Last Updated on October 13, 2017 by lifepolicyshopper
Life Insurance For Seniors With Treated Hepatitis C
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If you are enrolled in a hepatitis C treatment program – you will qualify for life insurance with first day coverage at a standard rate. But that’s not the end of the story. We put you on a clock and once you finish your treatment program, we can get you qualified for a preferred rate program after a certain amount of time after your last treatment.
We love to help find life insurance for seniors with treated hepatitis C that are continuing the fight against this long journey of hopelessness and constant fatigue. In this article we will review some of the facts about treatment options as we have in our other articles on LifePolicyShopper.com.
But first let’s review the program guarantees:
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. You 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.
Hepatitis C Treatment
In order to get Life Insurance For Seniors With Treated Hepatitis C we’ll review the treatment plans for hepatitis C. Hepatitis C virus is treated with all-oral medications. These pills, called antiviral medications, are usually taken once per day. These antiviral medications are extremely good at attacking the virus and preventing it from multiplying.
Antiviral medications were not the original treatment for hepatitis C. Before 2014, the only treatment for hepatitis C was called interferon and ribavirin, taken as weekly injections under the skin, plus pills. Interferon treatment caused many unpleasant side effects and was not usually successful. Today's antiviral treatments are extremely successful at curing the virus and have very minimal side effects.
Ribavirin (without interferon) is sometimes prescribed to be taken along with the new antiviral medicines. Most patients do not need ribavirin, but for certain patients, ribavirin is needed as extra help for the antiviral medications to have the best chance at curing the hepatitis C virus. Ribavirin has some mild-moderate side effects. Ribavirin is a pill taken twice per day, as 2 or 3 pills in the morning plus 2 or 3 pills at night, depending on the patient's body weight.
Antiviral Medications For Hepatitis C
The purpose of taking antiviral medications for hepatitis C is to:
• remove (or clear) all the hepatitis C virus from your body permanently
• stop or slow down the damage to your liver
• reduce the risk of developing cirrhosis (advanced scarring of the liver)
• reduce the risk of developing liver cancer (hepatocellular carcinoma)
• reduce the risk of liver failure and the need for a liver transplant
A Successful Treatment Based on the Sustained Virologic Response (SVR)
In an untreated state, the hepatitis C virus infects the cells of the liver and then continuously lives there, making copies of itself that circulate in the bloodstream. When antiviral medications are used, they can destroy the way the virus reproduces. The amount of virus in the bloodstream then decreases. The amount of virus in the blood is measured by a viral load (also called HCV RNA).
Treatment is successful when the viral load drops to undetectable levels, which means the virus cannot be detected in the bloodstream at all. The viral load becomes undetectable during treatment and remains undetected after treatment has ended. If there is still no detectable virus in the blood 12 weeks after the end of the treatment, the treatment was successful. This is called a Sustained Virologic Response (SVR).
A patient who has achieved an SVR is considered to be cured of the hepatitis C virus.
Medications Used To Treat Hepatitis C
• Daclatasvir (Daklinza) + Sofosbuvir (Solvaldi)
• Elbasvir/Grazoprevir (Zepatier)
• Ombitasvir/paritaprevir/ritonavir + Dasabuvir (Viekira is the name of the entire combination)
• Sofosbuvir (Solvaldi) + ribavirin
• Sofosbuvir/Ledipasvir (Harvoni)
• Sofosbuvir/Velpatasvir (Epclusa)
• Sofosbuvir (Solvaldi) + Simeprevir (Olysio)
There are also more medications expected to be developed and approved.
If you have tried to get life insurance and been declined or rated up to a return of premium plan for life insurance, fill out the quote request and let us get you enrolled in first day coverage at a standard rate. It will be only a matter of time where we can get you onto a plan at a preferred rate
A Plan That Covers Your Final Expenses
Like most, you probably do not want to leave these financial burdens to your loved ones. Proceeds from a final expense life insurance policy pass to your beneficiary at the time of your death to help cover funeral or burial expenses, unpaid medical bills or other costs. Speak to us today to find out how one purchase can lead to a lifetime of peace of mind.
Unexpected costs can create a financial burden on family members, making this time even more difficult. Planning your funeral arrangements or how your loved ones will pay for your final expenses is not typically at the top of anyone’s to-do list. But could your family pay for these expenses without sacrificing their retirement and savings? If you’d like the comfort of knowing you are not leaving a financial burden to your family, plan for these costs by purchasing life insurance. A policy can protect your family from spending their hard earned savings on your final expenses. These whole life insurance policies offer you and your family lifetime protection with rates that never increase.
You’ll never have to worry about losing coverage. Even if your health conditions changes your rate is guaranteed for the rest of your life. An income tax free death benefit, money that passes to your beneficiary is generally income tax free. No required medical exams. Applying for one of these whole life insurance policies is quick and easy. Simply answer a few medical questions on the application with guaranteed qualification. Every applicant can qualify for coverage.
For more information read our article - Life Insurance With Treated Hepatitis C.