2024 Burial Insurance with Hepatitis C
last updated on July 22, 2024Getting affordable burial insurance with Hepatitis C is possible. Having Hepatitis C won’t stop you from getting the insurance coverage you need.
The most critical factor affecting life insurance eligibility with Hepatitis C is choosing the right life insurance company.
Working with an insurance agency like Funeral Funds which has access to A-rated insurance carriers can help you find coverage much faster and more conveniently than going through the application process alone.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Hepatitis C?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have Hepatitis C, Do I Need A Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have Hepatitis C
- How Much Insurance Do I Need If I Have Hepatitis C?
- How Should I Pay My Premiums?
- Hepatitis C and Burial Insurance Riders
- How to Get the Best Burial Insurance Rates with Hepatitis C?
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Hepatitis C
- How Can Funeral Funds Help Me?
- Additional Questions & Answers Burial Insurance With Hepatitis C
What Is My Best Insurance Option If I Have A History Of Hepatitis C?
Your ability to qualify for burial insurance with Hepatitis C depends on the following factors:
- Date of your Hepatitis C diagnosis
- The time that passed since your Hepatitis C treatment
- Prescription medications taken
TREATMENT STOPPED WITHIN 2 YEARS
If your treatment stopped two years ago because you recovered and your body was able to fight off the infection, you would qualify for the best plan and the lowest rate
Most life insurance companies that only have a two-year lookback period on Hepatitis C will offer you a level death benefit with first-day coverage.
Best option: Level Death Benefit Plan
This plan with first-day coverage has a level premium that remains the same your whole life. The level death benefit plan is a simplified issue policy with no medical exam and just health questions to answer. Your death benefit will never decrease, and your beneficiary will receive a 100% death benefit when you pass away.
CURRENT DIAGNOSIS AND TREATMENT (Less than 2 years)
Every burial insurance company asks about Hepatitis C within a minimum period of two years. If you were diagnosed with Hepatitis C in the last two years and still undergoing any type of treatment, your best option is first-day benefits.
A first-day benefit plan will also cover you from the first day but your death benefit payout is phased in over time.
Best Option: First-day benefits
What Types Of Burial Insurance Should I Avoid?
| PLANS TO AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| Coverage Up To Age 121 | YES |
If I Have Hepatitis C, Do I Need A Medical Exam To Qualify For Burial Insurance?
You are NOT required to take a medical exam to qualify for burial insurance with Hepatitis C.
When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple; you don’t need to provide medical records or blood and urine samples.
You’ll get the official approval from the insurance company often within minutes!
Burial Insurance Underwriting If You Have Hepatitis C
Burial insurance companies have two ways they conduct their underwriting (medical approval process).
FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.
SECOND – They will electronically review your prescription history. If you are on Hepatitis C medications, this will tell them that you are being treated for Hepatitis C.
HEALTH QUESTIONS:
You will typically see Hepatitis C asked this way in the health questionnaire:
- During the past 24 months, have you been treated for liver disease?
- Have you ever or been diagnosed with, or received or been advised to receive treatment or medication for hepatitis or liver disease?
- Have you been diagnosed within the prior 2 years with or received, or been advised to receive treatment for Chronic hepatitis, Hepatitis B, Hepatitis C, or liver cirrhosis?
In the health questionnaire, you will also notice that some insurance companies do not specifically ask about Hepatitis C. However, they ask if you have liver disease. You need to answer “yes” to the liver disease question since Hepatitis C is a form of liver disease.
PRESCRIPTION HISTORY CHECK
If you have Hepatitis C, these are the medications insurance companies will look for in your pharmacy database to verify that you have this medical condition:
- Daclatasvir
- Dasabuvir
- Elbasvir
- Grazoprevir
- Ledipasvir
- Ombitasvir
- Paritaprevir
- Pegylated interferon
- Ribavirin
- Ritonavir
- Simeprevir
- Sofosbuvir
- Velpatsvir
There are a lot of different medications used to treat Hepatitis C. Whatever meds you take for Hepatitis C, we can help you get the lowest cost burial or final expense insurance.
Finding the best burial insurance with Hepatitis C is simple as we have the best insurance companies that will gladly accept you with your medical diagnosis.
How Much Insurance Do I Need If I Have Hepatitis C?
The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.
The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.
Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.
| AVERAGE FUNERAL COST WITH VIEWING AND BURIAL | |
|---|---|
| Non-declinable basic services | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Hearse | $325 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Metal casket | $2,500 |
| Vault | $1,572 |
| Median Cost of a Funeral With Viewing and Burial | $9,420 |
| AVERAGE FUNERAL COST WITH VIEWING AND CREMATION | |
|---|---|
| Non-declinable basic services fee | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Cremation fee (if firm uses a third-party crematory) | $368 |
| Cremation Casket | $1,310 |
| Urn | $295 |
| Median Cost of a Funeral with Viewing and Cremation | $6,970 |
| Rental Casket | $995 |
| Alternate Cremation Container | $150 |
How Should I Pay My Premiums?
The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month, and you don’t need to worry about your policy lapsing due to non-payment.
Hepatitis C And Burial Insurance Riders
Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.
Here’s a list of common burial insurance riders:
| FUNERAL FUNDS ADD-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included with most plans |
How To Get The Best Burial Insurance Rates With Hepatitis C?
If you have Hepatitis C, you are considered a high-risk applicant. The best way for you to get affordable life insurance is to work with an independent agency like Funeral Funds.
We specialize in impaired risk cases. We know the details of your disease, and we can be able to assist you in qualifying for the best policy.
We know which insurers will issue policies to people with Hepatitis C, and we can help you find affordable pricing.
Benefits Of Burial & Funeral Insurance
Here are some of the benefits of purchasing a burial or funeral policy:
- No medical exam or doctor’s visit is required – easy to get approved.
- Ease of issue – easy to qualify and get insurance coverage.
- No Money Down to get approved – have your policy start whenever you want.
- Level premium – your premium will never increase.
- Fixed death benefit – your death benefit will never decrease for any reason.
- Permanent protection – your policy can not be canceled by the life insurance company as long as you continue to pay your premiums.
- Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
- Cash value builds up – burial insurance is a whole life policy that builds cash value over time.
Other Common Uses For Final Expense Life Insurance With Hepatitis C
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with Hepatitis C
- Cremation insurance plan with Hepatitis C
- Funeral home insurance plan with Hepatitis C
- Final Expense insurance plan with Hepatitis C
- Prepaid funeral plan insurance with Hepatitis C
- Mortgage payment protection plan with Hepatitis C
- Mortgage payoff life insurance plan with Hepatitis C
- Deceased spouse’s income replacement plan with Hepatitis C
- Legacy insurance gift plan to family or loved ones with Hepatitis C
- Medical or doctor bill life insurance plan with Hepatitis C
We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.
How Can Funeral Funds Help Me?
Instead of wasting your time calling different life insurance companies and answering the same questions repeatedly, we will ask you some questions about your health to give you tailored quotes for your condition.
When you’re ready to compare Hepatitis C life insurance quotes, fill out the instant QUOTE form on this page. We have access to many A-rated companies and can give you accurate quotes from all of them. It can save you a great deal of time in the application process.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for Hepatitis C funeral insurance, Hepatitis C burial insurance, or Hepatitis C life insurance, we can help.
Call us at (888) 862-9456, and we can give you an accurate quote.
Additional Questions & Answers On Burial Insurance With Hepatitis C
Can a person with Hepatitis C get life insurance?
Yes, a person with Hepatitis C can get life insurance. You can even qualify for a first-day coverage plan if your treatment has been over two years.
Can you get first-day coverage insurance if you have Hepatitis C?
Yes, you can get first-day coverage insurance if you have Hepatitis C. Your treatment must be completed and you must have been virus-free for at least two years.
Is Hepatitis C a pre-existing condition for life insurance?
Yes, Hepatitis C is a pre-existing condition for life insurance. If you have been diagnosed with Hepatitis C, you may still be able to qualify for life insurance, but your rates will be higher.
What are the chances of a person with Hepatitis C getting life insurance?
The chances of a person with Hepatitis C getting life insurance are good. You can even qualify for a first-day coverage plan if your treatment has been over two years.
Do I need to tell insurance about Hepatitis C?
Yes, you need to tell insurance about Hepatitis C. Insurance companies want to know about any pre-existing conditions you may have.
Do I need to take a medical exam if I have Hepatitis C?
No, you do not need to take a medical exam if you have Hepatitis C. You may still be able to qualify for life insurance, but your rates will be higher.
Can a person with Hepatitis C get burial insurance?
Yes, a person with Hepatitis C can get burial insurance. You may still be able to qualify for a first-day coverage plan if you’ve been virus-free for two years or longer.
Is hepatitis C a critical illness?
No, hepatitis C is not a critical illness.
Which is worse hepatitis B or C?
There is no definitive answer as to which is worse, hepatitis B or C. Both viruses can lead to serious liver damage and are chronic conditions without cure. However, hepatitis C is generally considered to be more serious because it is more likely to lead to liver cirrhosis and liver cancer.
Can hepatitis C lead to death?
Yes, hepatitis C can lead to death. The virus can cause serious liver damage and is the leading cause of liver cancer.
Is hepatitis C treatment for life?
Yes, hepatitis C treatment is for life. There is no cure for the virus, and treatment focuses on managing the symptoms and preventing further liver damage.
What is the life expectancy of someone with hepatitis C?
The life expectancy of someone with hepatitis C depends on the severity of the liver damage. People with mild liver damage may have a normal life expectancy, while those with severe liver damage may only live for a few years.
Can I qualify for cremation insurance with a history of Hepatitis C?
Yes, you can qualify for cremation insurance with a history of Hepatitis C.
Is there an age limit for burial insurance with Hepatitis C?
The typical age limit for burial insurance with Hepatitis C is 85 years old.
Is Hepatitis C a disability?
No, Hepatitis C is not a disability.
Can I qualify for life insurance with stage 4 hep c?
Yes, you can qualify for life insurance with stage 4 hep c.
Is hep C considered a terminal illness?
No, hep C is not considered a terminal illness.
Does Hepatitis C qualify for a life insurance payout?
Yes, Hepatitis C does qualify for a life insurance payout.
What is the survival rate of Hepatitis C?
The survival rate of Hepatitis C is 95%.
What is the average cost of life insurance for someone with Hepatitis C?
The average cost of life insurance for someone with Hepatitis C varies according to their age, gender, location, coverage amount, and health.
Is Hepatitis C fatal in life insurance?
No, Hepatitis C is not fatal in life insurance.
Does hep C stay in your body forever?
No, hep C does not stay in your body forever.
Is there a waiting period for life insurance with Hepatitis C?
Most life insurance companies will require you to be virus-free for two years before they offer a first-day coverage plan with no waiting period.
How do I get life insurance with Hepatitis C?
The best way to get life insurance with Hepatitis C is to work with a qualified independent life insurance agent. They will help you compare policies and find the best coverage for your needs.
How long does it take to get life insurance with Hepatitis C?
The process of getting life insurance with Hepatitis C can take a few minutes after application.
Can you be rejected for life insurance because of Hepatitis C?
Yes, you can be rejected for life insurance because of Hepatitis C. Recent Hepatitis C treatment can cause you to be rejected for life insurance.
What is the best life insurance for someone with Hepatitis C?
There is no one-size-fits-all answer to this question. The best life insurance for someone with Hepatitis C depends on their individual needs and circumstances.
Can Hepatitis C affect your life insurance rates?
Yes, Hepatitis C can affect your life insurance rates. Life insurance companies consider Hepatitis C to be a high-risk condition and will typically charge higher premiums for coverage.
Can Hepatitis C medication affect my premium?
Yes, Hepatitis C medication can affect your premium. Life insurance companies will typically consider any medications you are taking to treat the virus as a Hepatitis C treatment.
How can you get the best life insurance rates with Hepatitis C?
The best way to get the best life insurance rates with Hepatitis C is to work with a qualified independent life insurance agent. They will help you compare policies and find the best coverage for your needs.
What are some things to keep in mind when getting life insurance with Hepatitis C?
Some things to keep in mind when getting life insurance with Hepatitis C include:
- Work with a qualified independent life insurance agent who can help you compare policies and find the best coverage for your needs.
- Be sure to disclose your Hepatitis C diagnosis and treatment on your life insurance application. Failing to do so could result in your policy being denied or canceled.
- Expect to pay higher premiums for life insurance coverage if you have Hepatitis C.
- Remember that most life insurance companies will require you to be virus-free for two years before offering a first-day coverage plan with no waiting period.
