Life Insurance with Elevated Liver Enzymes [Here’s What to Do]

Going through the life insurance process is never fun. At least that’s the impression we get from most clients. It’s not that’s it difficult or that we can’t make the process enjoyable and easy. It’s the fact that people are very un-educated or misinformed about how the process works. Recently, when working with a client, he had a unique question and situation pop up. He asked me the following. 

Life Insurance with Elevated Liver Enzymes

Can you get life insurance with elevated liver enzymes? After a long time in this industry and specializing in high-risk life insurance, here is what I can tell you.

So, can you get life insurance with elevated liver enzymes? Yes. You can be approved for life insurance with elevated liver enzymes. To be approved for life insurance with elevated liver enzymes, you will need to disclose the reason or cause for the elevated liver enzymes. Reasons for elevated liver enzymes can include excessive alcohol use, hepatitis, and cirrhosis of the liver.

Each of these situations poses a different scenario when applying for life insurance with elevated liver enzymes.

It’s essential that we cover this question in more detail and break down what you can ultimately expect when applying for life insurance with elevated liver enzymes.

Let’s start diving into the details in more depth.

More on Life Insurance with Elevated Liver Enzymes

Like we stated before, it’s essential that the life insurance company is aware of what is causing the elevated liver enzymes. They need to effectively evaluate your overall risk and your potential for death during the life of the life insurance policy.

To do this effectively, they are going to complete a medical exam during the life insurance application process. Don’t worry. This exam is 100% free. Your elevated liver enzymes will likely appear during this stage of this process.

If this happens, that’s okay. Now it’s time to provide a reason for the situation and allow the life insurance company to pull your medical records. This is also known as the life insurance company ordering what’s known as an APS or “Attending Physicians Statement.”

This isn’t a bad thing. In fact, it’s likely to help you when applying for life insurance with elevated liver enzymes. You see, the cause of your elevated liver enzymes could be caused because of something as simple as drinking the night before your exam.

Of course, on the other hand, your elevated liver enzymes could be a direct cause of alcohol abuse regularly or something such as hepatitis and cirrhosis of the liver as we stated before.

Depending on which one it ultimately is, will determine if you can be approved for coverage and how much the life insurance will ultimately cost you.

Questions You Will Be Asked During the Application Process with Elevated Liver Enzymes

Now that the exam is complete, and we know we are working with elevated liver enzymes we have a few things to cover. First and most importantly will be the questions asked by the life insurance company about the situation. It’s essential you are up-front during this process. It will help you.

Questions could include any of the following.

  • Did You Take Any Medications Before the Blood Test Such as Aspirin?
  • Did You Consume Any Alcohol the Night Before the Blood Test?
  • Do You Consume Alcohol Daily? If Not, How Often Do You Consume Alcohol?
  • Have You Had Elevated Liver Enzymes in The Past?
  • Do You Have Any History of Hepatitis or Cirrhosis?

In additions to these questions, you will a more basic form of health questions that will be asked to help gauge your overall risk and your overall health. Some of these questions the life insurance company will ask could include questions such as the following.

Once these are answered, you are close to your life insurance application being placed with an underwriter to decide on your approval and overall rate you will need to pay for your life insurance after coming back with high or elevated liver enzymes.

The only step you will have remaining is concerning the elevated liver enzymes directly. This will be one last series of questions that can include the following.

LFT Questions Life Insurance Companies Will Ask When Applying

  • Date of Your Diagnosis
  • Are You CDT Negative
  • Do You Have Stability
  • GGTP (GGT) Score
  • ACT (SGOT) Score
  • ALT (SGPT) Score

These questions are also imperative for you to be accurate and honest with. Often the life insurance company is going to verify all this information with your primary physician.

Assuming these answers and your overall case looks good, you have a strong chance of being approved for life insurance with elevated liver enzymes.

It just depends on the factors that we have discussed this far into the post.

What If You Have Been Declined Life Insurance Due to Elevated Liver Enzymes?

If you have been declined for life insurance because of elevated liver enzymes, it’s time to turn to secondary options. In these situations, you want to rely on what’s known as guaranteed issue life insurance.

These policies are still a great option to make sure your family is protected. Additionally, they don’t ask any medical questions.

In exchange for not looking into your overall risk profile, you will have a 2-year waiting period placed on your benefits being paid to you in full. During this waiting period, if something god forbid did happen, you will be afforded 100% of your money back plus 10% interest earned.

It’s a fantastic saving account for two years and then acts just like any other life insurance policy beginning in month 24. Companies such as American General Life offer what’s perhaps the best-guaranteed issue currently on the market.

AIG’s Guaranteed Issue product features living benefits, 10% interest earned and takes about 10 total minutes to place in force and activate.

It’s easy, affordable and offers the most robust perks compared to other options currently on the market such as Great Western Life Insurance Company and Gerber Life Insurance Company who also provides excellent guaranteed issue life insurance.

What Should You Do Next When Applying for Life Insurance with Elevated Liver Enzymes

Up next, if you are convinced we can get the job done for you by shopping over 50 of the top-rated life insurance companies, we highly recommend you begin by filling out the instant quote form on the right-hand side of the screen or the orange button on the top of your screen if you are using a mobile device.

This is going to allow you to compare rates from over 50 of the top-rated life insurance companies and let you be the judge on which company you want to work with. It’s the beautiful part about being an independent life insurance agency. We represent you, not the life insurance companies.

We can offer you the access to all life insurance companies to ensure you are always getting the best price possible and overall, being afforded the highest chance and likelihood of being approved for life insurance with elevated liver enzymes.

Final Word, Life Insurance with Elevated Liver Enzymes is 100% Possible

At the end of the day, your family’s protection, wellbeing and ability to survive financially if something happened to you is the most important thing. Applying for life insurance with elevated liver enzymes is not nearly as tricky, compared to other health conditions you could currently have.

If you don’t believe us, give us a call at the number at the top of your screen. We will make the process easy and prove that we are here to serve you and you only. It’s what we do, and we handle high-risk cases like this all the time. We can get you approved too.

Don’t hesitate to purchase life insurance with elevated liver enzymes. It’s possible. What are you going to do about it?

FILED UNDER – LIFE INSURANCE WITH LIVER CANCER

Resources: Candrol.com

Josh Martin and family of Good Life Protection

Josh Martin is the founder of Good Life Protection. He began his career as a captive Agent working for New York Life Insurance Company. After continued education and designations, Josh founded Good Life Protection to provide consumers with more options and insurance that truly fits into your budget and health classification.