Sometimes there is a significant underlying health issue, and other times the elevations may be due to taking aspirin, a recent muscle strain or injury, or certain medications, including herbal remedies.
Can I get life insurance with high liver enzymes?
Yes. You can get life insurance if you know the key facts such as lab test results for AST, ALT, bilirubin, GGTP and ALP. In addition to lab results, it’s important 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 the questions to ask you about your health history, the companies that are best to work with, and we know the steps for you to take if you have elevated liver enzymes and need life insurance.
Elevated Liver Enzymes is part of our gastrointestinal and digestive system life insurance underwriting.
Abnormal liver test and life insurance
What to expect from high risk life insurance companies.
Liver enzymes are very sensitive and can elevate for both temporary insignificant health issues, or elevated liver enzymes may be an indicator of a significant health issue.
Something important to keep in mind. While most elevations are temporary, underlying liver problems represent a significant underwriting risk. If you received an offer more expensive than expected, the best course of action in many cases is to accept that coverage on a monthly basis. We can then work on improving that offer with another company once we figure out the reason why liver enzymes are elevated.
When it comes to your liver, life insurance companies are very cautious and take a conservative approach.
Health Problems Associated with Elevated Liver Enzymes
Hepatitis – is a serious inflammation of your liver, and may lead to cirrhosis of your liver. Recent improvements in hepatitis treatment have opened up new opportunities for life insurance. If you have an existing policy and have since received treatment, it may be worth shopping the market again.
Check out this article about hepatitis and alcohol use as this is a major concern to underwriters.
Cirrhosis – is irreversible scarring and damage to your liver. Cirrhosis is a significant health problem and most cases makes you uninsurable with life insurance companies.
Alcohol Abuse – Elevated Liver Enzymes may be an indicator of alcohol abuse.
Biliary Obstructions – Gallstones, cancer, cholangitis
The above liver problems are all significant health problems that life insurance underwriters are concerned about.
If you have elevated liver enzymes and the cause is unknown, the above need to be ruled out in order to get you term life insurance. We can help you.
Things That May Elevate Your Liver Enzymes
Exercise – That’s right…exercise may get you declined for life insurance! We provide paramed exam tips to you to ensure that you avoid potential problems in life insurance underwriting.
You need to fast prior to your paramed exam and we typically recommend that you schedule your paramed exam in the morning to ensure the 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 exam!
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 prior to your exam, even over the counter medications.
There are also a number of other prescription medications such as dilantin, phenobarbital, allopurinol, antibiotics, acne treatment medications, certain arthritis medications, and others that may elevate your liver enzymes.
There are a number of herbal remedies that 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.
Alcohol and life insurance exams – Even an occasional glass of alcohol may elevate your liver enzymes. It is best to avoid alcohol prior to 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.
I have elevated liver enzymes, now what?
We need to discuss your case and history. If the elevated liver enzymes can be tied to a temporary situation such as exercise, illness, medications, etc.. we may be able to resolve this simply by getting the life insurance underwriter to agree to accept a new paramed exam from you.
In more serious elevations of liver enzymes, life insurance underwriters may be looking for additional tests to rule out significant liver problems.
Liver Enzyme Tests
The three 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.
Serum Glutamic Oxaloacetic Transferase – Also known as AST. SGOT levels greater than 45 U/L are considered to be elevated.
Serum Glutamic Pyruvic Transferase – Also known as ALT. SGPT levels greater than 45 U/L are considered elevated.
From a life insurance underwriting standpoint, we encounter elevated liver enzymes all the time.
How We Help You get Life Insurance if You Have Elevated Liver Enzymes
We know which life insurance companies to work with and which life insurance companies to avoid if you have a history of elevated liver enzymes and need life insurance. There are a number of high risk life insurance companies available to help you.
We gather your medical information from you and then shop that information out on an informal basis to multiple life insurance companies.
Once we hear back from those life insurance companies, we will contact you to discuss the underwriting feedback and what to expect from underwriting in terms of price, etc.