Life Insurance for Elevated Liver Enzymes
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we specialize in helping clients with elevated liver enzymes secure the right life insurance coverage. With access to over 100 top-rated carriers and decades of underwriting expertise, we know which companies are most likely to approve your application and how to present your medical information for the most favorable outcome.
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Life Insurance with Elevated Liver Enzymes
If you’ve been told you have elevated liver enzymes, it doesn’t mean you’re uninsurable. At Diversified Insurance Brokers, we specialize in helping clients with complex medical conditions find affordable coverage tailored to their needs.
Speak with an expert who understands high-risk life insurance cases.
How Elevated Liver Enzymes Affect Life Insurance
- Severity of Elevation: Mild, temporary elevations are treated differently than chronic or high elevations.
- Underlying Cause: Carriers will consider whether the elevation is related to alcohol use, hepatitis, fatty liver disease, medications, or another condition.
- Stability: Consistent lab results and follow-up testing can improve approval chances.
- Related Health Factors: Other liver-related issues or medical conditions will also impact underwriting.
Who This Coverage Is Best For
- Applicants with mild or temporary enzyme elevation.
- Those with a known cause that’s been treated or resolved.
- Applicants with stable follow-up labs.
- Individuals previously declined due to liver test results.
What Improves Approval Chances
- Clear documentation from your physician about the cause and prognosis.
- Normal follow-up liver function tests.
- Proof of treatment compliance if an underlying condition is present.
Typical Outcomes We See
- Mild, resolved cases: Possible standard or preferred rates.
- Moderate elevations: May result in slightly substandard ratings.
- Severe or ongoing elevations: May require a guaranteed issue or graded death benefit policy.
Why Work With Diversified Insurance Brokers
- Access to 100+ carriers: We match you with insurers most flexible on liver enzyme cases.
- Expert underwriting strategies: We present your health profile to carriers in the best possible way.
- Confidential process: Your personal details remain private.
Example Case
A 48-year-old man with elevated ALT and AST due to fatty liver disease brought under control through diet and exercise was approved for a $200,000 20-year term policy at a standard rate after being declined elsewhere.
Life Insurance with Elevated Liver Enzymes
If you’ve been told you have elevated liver enzymes, it doesn’t mean you’re uninsurable. At Diversified Insurance Brokers, we specialize in helping clients with complex medical conditions find affordable coverage tailored to their needs.
Speak with an expert who understands high-risk life insurance cases.
FAQs: Life Insurance for Elevated Liver Enzymes
What does “elevated liver enzymes” mean for life insurance?
Elevated liver enzymes mean certain liver function tests are higher than normal. Insurers see this as a sign of possible liver stress or injury and will assess its cause and how well it’s managed.
Can I still qualify if I have elevated liver enzymes?
Yes—many applicants with elevated liver enzymes can qualify, especially if newer tests show improvements and there are no underlying serious conditions like hepatitis or cirrhosis.
What underlying factors do insurers investigate?
They’ll check what’s causing the elevation—alcohol use, fatty liver, medications, possible viral hepatitis, or metabolic causes. They also look at how elevated the levels are and whether other liver markers or imaging are normal.
What testing or documentation helps my case?
Recent liver function panels, ultrasound or imaging if done, confirmation of treatment or lifestyle changes (diet, weight loss, alcohol reduction), any specialist reports, and evidence that the levels are stable or improving.
What are possible rating or pricing outcomes?
Mild and temporary elevations may get standard or slightly rated offers. More severe or persistent elevations, or signs of liver damage, may lead to higher rates or more restrictive underwriting. In some cases, limited or graded benefits might apply.
What steps can I take to improve my offer?
Reduce alcohol use, maintain a healthy weight, treat any underlying condition (e.g., fatty liver, viral hepatitis), get follow-up testing to show improvement, avoid or modify medications that stress the liver, and apply through a broker who knows which carriers are more flexible with elevated liver markers.
Diversified Insurance Brokers specializes in helping high-risk applicants secure coverage, even after serious health conditions.
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About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
