If you have chronic hepatitis — or a history of hepatitis — you may assume that getting life insurance will be difficult.
But some plans in Canada are designed for people with pre-existing health conditions and do not require a medical exam, blood tests, or lab work.
That means a past diagnosis does not automatically mean life insurance is out of reach.
If hepatitis has made traditional life insurance harder to get, Guaranteed Life Insurance may be an option worth considering.
The application is designed to be straightforward. There is no medical exam, no blood or urine testing, and no long list of health questions. Instead, eligibility is based on just one qualifying health question: “Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill?”
If your answer is “No”, you may be eligible for coverage, even if you have a history of hepatitis or another pre-existing condition.
The policy can provide money to your beneficiaries to help with funeral costs, outstanding bills, debts, or other final expenses.
Being declined for life insurance before does not necessarily mean you cannot get coverage today.
Different plans use different eligibility rules, and Guaranteed Life Insurance is specifically designed for people who may not qualify through traditional underwriting.
Getting started is simple. No medical exam and no office visit required.
Step 1. Get your free quote
Click the button and fill out a short form with a few basic details.
Step 2. Chat with a licensed advisor
An advisor will reach out, answer your questions, and walk you through your coverage options and personalized quote.
Step 3. Apply from home
Like what you see? Your advisor can help you complete the application right over the phone.
Not every hepatitis diagnosis or medical history is treated the same way by life insurers. The type of hepatitis, your treatment, current health, and how stable your condition is can all affect which options may be available.
That is why it is worth speaking with a licensed advisor rather than assuming you will not qualify.
Even if getting coverage has been difficult in the past, an advisor can help you understand which plans may fit your situation today.