Life Insurance Advisors elevated liver enzymes life insurance

If you have elevated liver enzymes, we can help you get the term life insurance, universal life insurance or whole life insurance you need.

If you are like most people, you probably just found out that you have elevated liver enzymes and the only reason why you found out you have elevated liver enzymes is because you just took a paramed exam for life insurance.....Sound familiar???

Elevated Liver Enzymes derail many life insurance cases, and most of the time, the elevated liver enzymes do not represent a liver problem, but rather a temporary elevation of liver enzymes.

The good news is that if you have just received a decline for life insurance, or a life insurance underwriting offer that is more expensive than anticipated, we know how to help you.

We are the impaired risk life insurance experts when it comes to elevated liver enzymes, we know how to elevated liver enzymes problems with life insurance underwriters, we know the questions to ask you about your health history, and we know the steps to take if you have elevated liver enzymes and need term life insurance.

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.

When it comes to your liver, term life insurance companies are very cautious and take a conservative approach.

If you have elevated liver enzymes, you will need to prove to life insurance underwriters that you don't have a significant health issue....otherwise you will be declined or pay much more than necessary for term life insurance.

Hepatitis - is a serious inflamation of your liver, and can lead to cirrhosis of your liver.

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.

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.

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.

Sickness - If you are sick or just had an illness, postpone your paramed exam. Sickness is known to elevate liver enzymes.

Alcohol - 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.

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.

GGTP - Gamma Glutamyl Transferase - Also known as GGT test. GGTP levels greater than 65 U/L are considered to be significant.

SGOT - Serum Glutamic Oxaloacetic Transferase - Also known as AST. SGOT levels greater than 45 U/L are considered to be elevated.

SGPT - Serum Glutamic Pyruvic Transferase - Also known as ALT. SGPT levels greater than 45 U/L are considered elevated.

From a term life insurance underwriting standpoint, we encounter elevated liver enzymes all the time.

In most cases, the elevation was temporary and once resolved, we are able to obtain term life insurance at competitive rates.

For some other cases, if there is a health issue that is causing the elevated liver enzymes, we are able to help obtain life insurance from a number of impaired risk life insurance companies in many cases.

There is never any obligation or pressure with our term life insurance service. We'll give you the information you need in order to make an informed decision about your life insurance.

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 impaired risk life insurance companies that will be able 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..

If you have multiple health issues to discuss, you only need to submit one request, we will go over other underwriting questions with you when we speak.

Whether you currently have a health issue or had one in the past and you're not sure if it will cost you more for your life insurance, we can help you.

We know the life insurance companies, we understand impaired risk life insurance underwriting, and know how to get you the most competitive life insurance rates available if you have less than perfect health.

If you would rather discuss your life insurance needs, please submit our Contact Request or call us at: Toll Free (800) 909-2040. Thank you.

If You have health issues, it is important that we know about those health issues in order to provide you with the most accurate term life insurance quotes possible. You will find more information here about health issues such as:


		Elevated Liver Enzymes Life Insurance


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