Can You Get Life Insurance with Cirrhosis of The Liver? [Pro Tips]

Can You Get Life Insurance with Cirrhosis of The Liver?

If you have cirrhosis of the liver and have been looking for life insurance, you may be feeling a bit overwhelmed or confused at what your possible options may be. Understanding if you can get life insurance with cirrhosis of the liver is essential.

It’s a common medical condition that impacts many more individuals then one may think.

One could probably attribute this to the fact that America, is indeed, a very heavy drinking country.

The questions do come up often when speaking with clients.

Can you get life insurance with cirrhosis of the liver? Yes, you can obtain life insurance with cirrhosis of the liver.  It is, however, going to be be based on your current cirrhosis status, overall health, and age. Obtaining life insurance with liver cirrhosis is possible.

I’m not a doctor so no need to get too serious yet.  I like a frosty beverage from time to time as well, but that’s beside the point and the task at hand.

However, we always recommend that if you are trying to save time that you should stick to comparing rates and quotes with all life insurance companies.

You can do this easily below using our instant life insurance quotes rate engine to compare rates with 50 of the top rated life insurance companies.


We get it, it Is scary, but we are here to inform you that life insurance is possible, and we want to break it down for you in more depth.

Understanding your options with any high-risk medical condition when it comes to life insurance is of utmost importance.

High-Risk life insurance isn’t necessarily the end of the world but it does need some additional TLC

That’s what we do at Good Life Protection.

We lay out the options and try to guide you down the easiest path to obtaining affordable life insurance regardless of what medical struggles you are currently facing.

For the sake of this post, however, we are going to cover your options strictly based on cirrhosis of the liver and other related liver problems.

Can You Get Life Insurance with Cirrhosis of The Liver?

Like stated previously, you can absolutely obtain life insurance if you have cirrhosis of the liver.

You do however need to realize that other factors will always be considered with cirrhosis of the liver.

Answering the question of “if someone with cirrhosis of the liver can get life insurance is never black and white is a better way to word it.

The rest of this post should help to clear up exactly what I’m referring too.

Symptoms and Causes of Cirrhosis of the Liver and How it Impacts Life Insurance

Cirrhosis of the liver is a late stage of scarring (fibrosis) of the liver that’s caused by many different factors.

In most circumstances, it’s caused by various forms of liver disease and other conditions such as hepatitis and chronic alcoholism.

Depending on what the direct cause for the cirrhosis of the liver is, can make a dramatic impact on your life insurance application.

Some common symptoms of cirrhosis of the liver could include

  • Fatigue
  • Easy Bleeding or Bruising
  • Loss of Appetite
  • Nausea
  • Swelling in Your Legs, Feet, and Ankles
  • Weight Loss
  • Itchy Skin

Cirrhosis of the liver can also be present with no physical symptoms at all.

We can discuss a bit further in the post at when this may come into play during the life insurance application process.

We are now aware that life insurance with cirrhosis of the liver is possible, but we also are aware that it depends on the root cause and what is taking place.

You see, cirrhosis of the liver is usually a gradual process where scar tissue is slowly overtaking your healthy liver cells and causing damage, but situations do exist where we can still obtain affordable life insurance with cirrhosis of the liver.

Underwriting Liver Cirrhosis During the Life Insurance Exam

Regardless of if you inform your life insurance agent of the cirrhosis and what’s taking place, you will still need to complete the medical exam for the life insurance company.

Don’t worry it’s free and not all that painful of an experience.

During this exam, you will have a blood draw that will allow the life insurance company to see your liver function test and corresponding results that will enable underwriters to make a judgment call on the actual severity of the cirrhosis of the liver.

These tests are known as liver enzyme test.  They will help tell the story along with all the helpful information you will provide to the life insurance agent.

Other Considerations the Underwriter and Life Insurance Company Will Want to Know

The blood test is done but that doesn’t conclude the information needed if you truly want to gain life insurance coverage and protect your family.

Also, the life insurance company and underwriter will want to know the following items,

  • Have you had complications with any other major organs?
  • A detailed description of all treatment you have received thus far?
  • What was the result of the said treatment? Positive? Negative? What’s the outlook?
  • Was the Cirrhosis part of or tied directly to hepatitis?
  • What Treatments Are You Currently Undergoing?
  • When did this begin? When was it diagnosed initially?

Additional Questions Life Insurance Underwriters Will Ask Pertaining to Liver Cirrhosis

Keep in mind that all the questions just covered was only pertaining directly to the cirrhosis of the liver.

That doesn’t mean you are squeaky clean across the board in other areas so the life insurance company will also want to know,

  • Your Height and Weight
  • Tobacco Use
  • Family History
  • Alcohol Consumption
  • Any Other Pre-Existing Medical Conditions

The Importance of Applying For Life Insurance With Liver Cirrhosis

The life insurance company needs to be able to paint the clearest picture possible with the situation at hand.

They are also going to want doctors notes or even a specialist notes on the case and current state of the cirrhosis.

During the review of these notes, the underwriters will also be considering any other major medical issues that pop during the review.

As long as you are straightforward about the condition and have been diligent about treatment and recovery and the outlook is positive, there is still a favorable chance and outlook that you can obtain life insurance after cirrhosis of the liver but it’s also going to depend on other possible root causes which we will cover briefly now.

Life Insurance with Hepatitis and Liver Cirrhosis

If the direct cause of the liver cirrhosis is tied to hepatitis which has since been treated, not gotten out of hand and was handled diligently with good results, your chances of approval for traditional or whole life insurance is excellent.

You could also be approved at excellent rates if you fall into this category.

Possible Approval Rating- Standard Rates

Life Insurance with Fatty Liver and Liver Cirrhosis

If your cirrhosis is tied into fatty liver, you may run into further issues attempting to obtain life insurance.

This is primarily because fatty liver can be directly linked to alcohol consumption and alcohol abuse.

If this is the case, you may still qualify for life insurance at sub-standard rates, but you may also have to consider guaranteed issue life insurance to obtain the protection you need.

Life Insurance After or During Liver Cancer

If your liver cirrhosis is directly tied to liver cancer or liver disease, it’s going to be very tough to obtain traditional life insurance.

You will have to go through a waiting period before applying of 5 years or longer, and the notes and doctor’s records regarding cancer would need to have very positive outlooks and prognosis to be considered.

This is another category where you may be forced to consider guaranteed issue life insurance or accidental death life insurance.

Life Insurance with Alcohol Abuse

If your liver cirrhosis is caused by alcohol abuse, it will be nearly impossible to get life insurance coverage unless you have successfully been off alcohol for a period of at least 2 years but preferably up to 5 years.

Alcohol abuse scares life insurance companies in most circumstances because of so many unknowns.

Do you drive or have other lifestyle habits that could potentially be hazardous?

Everything comes into play when considering life insurance with alcohol abuse.

If you, however, have been clean for a decent period, chances are you can gain approval and at fair rates.

In most circumstances, you will be looking at substandard rates, but it is possible to obtain standard rates if you fall into this category.

Potential Rates and Finding Affordable Rates with Liver Cirrhosis

This varies to greatly to give you a perfect number on what the rates may be but know that it’s going to depend significantly on the direct cause we discussed previously and how the current status of the condition is currently doing.

Again, it’s going to be very tough in some of the situations to obtain life insurance with liver cirrhosis and with other conditions, it’s going to be easy.

Guaranteed Issue Life Insurance with Cirrhosis of the Liver

This is always an option regardless of your condition and why you have cirrhosis of the liver.

If you are between the ages of 50-85, you can qualify for guaranteed issue coverage.

These will have no medical questions attached to them.

In exchange you will have a two-year waiting period in which if death does occur you would only be afforded your premiums returned plus 10% interest accumulation.

Guaranteed issue life insurance makes for a great remedy for individuals seeking 25,000 or less in coverage and final expenses they need taken care to relieve the burden for their family.

AIG offers perhaps the best-guaranteed issue life insurance policy for these situations. For more information, don’t hesitate to view our other post dedicated to that topic. It’s directly below.

Read our Full AIG Life Insurance Review Here.

Accidental Death Life Insurance with Cirrhosis of The Liver

Let’s assume you fall into the category where you need guaranteed issue life insurance, but you aren’t between the ages of 50-85.

If this is the case, you need to lean towards accidental death life insurance.

Yes, it’s frustrating that death from natural causes isn’t covered.

It does however at least provide your family with some sort of financial security if god forbid was to happen in the future.

Some coverage is better than no coverage no at all.

Also, If you’re in a position where your condition may improve over time, accidental death or guaranteed issue life insurance could just be a temporary plan for you until you can re-apply for traditional life insurance in the future.

Point being, don’t leave your family unprotected and with the possibility of financial struggle when at least 1 option always exists to get you covered in the event the unexpected finally does come knocking on your doorstep.

Life Insurance with Cirrhosis of the Liver Can be Done, What Are You Waiting For?

You know the options while having cirrhosis of the liver.

No matter what, options exist.

You need to weigh your options carefully and with a life insurance agent and agency that understands your situation and is using to underwriting high-risk medical conditions.

These cases can be tricky.  Leave it to us.

We handle high-risk life insurance all the time.

We will shop the market for you and ensure that you find the lowest overall price for your life insurance and will shop it till we find a viable option for you.

What are you waiting for? 

Fill out the quote form to the right to get started and compare life insurance rates from over 50 of top name and trusted life insurance carriers.

Thanks for reading, we appreciate you. 

FILED UNDER – LIFE INSURANCE WITH LIVER CANCER