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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.

It’s important to take care of your liver. The Liver Foundation shares 13 ways to achieve liver wellness:

  1. Maintain a healthy weight
  2. Eat a balanced diet
  3. Exercise regularly
  4. Avoid direct contact with toxins (i.e. harsh cleaning products, insecticides)
  5. Use alcohol responsibly
  6. Avoid use of illicit drugs
  7. Avoid contaminated needles
  8. Get medical care if you come into contact with someone else’s blood
  9. Don’t share personal hygiene items (i.e. nail clippers, razors, toothbrushes)
  10. Practice safe sex
  11. Wash your hands
  12. Follow directions on all medications
  13. Get vaccinated for hepatitis A and B

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.

If your liver isn’t in ideal shape, working with Quotacy is ideal.

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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

Marketing Content Manager

Natasha is a writer and content editor at Quotacy. She is also co-host of Quotacy’s YouTube series. She can't get enough of life insurance and outside of work is also working toward her Chartered Life Underwriter designation. Connect with her on LinkedIn.