Day-one level coverage
Transamerica (Standard; FE Express Select, then Premier after two years), Royal Neighbors (Standard), and NewBridge (Standard for chronic hepatitis) publish day-one paths.
Health & coverage · Hepatitis C
Life insurance with hepatitis C: more open than you’d think
Hepatitis C used to scare people away from applying. On today’s published final expense guides, it’s mostly a Standard-tier, day-one condition — and at some carriers, time since diagnosis or treatment moves you up. The real dividing line is your liver: cirrhosis or liver failure is a different conversation. Here’s the honest map.
The honest landscape
How carriers actually see hepatitis C
Several carriers publish hepatitis C at a day-one tier. Transamerica’s 2023 chart routes hepatitis to its liver-disease row, rated Standard. Its newer FE Express Solution guide rates hepatitis B or C at Select within two years and Premier — its best class — beyond that. Royal Neighbors’ Ensured Legacy guide gives hepatitis B and C a Standard rating, full coverage from day one, and NewBridge rates chronic hepatitis (ever) at Standard.
Other carriers use time windows. American Amicable’s Senior Choice sends chronic hepatitis or hepatitis C diagnosed or treated within the past two years to its return-of-premium plan, within three years to its Graded plan, and beyond three years to Immediate, day-one coverage — and it applies the same windows to interferon (Intron-A) prescribed for hepatitis C. United Home Life groups hepatitis B and C with cirrhosis and fatty liver in a single liver-disease row that routes to its graded Express Issue plan, with no term option.
Cirrhosis is the real fork. Hepatitis without cirrhosis plays like the paragraphs above; cirrhosis is not eligible at NewBridge, guaranteed-issue only at Royal Neighbors, and graded at Transamerica’s FE Express. Combinations matter too: on Transamerica’s 2023 chart, two Standard-rated conditions together route to its graded Easy Solution. And the floor never moves — guaranteed-issue whole life asks no health questions. Mutual of Omaha’s runs to 85, Corebridge’s and Americo’s to 80 — with a graded period for natural-cause death in the first two years (three at Americo) and full accidental coverage from day one.
Your realistic paths
The three doors, honestly labeled
Graded coverage
American Amicable: return-of-premium within two years of diagnosis or treatment, Graded within three. United Home Life routes liver disease, hepatitis C included, to its graded plan.
Guaranteed acceptance
No health questions — with or without cirrhosis. Mutual of Omaha to 85, Corebridge and Americo to 80. Graded period for natural causes; accidents covered in full from day one. Nobody in the eligible ages is simply uninsurable.
What moves the needle
Climbing the ladder
Two years since diagnosis or treatment
Transamerica’s FE Express moves hepatitis B or C from Select to Premier at two years, and American Amicable exits its return-of-premium plan at the same mark.
Three years at American Amicable
Beyond three years since diagnosis or treatment — interferon included — Senior Choice’s hepatitis C questions no longer apply, and Immediate coverage opens.
Protect the liver, keep it one condition
Cirrhosis carries tougher rules at most carriers we reviewed, and on Transamerica’s 2023 chart two Standard-rated conditions together route to a graded plan. Your liver’s health is the biggest lever.
Inside the application
What carriers actually ask
- American Amicable’s Senior Choice maps chronic hepatitis, hepatitis C, chronic pancreatitis, and cirrhosis diagnosed or treated within two years to its return-of-premium question, and hepatitis C, cirrhosis, or liver disease within three years to its Graded question.
- Transamerica’s FE Express chart: hepatitis B/C — under two years, Select; two to five years, Premier; over five years, Premier.
- NewBridge lists “Chronic hepatitis — Ever — Standard,” while “Cirrhosis of the liver — Ever” is not eligible.
- United Home Life’s guide puts “liver disease (cirrhosis, hepatitis B/C, fatty liver)” in a single row: graded Express Issue whole life, no term plan.
Where the doors are
Panel niches worth knowing
Every carrier draws its lines differently — these documented niches are why we shop your exact situation instead of accepting the first answer. Sources labeled; guidelines change without notice.
Transamerica
carrier underwriting guideTwo products, two answers: the 2023 Immediate Solution chart rates hepatitis at Standard; the 2026 FE Express guide rates hepatitis B/C at Select within two years and Premier — its best class — after that.
Our full Transamerica reviewRoyal Neighbors of America
carrier underwriting guideHepatitis B and C are available at Standard — full day-one coverage — on the Ensured Legacy risk guide (not Preferred). Cirrhosis is guaranteed issue only.
Our full Royal Neighbors of America reviewNewBridge (Continental General)
carrier underwriting guideChronic hepatitis (ever) = Standard day-one coverage; a chronic condition of the liver = Modified; cirrhosis = not eligible. Not sold in CA, FL, NY, or SC.
American Amicable
carrier underwriting guideSenior Choice: hepatitis C diagnosed or treated within two years → return-of-premium plan; within three → Graded; beyond three → Immediate. Interferon (Intron-A) for hepatitis C follows the same windows.
Our full American Amicable reviewUnited Home Life
carrier underwriting guideLiver disease — cirrhosis, hepatitis B/C, and fatty liver alike — routes to the graded Express Issue whole life plan; no term plan is offered for liver disease.
Mutual of Omaha
carrier underwriting guideFully underwritten term: hepatitis is on the list that removes a case from the accelerated, no-exam program — traditional underwriting instead (2021 guide).
Our full Mutual of Omaha reviewStraight answers
Hepatitis C & life insurance — FAQ
Can I get life insurance with hepatitis C?
Yes — often with day-one coverage. Transamerica, Royal Neighbors, and NewBridge publish hepatitis C (or chronic hepatitis) at Standard day-one tiers, and Transamerica’s FE Express reaches its best Premier class two years out. Carriers with time windows, like American Amicable, use graded or return-of-premium plans for recent diagnosis or treatment. Cirrhosis changes the picture, and guaranteed issue remains the floor.
My hepatitis C was cured. Does it still count?
It depends on how each question is worded. At windowed carriers, time since diagnosis or treatment is what’s measured: American Amicable’s Senior Choice reaches Immediate coverage beyond three years, and Transamerica’s FE Express reaches Premier beyond two. Carriers whose guides list hepatitis without a time window, like Royal Neighbors, still rate the history — at Standard, which is full day-one coverage. Either way, answer exactly what each question asks.
What if I have hepatitis C and cirrhosis?
Then cirrhosis drives the answer. NewBridge doesn’t accept cirrhosis, Royal Neighbors offers only guaranteed issue for it, and Transamerica’s FE Express routes it to its graded plan; American Amicable uses its return-of-premium and Graded plans for cirrhosis diagnosed or treated within three years. Our cirrhosis page walks through those paths — and guaranteed-issue whole life asks no questions at all.
Can I get term life insurance with hepatitis C?
It’s harder than final expense. United Home Life offers no term plan for liver disease, hepatitis C included, and Mutual of Omaha’s accelerated no-exam program sends hepatitis to traditional underwriting with medical records. Permanent final expense coverage is where the published day-one paths are.
One search, every door
See your real options in about 60 seconds
A few basic questions — age, state, and your honest health picture — are exactly what lets us quote you accurately across the whole panel. A decline somewhere else is the start of our search, not the end. No exam to look, no spam, no pressure.
- We know which carriers treat hepatitis C best — that's the whole job
- Day-one coverage first, whenever you qualify
- Your information is never sold