Advancements in medical treatment often don’t translate into improved underwriting options for clients. In this case, however, Lincoln Financial has updated their strategy relative to clients with Hepatitis C, including offers as strong as Preferred in some cases. Read on for the details!

The data is clear: Treatment of Hepatitis C has changed dramatically. The data from the CDC provided by Lincoln is compelling:

  • Approximately 2.7 – 3.9 million people in the United States have chronic Hepatitis C, most prevalent among the baby boomer population
  • More than half the carriers do not know they have Hepatitis C
  • Effective treatment options are now available, which may cure more than 85% of cases

Data source: Centers for Disease Control and Prevention, “Viral Hepatitis and Liver Cancer,” CDC Fact Sheet, https://www.cdc.gov/nchhstp/newsroom/docs/factsheets/viralheplivercancer.pdf, March 2016.

What Does this Mean for Clients with Hep C?

To put it plainly, treated Hep C cases may qualify for at least Standard rates, and possibly Preferred rates. In addition to the great news for these clients in terms of their insurance costs, Lincoln will automatically include Hep C testing and the results to baby boomers applying for coverage with through the balance of 2017.

For additional information, please see the formal communication from Lincoln Financial, or reach out to the AIN Underwriting Team to discuss your next case.