders can pay as low as $11 a month
  • Hepatitis C is curable, but potential customers who still struggle with chronic hepatitis C may be considered high risk

Are you searching for life insurance companies that accept people who have had hepatitis C?

Some hepatitis strains won’t last your entire life, but the best life insurance companies may want to know about your health history.

But which life insurance companies cover people who’ve previously had hepatitis C?

Don’t worry — our guide explains everything you need to know about getting life insurance with hepatitis C on your medical records.

Once you learn everything about life insurance companies that accept people who have had hepatitis C, use our free online quote tool above to compare multiple companies near you.

What are the best life insurance companies that accept people who have had hepatitis C?

Life insurance companies may be hesitant to provide coverage for people who’re dealing with chronic hepatitis C.

However, potential customers who have been treated for hepatitis C could secure a policy much faster.

But which life insurance companies accept people who previously had hepatitis C? We recommend checking first with the top life insurance companies in the U.S.

Check out this list to see the best insurance companies in the life insurance industry.

  • American International Group (AIG)
  • Equitable Holdings
  • Lincoln National Corp.
  • Massachusetts Mutual Life Insurance Co.
  • MetLife Inc.
  • New York Life Insurance Group
  • Principal Financial Group Inc.
  • Prudential Financial Inc.
  • Transamerica
  • Western & Southern Financial Group

If you decide to get a life insurance quote from these companies, be prepared to answer questions about your health. In addition to health questions, you’ll need to get a medical exam.

These medical exams don’t look for hepatitis specifically, but they look for indicators, such as liver damage or irregular blood panels.

A person receiving treatment for hepatitis C could secure a life insurance policy, but someone who isn’t receiving treatment may not be eligible for standard life insurance.

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Which life insurance policies should hepatitis C patients buy?

Life insurance companies that don’t accept people who have had hepatitis C may consider you too risky to insure. But other policies can guarantee you life insurance coverage.

Let’s examine reliable life insurance policies for people who were denied a standard life insurance policy.

These policies are excellent options for people who can’t buy standard term life insurance or permanent life insurance.

However, they’re more expensive and provide lower death benefits (policy amounts).

The best life insurance companies for hepatitis C patients are Globe Life, AIG, Prudential, State Farm, and Colonial Penn.

How much is life insurance for people who have had hepatitis C?

Hepatitis C is a curable virus, and it’s manageable through medication. Therefore, people who no longer have hepatitis C can secure a policy and lower rates.

If you get a standard life insurance policy while you have hepatitis C, your life insurance rates will be more expensive. Let’s look at an example.

Average Monthly 20-Year Term Life Insurance Rates by Age and $100K Death Benefits
Rating ClassMonthly Rates for 40-Year-Old FemalesMonthly Rates for 40-Year-Old MalesMonthly Rates for 50-Year-Old FemalesMonthly Rates for 50-Year-Old MalesMonthly Rates for 60-Year-Old FemalesMonthly Rates for 60-Year-Old Males
 Preferred$11$13$20$27$43$65
 Standard$16$18$29$37$66$92
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Various factors determine whether affordable life insurance is available for people with hepatitis C.

Women pay lower rates than men. Meanwhile, 60-year-old life insurance policyholders with hepatitis C pay about $50 more than 40-year-olds.

When $100,000 in death benefits isn’t enough, you can request a higher policy amount. However, you’ll pay higher monthly life insurance rates.

What is the life insurance underwriting process for people who have had hepatitis C?

Underwriting for policyholders who’ve had hepatitis C may take a bit longer than usual. These are the basic underwriting steps for someone who has had hepatitis C.

  1. Get a life insurance quote
  2. Talk to an agent
  3. Answer health questions
  4. Take a medical exam
  5. Wait for your medical results to be reviewed
  6. If approved, you can begin selecting policy options
  7. Start your monthly payments

Each life insurance company underwrites life insurance policies differently. Hepatitis C is not a life threatening virus if you undergo treatment.

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Can I get life insurance if I have hepatitis B?

The answer is yes, but underwriting for hepatitis B is more complicated.

According to the Centers for Disease Control (CDC), hepatitis B (or HBV) can last for a few weeks, but it can also last for years.

The prefix “hepat” refers to the liver.

The virus causes chronic fatigue, nausea, loss of appetite, and abdominal pain. Most of all, hepatitis B affects your liver.

These symptoms occur long-term and affect your life expectancy, which ultimately correlates to a higher risk of fling a life insurance claim.

Life Insurance Companies That Accept People Who Have Had Hepatitis C: The Bottom Line

If you no longer have hepatitis C, it may be easier to get a life insurance policy. However, life insurance companies may delay your policy approval.

Your life insurance rates could be more expensive, especially if you’re still receiving treatment for hepatitis C.

Now that you know more about life insurance companies that accept people who have had hepatitis C, enter your ZIP code in the free comparison tool to compare multiple insurance companies in your area.

Frequently Asked Questions: Life Insurance Companies That Accept People Who Have Had Hepatitis C

Do you want to learn more about hepatitis C? Read these answers to frequently asked questions to find out more.

#1 – How do I know if I’m infected with hepatitis C?

Go to your local healthcare provider and ask for a hepat test. A negative result indicates that you don’t have hepatitis C and a positive result means you’re infected with hepatitis C.

#2 – Why do Baby Boomers have hepatitis C?

The CDC reports that the hepatitis C virus was rapidly spreading from the 1940s to 1960s. Healthline added that some medical procedures were unsafe during that time.

It’s estimated that Baby Boomers are five times more likely to have hepatitis C.

#3 – How many strains of hepatitis exist?

There are three hepatitis viruses: hepatitis A (HAV), hepatitis B (HBV), and hepatitis C (HCV).