Life Insurance after having Elevated Liver Enzymes: 

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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 an underwriting offer that is higher 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 address the problem 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 life insurance.  Let us help you get the life insurance you need.

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So, What's the big deal about elevated liver enzymes??

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, 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 life insurance.

Health Problems Associated with Elevated Liver Enzymes

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.

Alcohol Abuse - Elevated Liver Enzymes may be an indicator of alcohol abuse.

Biliary Obstructions - Gallstones, cancer, cholangitis

The above 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 life insurance.  We can help you.

What Else 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 a period of hours.  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. 

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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, 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:

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 life insurance underwriting standpoint, we encounter elevated liver enzymes on a regular basis.  In most cases, the elevation was temporary and once resolved, we are able to obtain 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.

Take the time to complete our Life Insurance Quote Request (new window will open giving you secure environment to submit info)

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

How We Help You get 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.

What we do upfront is 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 companies, we wil contact you to discuss the underwriting feedback and what to expect from underwriting in terms of price, etc..

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

If you have other health issues to discuss, take a look at our health issues section or submit a Life Insurance Quote Request now in order to get a customized quote.  If there are multiple health issues to discuss, you only need to submit one request, we will go over other questions with you when we speak.

Whether you 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.

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