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When you apply for life insurance, you may need to get a medical exam. (This exam is free and the examiner comes to you at a time that is convenient.) Life insurance underwriters review the exam results to get an idea of how healthy you are.

This exam includes a blood test. Part of testing the blood is conducting a liver panel. A liver panel (a.k.a. a liver function test) is most often used to:

  • Help diagnose liver diseases, such as hepatitis
  • Monitor treatment of liver disease
  • Check how badly a liver has been damaged or scarred by disease, such as cirrhosis
  • Monitor side effects of certain medicines

Elevated liver enzymes and poor liver function can be a sign of serious medical issues and therefore will affect how much you pay for life insurance. The higher your mortality risk, the higher your life insurance premiums. In severe cases, you may be declined for life insurance.

Even if you have unhealthy habits, it’s not too late to make some changes to improve your health and lock in affordable life insurance rates. Some of the most common reasons behind liver disease are obesity, alcohol abuse, and hepatitis B and C. So, in many cases, liver disease is preventable.

We have in-depth articles about how alcohol use affects your life insurance rates here:

What You Need to Know About Alcohol Abuse and Life Insurance

Life Insurance and Alcohol Use: Buyer’s Guide

If you’re unsure about how your specific alcohol use may be affecting your liver, and therefore your life insurance rates, those articles shed light.

We also have an in-depth article about how hepatitis affects your life insurance rates here:

Life Insurance and Hepatitis: Buyer’s Guide

In that article we discuss the differences between hepatitis A, B, and C and how they can affect your liver, and therefore your life insurance rates.

See what you’d pay for life insurance

Comparison shop prices on custom coverage amounts from the nation’s top carriers with Quotacy.

When you’re ready to apply for life insurance, Quotacy is here to help you through the buying process.

Start by running term life insurance quotes anonymously. This means you can compare life insurance rates instantly without giving away any contact information.

Next, apply online in just a few minutes. Your application is then assigned to a dedicated Quotacy agent who is there to keep you updated every step of the way.

If your liver isn’t in ideal shape, working with Quotacy is ideal. Here’s why: Quotacy has contracts with multiple life insurance companies and can shop across the market to find you the best rate.

Not all life insurance companies underwrite elevated liver enzymes in the same way. Some are stricter than others. We’ll shop your individual case and make sure you’re matched with the company that will offer you the best policy option.

Life insurance shields the ones you love from financial heartache. Quotacy is here to help you protect them.

About the writer

Headshot of Natasha Cornelius, a life insurance writer, for Quotacy, Inc.

Natasha Cornelius, CLU

Senior Editor and Licensed Life Insurance Expert

Natasha Cornelius, CLU, is a writer, editor, and life insurance researcher for Quotacy.com where her goal is to make life insurance more transparent and easier to understand. She has been in the life insurance industry since 2010 and has been writing about life insurance since 2014. Natasha earned her Chartered Life Underwriter designation in 2022. She is also co-host of Quotacy’s YouTube series. Connect with her on LinkedIn.