Life Insurance with Cirrhosis

Written by Life-Wealth-Win

Finding affordable life insurance with cirrhosis is possible. Life insurance is one of the best ways to take care of your family when you’re gone. This financial tool can help ensure that your family will be able to pay off debt, replace your income and pay final expenses when you pass away. 

For many people, obtaining life insurance simply require determining how much coverage they need, applying for life insurance, and then waiting for the approval of their policy.

This may be a challenge for someone with cirrhosis because underwriters may consider them a higher risk applicant. However, there are other life insurance options for people with cirrhosis.

If you find it hard in the past to get life insurance with primary biliary cirrhosis – we can help you!

Working with a high-risk insurance specialist like Life Wealth Win can help you find the insurance carriers that accept higher risk individuals like yourself. We know the right process of applying for life insurance with cirrhosis, and we can help you get the best options at affordable rates.


Primary biliary cirrhosis is a kind of cirrhosis that damages the bile ducts in your liver. It is permanent damage where the liver tissue is replaced with fibrosis or scar tissue. The structure and function of the liver are affected as more and more scar tissue develops.

The bile ducts play an essential role in digestion. It carries bile away from the liver. The bile helps the body to absorb cholesterol, fats, and other vitamins. It also helps get rid of worn-out red blood cells and other things that your body doesn’t need.

When the bile ducts don’t work correctly, those substances stay in the liver.

If the bile backs up, the liver gets inflamed and scarred. Over time, the liver doesn’t work the way it should because the scar tissues in the liver replaced the healthy liver tissues. It is a gradual process, but the disease can worsen over time until you need a liver transplant.


The primary cause of PBC is unknown.

Many experts consider it an autoimmune disease where the body turns against its own cells. The liver inflammation starts when T cells begin to collect in the liver and mistakenly destroy the healthy cells lining the small bile ducts. As the cells die, it was replaced by scar tissue that can lead to cirrhosis.


There are hardly any symptoms at the early stage of PBC. People diagnosed with cirrhosis may live for many years without problems.

Later, the symptoms occur, they may include:

  • Yellow skin and eyes
  • Dry eyes and mouth
  • Fatigue
  • Itching
  • Swollen feet and ankles
  • Bone, muscle, and joint pain


Getting affordable life insurance with cirrhosis can be challenging.

Primary biliary cirrhosis is a serious medical condition, and people with cirrhosis are considered higher risk applicants. For this reason, they may not be eligible for a fully underwritten term or whole life insurance policy.

What are the options available for people with cirrhosis?

The good news is some types of life insurance products are available to people with cirrhosis.

Simplified issue and guaranteed issue life insurance policies are available  for people with this condition. These plans will only ask a few health-related questions and will not require an applicant to take a medical exam to qualify.

These policy options can be challenging to find on your own.

With the help of a high-risk life insurance specialist like Life Wealth Win, you can find carriers that take higher risk applicants. You can save time and frustration throughout the whole insurance application process.

Simplified Issue Life Insurance

There is no medical underwriting with the simplified issue life insurance, but you need to answer some questions.

Your answers will determine your approval and the cost of the policy. The best feature of this policy is you can get coverage fast. In many cases, you can get covered in a few hours to a few days.

Typical questions asked when applying for simplified issue life insurance:

  1. Do you smoke?
  2. Do you currently reside in a hospital or nursing home?
  3. Have you been declared terminally ill?
  4. Do you have HIV or AIDS?

This is an example of the underwriting questions asked by most insurance companies.


  • No medical exam just a few qualifying questions
  • Get coverage easily typically within a few days to a week
  • Immediate coverage, no waiting period
  • Cheaper than guaranteed issue life insurance


  • Higher premium compared with other life insurance policies

Guaranteed Issue Life Insurance

There is no medical exam required with guaranteed life insurance, and there are no medical questions asked either.

The insurance company will issue a policy as long as you pay the premium. The policy will be in force after the waiting period of one or two years.  If the insured dies within the waiting period, the beneficiaries will only get premiums paid up to that point.

In some insurance companies, the beneficiary will not get the full amount but only a portion of the death benefit.



  • Graded benefits or with a waiting period, the full death benefit is not available for one or two years.
  • The most expensive life insurance


If you are looking for life insurance with cirrhosis and you don’t know where to turn, we can help you. We specialize in helping higher risk applicants in finding the life insurance coverage that you need, even if you had been declined in the past.

We work with more than 40 top rated insurance companies – and we will be able to approach all the different carriers with your needs to see which will be the best fit for you. Working with independent brokers like Life Wealth Win will save you both time and money on your insurance policy.

Do not wait till it’s too late to get a policy. Cirrhosis is not a simple curable disease like many others. A pre-existing condition like cirrhosis should not keep you from getting the protection that you deserve.

Life insurance is one of the most important things you can ever buy for your family.  Many insurance companies specialize in insuring applicants with cirrhosis; we can help you find it!


Can someone with cirrhosis get life insurance? With the right life insurance agent, life insurance with cirrhosis is possible.

If you need life insurance for someone with cirrhosis, call us at (888) 435-4342 to help you understand your options. At Life Wealth Win we specialize in high-risk insurance cases.

Not having life insurance could leave your family with debts and no money to pay your final expenses. If you have any questions about getting life insurance with cirrhosis, kindly contact us today.

We work with clients across the nation, and we can help you get the best life insurance rates possible.

About Life-Wealth-Win
About Life-Wealth-Win

We work with individuals across the nation to secure the best life insurance rates.

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