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Getting burial insurance or final expense insurance with a pre-existing condition like hepatitis can be achieved if you are talking with the right agent.
Hepatitis is one of the qualified health impairments that we can get you instant same-day coverage.
Article Easy Navigation
- Burial insurance for hepatitis A, B, and C
- News about burial or final expense insurance and Hepatitis
- The Truth about Hepatitis A, B, and C what kind of insurance plan you will be offered
- The best kind of burial or final expense insurance for Hepatitis
- The underwriting process for Hepatitis
- Common questions in every underwriting process
- Here the thing with insurance companies with different types of Hepatitis
- Hepatitis Medications that are being asked about in the underwriting process
- What insurance companies may offer after your underwriting process with Hepatitis
- You were diagnosed with Hepatitis C WITHIN the last 24 months
- You were diagnosed with Hepatitis C AFTER 24 months ago
- You were diagnosed with Hepatitis A or B WITHIN the last 24 months
- How to find the best burial or final expense insurance for clients with Hepatitis A, B, or C
Burial insurance for hepatitis A, B, and C
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Have you been denied for burial or final expense insurance? Or you’re only offered with insurance plans that cost more and have a 2-year waiting period before you get any benefits?
It may mean one or more of the following:
- The agent you’re dealing with does not work with top-rated A+ insurance companies.
- Your agent is not well experienced and does not have extensive knowledge of their insurance carriers’ underwriting process.
- The agent does not specialize in cases with high-risk consumers that need burial or final expense insurance.
- Your insurance agent is not willing to go the extra mile for you.
In short, you need a new insurance agent!
With us here at InsuranceForBurial.com you are more than just an application, you are a valued client. We treat every client as a VIP and our long list of clients that got the best possible final expense insurance through us can attest to that.
What we ONLY NEED from you is a little bit of your time to evaluate your personal profile. Simple no-nonsense interview process with no pressure
Contact one of our Final Expense Insurance Specialists that specializes in any type of Hepatitis. All of our insurance specialists have access to the top-rated A+ insurance companies that can absorb the risks of Hepatitis.
News about burial or final expense insurance and Hepatitis
With over 26 years of experience in the insurance industry, we had helped a lot of Hepatitis applicants looking for the best final expense insurance plan possible.
In addition, we go far and beyond to make sure seniors that need burial insurance accomplish that goal.
The Bad News
High chance of rejection is the reality of applicants with any type of Hepatitis (especially Type C) getting a burial or final expense insurance with insurance companies that simply do not have what it takes to take on Hepatitis.
Obviously, you would not want to get stuck with an insurance agent that does not have access to insurance companies that have no means of helping out applicants with Hepatitis.
The Good News
There are a few insurance agencies out there that can accept applicants with Hepatitis with flexible options that can cover anybody that has Hepatitis no matter how mild or severe their conditions are.
The Truth about Hepatitis A, B, and C what kind of insurance plan you will be offered
With today’s advancements in medicine, Hepatitis A and B can be very much easily treated, and Hepatitis C is no longer a death sentence.
With that said, there are still insurance companies out there that still refuse to take a second look in applicants with Hepatitis that they will immediately dismiss applicants with Hepatitis right away.
Thankfully, the truth is there are insurance companies out there that have burial or final expense insurance plans for any type of Hepatitis that are designed to take on the risks.
These Top-rated A+ companies keep up with the times to provide the best possible insurance options for everyone.
The best kind of burial or final expense insurance for Hepatitis
The best insurance policy type is the one with the lowest rates and immediate insurance coverage starting from day 1. Depending on the insurance company, they are called Level, Simplified or Preferred policy. In this article, let’s use the name “Simplified”.
To get qualified for a Simplified type of policy, you need to apply for final expense insurance with an underwriting process. The process involves answering some questions about your personal details and specifically with regards to your Hepatitis condition.
The underwriting process for Hepatitis
By going through an underwriting process, you are mainly aiming for the simplified type of policy which has the lowest rates and with an immediate insurance coverage starting on day 1.
It is important to keep in mind that every burial or financial insurance company have different sets of questions or different wording of questions it asks. They will also assess your medications history for thorough checking of your Hepatitis condition and other illnesses that you may have.
Every insurance company will also react differently in their findings and will offer insurance plans according to their rules and guidelines.
Common questions in every underwriting process
To simply put this, the timing of your diagnosis and treatment of Hepatitis weighs in a lot with what kind of insurance policies you will be offered.
Here are some common question examples from insurance companies on their underwriting process.
- When were you diagnosed with Hepatitis? if so, what type?
- Have you ever had or been treated for any kind of liver disease or condition?
- Within the past 24 months, have you been diagnosed or been treated for any type of Hepatitis? if so, what type?
Here the thing with insurance companies with different types of Hepatitis
Hepatitis A and B are oftentimes an acute infection where the infected person can recover within months. Hepatitis A and B also both have available vaccines that are effective.
Hepatitis C, on the other hand, has currently no effective vaccination to date. Furthermore, many of the people with Hepatitis C do not experience symptoms that result in late detection.
Hepatitis C has the highest percentage of people getting a long-term infection making it the type that will often be chronic.
Making Hepatitis C the worst type of the 3 types mentioned. With those common circumstances regarding Hepatitis…
Almost all of the top-rated A+ insurance companies will not really watch out for type A and B that they will offer you insurance plans that will not cost extra. This policy type is usually called Simplified, Preferred, or Level which has the lowest monthly rates and have immediate insurance coverage.
But with Hepatitis C, even the top-rated A+ insurance companies can only offer insurance plans at a higher cost- this is the truth. If you have Hepatitis C, you will have to pay around 20 to 50% more on monthly rates.
But remember, it will all depend on your underwriting assessments, so you need to make sure that you’re in touch with high-level Final Expense Insurance Specialists that masterfully knows every underwriting process of their top-rated A+ insurance companies. For instance, like the ones we have here at InsuranceForBurial.com.
Hepatitis Medications that are being asked about in the underwriting process
Aside from the health questions, insurance companies will also review your medication history. Below is a list of common Hepatitis medications they will look out for. So if you’re taking any one or more of these medications, you will be considered to having Hepatitis.
- Daclatasvir and sofosbuvir (Daklinza)
- Dasabuvir-ombitasvir-paritaprevir-ritonavir (Viekira Pak)
- Elbasvir-grazoprevir (Zepatier)
- Glecaprevir-pibrentasvir (Mavyret)
- Interferon Alfacon
- Ledipasvir-sofosbuvir (Harvoni)
- Ombitasvir-paritaprevir-ritonavir (Technivie)
- Sofosbuvir and velpatasvir (Epclusa)
- Sofosbuvir-velpatasvir-voxilaprevir (Vosevi)
These are just the most common Hepatitis medications, there are may be more out there.
What insurance companies may offer after your underwriting process with Hepatitis
The health questions and your medication history assessment from the underwriting process will let insurance companies know when exactly you had Hepatitis.
The timing of when you had Hepatitis will significantly affect the quality of the insurance plan that you will be offered.
Here are the common offers you will get according to when you had Hepatitis.
You were diagnosed with Hepatitis C WITHIN the last 24 months
So Hepatitis C within 24 months, the best burial or final expense insurance plan offer you will get is the one with an immediate full death benefit starting from day 1 but it comes with a higher premium.
Considering its Hepatitis C which has the highest risks, there are only just a couple of top-rated A+ insurance companies out there that can offer this plan. In fact, the worst-case scenario is a guaranteed issue policy.
Here is our top carrier for Guaranteed Issue
- Living benefits
If somehow you can not qualify with these top-rated A+ insurance companies, you would want the next best plan offer. You would want an insurance plan that can pay a percentage of the full death benefit plan if you passed away during the first or the second year- this is commonly called a “Graded” or “Modified” plan.
Modified insurance plans usually pay beneficiaries up to 30 to 40% of the full death benefit in the 1st year of the plan. Then 70 to 80% during the 2nd year. There are still top-rated insurance companies that offer this kind of final expense insurance plan.
You were diagnosed with Hepatitis C AFTER 24 months ago
To simply put this, if you are free from Hepatitis C for the last 24 months, then congratulations in beating it and for being qualified for the best burial or final expense insurance plan.
The best is where you pay the lowest rates with an immediate full death benefit starting from day one- this insurance plan is sometimes called Level, Simplified or Preferred policy plan. (Let’s use the term “Level” for this article)
Here is our go-to burial carrier for hepatitis.
- Hepatitis that has been cured and is over 2 years ago (treatment must be 2 years old too)
You were diagnosed with Hepatitis A or B WITHIN the last 24 months
If it’s just Hepatitis A or B you’re dealing with, it’s most likely that you will be offered a Level type insurance plan. Hepatitis A and B today have effective vaccines and are often treatable within 6 months or less, that is why there are top-rated A+ insurance companies that have insurance plans designed for Hepatitis A and B at a Level type of insurance plan.
Here is another one of our goto carriers.
- Chronic hepatitis, Hepatitis C, cirrhosis of the liver, chronic pancreatitis, liver disease or kidney disease?
How to find the best burial or final expense insurance for clients with Hepatitis A, B, or C
You need an insurance agent who always has an up to date knowledge on which top-rated A+ insurance companies will offer the best plans for whatever type of Hepatitis you may have.
We here at InsuranceForBurial.com can help you find the best possible burial or final expense insurance possible at the lowest rates.
We are formed by a team of final expense insurance specialists that has a passion to find the best possible burial insurance policy to anyone who has any type of Hepatitis.
We have over 26 years of experience helping insurance clients and are licensed in 49 states.
We have a masterful knowledge of the underwriting processes of dozens of top-rated A+ insurance companies with innovative additional features at no extra costs.
Talk to us now! We promise you a simple no non-sense interview process with no pressure.