Last Updated on June 12, 2020 by lifepolicyshopper
Life Insurance With Treated Hepatitis C
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Congrats! 18 months after your last treatment, you QUALIFY for first day coverage at a level premium. You might have used Epclusa(Ep), Zepatier (Ze), Viekira Pak (VP) or Harvoni. We love working with hepatitis C SURVIVORS.
These programs have the following guarantees
1. First Day Coverage. You are fully protected the very first day your coverage goes into effect with no exclusions and no waiting period.
2. Ease of issue. No physical exams.
3. Your premiums will never go up. Lock into a rate at your current age and the cost will never increase regardless of changes to your health and age.
4. Your benefits will never go down. Regardless of changes to your health and age.
5. All programs build cash values.
6. The benefit is paid to your beneficiary tax free on the worst week of their life.
7. Your policy can never be cancelled as long as premium payments are made.
8. This is a protected asset that you will never be forced to liquidate.
Furthermore, if you work with us here at lifepolicyshopper, we can put you on a clock and roll you onto a plan at better rates over time. We know the time requirements among many carriers in the marketplace that approve individuals for first day coverage at a preferred rate that have completed a hepatitis C treatment program. We also have a carrier that issues fully underwritten term life policies at standard rates for those that have completed a treatment program and test undetectable.
Yes, you can qualify for first day coverage life insurance with treated hepatitis C. There’s no reason to go without coverage for your family when you’re undergoing treatment for hepatitis C. And there’s absolutely no reason for you to pay for a guaranteed issue plan that has a two year wait or return of premiums only. If you are not on a first day coverage plan please request a quote and we will enroll you in first day coverage. Even if you just recently started your treatment regimen, you may qualify for standard first day coverage.
Hepatitis C
Description
Viral hepatitis is the infection and subsequent inflammation of the liver caused by any one of several viruses. Most cases of hepatitis are caused by one of five viral agents: hepatitis A virus (HAV), hepatitis B virus (HBV), hepatitis C virus (HCV), hepatitis D virus (HDV), and hepatitis E virus (HEV). A sixth virus, hepatitis G virus (HGV), has been discovered, but little is known about it. The most common hepatitis viruses are types A, B, and C. Viral hepatitis destroys hepatic cells, causing them to become necrotic. When clients are generally healthy, hepatic cells can regenerate; however, this is less likely in elderly people. Viral hepatitis can be either acute or chronic. The disease is reported to the public health department for proper follow-up because of the possibility of contagion.
There are about 150,000 new cases of hepatitis C every year in the united states. It is transmitted through transfusions from asymptomatic individuals or through contaminated needles. It is spread similarly to hepatitis B, and its incubation period is 2 to 12 weeks. This disease often insidiously damages the liver for up to 20 years before symptoms emerge; an estimated 3.5 million Americans are infected with the chronic form of hepatitis C. Those with the chronic form of the disease can infect others. They are at high risk for cirrhosis, liver failure, and liver cancer.
Symptoms
In many people, there may be no symptoms. When symptoms develop, they may be flulike and include malaise, fatigue, anorexia, myalgia, fever, dark-colored urine, clay colored stools, rashes, hives, abdominal pain or tenderness, pruritus, and jaundice. Nausea, vomiting, headache, photophobia, cough, and coryza (cold) may precede jaundice. An aversion to smoking and certain foods is common.
Treatment
For the acute form of hepatitis, clients are treated with general supportive measures. Bed rest, adequate diet, and fluid intake are advised. Antiemestis may be ordered. In the recovery phase, the symptoms subside but the liver enlargement and abnormalities are evident. Recovery may take 1 to 4 months, depending on the individual and the type of hepatitis. Short term protection from HAV is available from immune globulin (lgG) that can be given with 2 weeks of exposure. When the hepatitis is chronic, both HBV and HCV infections may respond to interferon. Adefovir dipivoxil and lamivudine are also licensed for treatment for HBV infection. Ribavirin may be effective with HCV infection an is usually given in combination with interferon.
Treatment depends on the cause of the liver failure and the extent of the liver failure but may include: diuretics for fluid overload, lactulose for confusion, blood products or vitamin K for bleeding, and/or antibiotics for infection. A surgical procedure, called transjugular intrahepatic portosystemic shunt (TIPS) or liver transplant may be recommended.
Until recently, there was no cure for chronic hepatitis C. But new antiviral drugs, suggest a cure for some may be possible. In some instances, the infection causes liver failure and those individuals may be considered for a liver transplant. Hepatitis A and B vaccines will most likely be recommended to prevent further damage to the liver. We have more information on treatment here.
Whole life insurance policies are the most expensive policies on the market due to the increasing cash value over time. This isn't necessarily a bad thing as whole life insurance is permanent life insurance that covers you for as long as you live. This differs from term life which has a cheaper monthly premium but only lasts for a set period of time.
How Should You Choose Your Whole Life Insurance Policy?
When people shop for life insurance, they usually take the cheapest monthly premiums, which may or may not cover their needs. The main consideration for buying a whole life insurance policy is that it will last your lifetime if you continue to pay the premiums.
With whole life insurance, your death benefits will never decrease and the premiums will never increase. This would differ from term life insurance, where your premiums will increase when the term of the policy expires.
What Do Whole Life Death Benefits Do For Me?
When you are trying to decide how much of a death benefit you need, examine what your financial situation would be if you died. How much money do you owe on your mortgage? How much do you owe for your car, credit cards and the children's education? Also how long would it take your family to replace the loss of your income? And do they have the means to do it? With whole life insurance, the death benefit would pay off your debts and possibly provide income for your beneficiaries. One of the main benefits, however, is that you can borrow against the whole life policy if you find yourself in a financial bind.
Also take a look at - Final Expense Life Insurance on Harvoni Treatment for Hepatitis C.