How do you get the best life insurance rates possible if your liver enzymes are elevated?
I’m going to cover a lot of ground about elevated liver enzymes in this article.
I’ve helped many clients and cover the following topics here:
- Elevated Liver Enzymes Overview
- Declined Due to Elevated Liver Enzymes?
- Table Rated Due to Elevated Liver Enzymes?
- Can I Get Life Insurance with High Liver Enzymes?
Whatever your current situation is, let me help you.
But first, consider this when choosing who to work with:
- I specialize in high-risk underwriting (20+ years) and understand liver enzyme underwriting.
- I make underwriters crazy by pushing and pushing until I get you the best rate possible.
- As an independent agent, I work for you not the life insurance companies.
Elevated Liver Enzymes Overview
As part of digestive system life insurance underwriting, elevated liver functions are common.
As you’ll soon learn, many things can throw your liver blood test results off and leave you with a more expensive table rating or even get you denied for life insurance.
Here’s How I’ll Help You.
I use a quick quote process to reach out to life insurers (10-12 companies avg.) that understand liver enzymes.
It’s fast and anonymous (2-3 days and no contact info shared with life insurers).
You receive the underwriting feedback with accurate life insurance quotes for your review.
Please take a few minutes to submit your quote request now.
There’s No Pressure, No Obligation with my service – EVER!
At any time should you change your mind, tell me to close your file.
Declined Due to Elevated Liver Enzymes?
If you were just declined for life insurance due to elevated liver enzymes, please read this first.
There are life insurers that specialize in liver enzyme underwriting, and companies that want nothing to do with you when your liver results are elevated.
Even though you were denied for life insurance, it’s possible that other life insurers will approve you.
Tell us what happened and what your lab test results were and we’ll let you know if life insurance is available with other life insurers now before you start completing repeat testing or liver biopsies, etc.
Table Rated Due to Elevated Liver Enzymes?
Sometimes a life insurer will offer a policy to you with an additional expense called a table rating.
Underwriting may indicate that a better rate is available if you complete additional testing.
Don’t do it!
At least not yet. The best thing you can do for yourself if in a similar situation is to accept that rated life insurance offer temporarily.
We will then shop the market to see if a better rate exists before your completion of additional testing.
The reason why is that many elevations of liver functions are temporary, but sometimes there is an underlying liver problem.
If there is a liver problem, the initial rated offer will be rescinded, and you may not be insurable.
Can I get life insurance with high liver enzymes?
Yes. You can get life insurance if you know the essential facts such as lab test results for AST, ALT, bilirubin, GGTP, and ALP.
In addition to lab results, it’s essential to gain an understanding as to why the results were elevated whether it was due to liver disease, illness, medications, alcohol or some other cause.
In our experience, the vast majority of cases are temporary elevations of liver enzymes and will not stop you from obtaining life insurance.
As high-risk life insurance experts, we know how to get you approved for the best life insurance rates possible based on your unique situation.
Abnormal liver test and life insurance
Health Problems Associated with Elevated Liver Enzymes
Hepatitis – is a serious inflammation of your liver, and may lead to cirrhosis of your liver if untreated.
Read More: Hepatitis Life Insurance
Cirrhosis – is irreversible scarring and damage to your liver.
Cirrhosis is a significant health problem, and most cases make you uninsurable with life insurance companies.
Alcohol Abuse – Significantly elevated liver enzymes may be caused by excessive alcohol use.
Some gastrointestinal health issues such as ulcerative colitis may result in elevated liver functions.
The elevations are typically only slightly elevated and may be a result of medications being taken.
Things That May Elevate Your Liver Enzymes
Exercise – That’s right exercise may get you rated or declined for life insurance!
Make sure you read our paramedical exam (paramed) tips to ensure your best results.
If you exercise, your liver enzymes may stay elevated for hours after exercising. Do not exercise on the day of your paramed exam until after the review!
Medications – Medications such as aspirin, Tylenol, etc. may elevate your liver enzymes.
It is important that you tell your paramed examiner if you have taken any medications before your exam, even over the counter medications.
Prescription medications such as Dilantin, Truvada, phenobarbital, allopurinol, antibiotics, acne treatment medications, arthritis medications, and others may elevate your liver enzymes.
Some herbal remedies tend to elevate liver enzymes. If you take one, let us know.
Sickness – If you are sick or just had an illness, postpone your paramed exam.
Sickness is known to elevate liver enzymes.
Illnesses such as Crohn’s disease and HIV may contribute to elevated liver functions.
Alcohol and life insurance exams – Even an occasional glass of alcohol may elevate your liver enzymes.
It is best to avoid alcohol before taking your paramed exam.
If you indicate that you had alcohol recently and your liver enzymes are elevated, life insurance underwriters (right or wrong) may think you have an alcohol issue as well.
We can always reschedule your paramed exam.
I have elevated liver enzymes, now what?
If the elevated liver enzymes are tied to a temporary situation such as exercise, illness, medications, etc., we may be able to resolve this by getting the life insurance underwriter to accept this explanation.
Other times we may have to move to a new life insurer such as Prudential or others to get better results.
In more severe liver elevations enzymes, life insurance underwriters may start asking for additional testing before they’ll consider life insurance.
Whatever your situation is, we’ll review and decide the best steps to take moving forward.
Liver Enzyme Tests
The main liver enzyme tests that life insurance companies test for are:
Gamma Glutamyl Transferase – Also known as GGT test.
GGTP levels greater than 65 U/L are considered to be significant.
Aspartate Aminotransferase – also known as Serum Glutamic Oxaloacetic Transferase (SGOT)
AST levels greater than 45 U/L are considered to be elevated.
Alanine Aminotransferase aka Serum Glutamic Pyruvic Transferase (SGPT)
ALT levels greater than 45 U/L are considered elevated.
Bilirubin levels greater than 6.0 mg/dl may be declined.
Each life insurer has its own set of guidelines regarding liver enzymes. Your particular elevations will determine if life insurers will approve you as applied, add a table rating or decline you for life insurance.
How We Help You get Life Insurance if You Have Elevated Liver Enzymes
We know the best life insurance companies to work with and the life insurers to avoid if you have a history of elevated liver enzymes.
We gather your medical information from you and then shop that information out on an anonymous basis to multiple life insurance companies.
Once we hear back from companies, we’ll let you know what to expect in terms of underwriting and price.
Keep in mind that there is never any pressure or obligation with our service. We’ll provide you with the information you need to make an informed decision about your life insurance.
Please take a few minutes to submit your quote request today. Thank you.