Get approved for life insurance if your liver enzymes are elevated!
Elevated Liver Functions Overview
- Underwriting Liver Functions
- Declined Due to Elevated Liver Enzymes?
- Table Rated Due to Elevated Liver Enzymes?
- Can I Get Life Insurance?
Underwriting Liver Functions
Underwriters look at the following:
- The number of elevated liver functions
- How elevated above normal range the tests are
- Underlying medical conditions
- Any evidence of liver disease
Elevated liver functions are a common digestive system underwriting issue.
Many things can throw your liver blood test results off.
And leave you with an expensive table rating or a decline.
It could be a minor or major health issue but needs to be addressed in order to get the best rate possible.
Here’s How We Help You
Our quick quote process reaches out to life insurers that understand liver enzymes.
It’s fast and anonymous with results in a few days.
You get the underwriting feedback and accurate life insurance quotes for your review from the best life insurers.
Declined Due to Elevated Liver Enzymes?
Denied for Life Insurance?
Some life insurers specialize in liver enzyme underwriting,
While other companies want nothing to do with you.
If you’ve been declined by one company, that does not mean that all companies will decline you.
Table Rated Due to Elevated Liver Enzymes?
The insurance company may offer you a policy with a table rating expense.
Underwriting may tell you 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 is accept that rated policy temporarily.
We will then shop the market to see if a better rate exists before you complete additional tests.
Why, you ask?
While many elevations are temporary, some turn out to be a serious health issue.
If your repeat tests are unfavorable, your insurance offer will be rescinded.
Serious liver problems are difficult and expensive to insure.
Can I get life insurance?
Yes, you can get life insurance.
Have your lab test results for AST, ALT, bilirubin, GGTP, and ALP available.
Were elevations due to:
- Liver disease
- Something else
In our experience with underwriting health issues, most elevations of liver enzymes will not stop you from getting insured.
But, you may have to wait until follow-up tests are completed, or you may pay more than people without liver issues.
Related Health Problems
The following health issues are known to cause problems.
Hepatitis – is a serious inflammation of your liver,
That 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 insurers.
Alcohol Abuse – May cause significantly elevated liver enzymes.
Some health issues such as ulcerative colitis may elevate liver functions.
Things That May Elevate Your Enzymes
Exercise – Exercise temporarily elevates liver functions.
Liver enzymes stay elevated for hours after exercising.
Do not exercise on the day of your paramed exam.
Make sure you read our paramedical exam tips for the best results.
Medications – Aspirin, Tylenol, etc. may elevate your liver enzymes.
Tell your paramed examiner about any medications taken,
Including over the counter medications.
Prescription medications may elevate liver enzymes.
Dilantin, Truvada, phenobarbital, antibiotics, acne treatment medications, arthritis medications all elevate enzymes.
Some herbal remedies tend to elevate liver enzymes.
Sickness – If you are sick or just had an illness, postpone your exam.
Liver enzymes elevate when you’re sick.
Medical conditions like Crohn’s disease and HIV may elevate liver functions.
Alcohol and life insurance exams – Even an occasional glass may elevate your liver enzymes.
It is best to avoid alcohol for a few days before your paramed exam.
We can always reschedule your paramed exam.
I have elevated liver enzymes, now what?
A letter to the underwriter can resolve some temporary elevations.
In more severe liver elevations enzymes,
Underwriters will ask 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 by life insurance companies include:
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.
We know the best life insurance companies to work with.
We’ll explain which companies are best and why.
Please take a few minutes to submit your quote request today.
Last Updated – March 3, 2021