Liver Disease Insurance Questions & Answers

Obtaining life insurance for people with liver disease can be very difficult for some individuals depending on the nature and extent of the disease that is afflicting the liver. Life underwriters consider a variety of liver diseases as being more risky because the liver is such a vital organ.

Liver failure can significantly reduce the life expectancy of a person and result in a premature death.

However, not all types of liver disease significantly affect a person’s life span such as hepatitis which is not necessarily life threatening and may be treatable.

Other forms of liver disease such as cirrhosis, and liver cancer are considerably more of a risk to insure and may result in a person being declined for a traditional life insurance policy.

Underwriters will require that a person be medically examined and will carefully scrutinize blood AST and ALT tests. Other factors which will be scrutinized by an underwriter could include:

• The diagnosis of the kind of liver disease
• The number of years a person has had the disease
• Diet and life style changes required and whether these are being followed
• Amount and history of alcohol consumption
• Results of liver function tests

Finding life insurance for people with liver disease can range from being relatively easy to an automatic decline.

How much will YOUR life insurance cost?

There's only one way to find out. Get a free, no-obligation quote now.

What are the health risks of liver disease?

Health risks for liver disease can range from being very mild to life threatening depending on the nature and extent of the liver disease. Liver disease can be simply summarized as any medical condition where the liver cells have been damaged or if there is a bile flow obstruction

Liver disease can be caused by a variety of causes such as an excess consumption of alcohol, a viral or bacterial agent, or can be also drug induced.

Depending on the type and extent of liver disease, a person may be treated through a variety of medical means, but some conditions can be life threatening as a person cannot survive without a functioning liver.

Finding life Insurance with liver disease

Finding life insurance for people with liver disease will vary from person to person and depends on the application criteria used by the various life insurers.

Many insurers will not issue a policy and will decline an application for some individuals who have a more serious form of liver disease when it appears that the person’s life expectancy will be significantly reduced.

Those who do qualify for a traditional policy will find that some insurers are more lenient in how they rate a person while other companies can be much more rigid in how they assess a person and the premium charged for a policy.

Those individuals with life threatening forms of liver disease may have to obtain other types of policies such as a Guarantee Issue life insurance policy, Critical Illness policy or Graded Death policy. These policies should be scrutinized carefully as they can also vary significantly from insurer to insurer.