Life Insurance With Elevated Liver Function

Last updated: March 5th, 2018

Buying life insurance is never fun, but it’s even worse if you’re suffering from a health complication. Your health could be a hurdle when trying to get life insurance.

life insurance with elevated liver enzymesAlong with high cholesterol and high blood pressure, elevation in liver function tests is an abnormality commonly seen in life insurance exams. Sometimes patients know they have elevated liver function tests, but others do not know until the exam. Fortunately, some life insurance companies will still insure you even with an elevation in your liver function tests. This article will cover some questions that we may ask you that can help you find the best rates for life insurance.

Before you start reading this article, if you’ve been declined in the past, and you’re grasping at straws to get coverage, there are still choices. There is almost no health problem which will bar you from getting life insurance. 

Elevated liver function tests may mean that your liver is not functioning correctly, and it may be caused by conditions such as hepatitis, cirrhosis, or even liver cancer. It can also be caused by certain medications such as Dilatin, allopurinol, or phenobarbital. Any of those reasons may be a cause for concern by a life insurance company, and they may affect changes to get approved and how much you pay for it.

Questions That We Might Ask:

  • How long have you had elevated liver functions?
  • How high is the elevation?
  • Do you currently drink alcohol or have a past history of alcohol abuse?
  • Have you recently been tested for hepatitis? Was a biopsy or ultrasound performed?
  • Do you know why you have elevated liver functions?

These questions will help us determine the health rating you receive, which will affect your monthly premiums for life insurance. It’s possible to receive a Preferred rate if elevations are slightly outside the normal range, but if your condition or elevations are more serious, your health rating could be a substandard life insurance rate.

Aside from the questions regarding the elevated liver function, you will be asked questions about other health factors. They will also ask dozens of general health questions.

After the questions comes the medical exam. It’s a simple medical exam. It’s going to consist of taking your blood pressure, measuring your heart rate, and getting your height and weight. To end the exam, they are going to get a small blood sample and urine sample.

Lower Life Insurance Premiums

Who doesn’t want to save money? Before you buy your policy, let’s look at some ways you can keep more money in your pocket. Just because you have elevated liver function doesn’t mean your plan is going to empty your wallet.

To get started, put those cigarettes in the trash.

Smokers pay more for coverage. There is no way around it. If you can’t kick your habit, it’s going to jack your premiums up by two or three times.

The medical exam part of the application process is going to change how the company looks at you. Let’s say you have high blood pressure, then the insurance company is going to see that as red flag. They are going to be wary of giving you life insurance. Before you do the paperwork, dedicate yourself to lowering your blood pressure.

To trim down your premiums, slow down on your way to work. Insurance companies review your DMV records. If you have several speeding tickets or accidents on your records, then you’re going to be considered a “high-risk” applicant.

As an added note, if you do enjoy any risky hobbies, like skydiving or scuba diving, you should quit. Risky hobbies are going to cause your insurance rates to go through the roof.

Working with an Independent Insurance Agent


As you can tell, the insurance company is going to look at every nook and cranny of your life. It’s an all-encompassing process. The problem is, every company is going to focus on different parts. For example, one company might focus on weight more than another company, which means the rates are going to be different.

Depending on the company’s focus, the rates are going to be different for each person. If you contacted six companies, you would get six drastically varying premiums. It’s easy to see why you should gather at least a dozens quotes.

We aren’t your run-of-the-mill insurance agency. Think of us as the Swiss army knife of insurance agents. We are licensed to sell plans from more than 50 companies. With us, you don’t get one quote, you get dozens of them tailored to your health and needs.

Through the years, we have helped hundreds of clients with elevated function tests. We know which companies have the most favorable views on these clients and offer them affordable premiums.

We were able to help them because we knew the guidelines of all the major life insurance companies and because we had all the information we needed, meaning we were able to guide them in the right direction.

Don’t spend your weekend combing through the thousands of companies, just to receive massive quotes. Give us a call or use our quote form.

If you have elevated liver functions but you need life insurance, fill out the form on this page or call us at 888-552-6159.

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Doug Mitchell

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