How To Get Life Insurance With Hepatitis C? 
You have two ways to get life insurance with Hepatitis C . One is to go with a simplified issue or guaranteed issue policy , and one is to go with a medically underwritten policy . The simplified issue policy will have a limited number of health questions and will not require an exam . The guaranteed issue policy will have no health questions and not require an exam . Both options are a fairly certain way to get a policy . The face amount will be limited -LRB- possibly a maximum of $ 25,000 or less , but some policies offer more coverage -RRB- . And it may be graded -LRB- pays a reduced benefit for natural death during the first years of the policy -RRB- . If you have cirrhosis of the liver , this is most likely your only option . And some people choose this because it is easy and they do not need a large policy . If you do want over $ 25,000 of coverage , you would pay far less by applying for a medically underwritten policy , if you can qualify for it . If your liver labs are fairly normal and you have had a biopsy and there is no liver damage , this could be a good choice for you . If your labs are normal and you have not had a biopsy , the rates may be higher , but it still is an option . If you have had successful treatment that has shown eradication of the Hep C a year after your treatment ends , you will get the lowest rates . Some genotypes of hepatitis C , or failed treatment , or high lab results , may make it necessary to go the simplified or guaranteed issue route . Hepatitis C is a complicated disease and you should use an insurance agency that specializes in insurance for persons with Hep C to help save you time and money . 