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woman with liver outlined for Quotacy blog Your Liver Can Affect Your Life Insurance Rates

How Liver Health Affects Life Insurance Rates

October 19, 2020
Our goal is to educate and advise on life insurance options, so you can feel confident in making the right choice, whether that’s through Quotacy or somewhere else. To ensure we provide accurate and trustworthy information, our writers follow strict editorial standards.

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.


  1. Nigel Airey


    I have some scarring of the liver from cirrhosis however I have not drank alcohol for 4 years and my consultants have all said I’ve recovered well and need no further care. Do you know of any UK companies like yourselves who can help me with life insurance?

    • Natasha Cornelius

      Hello, Nigel! We are a U.S. company and unfortunately can’t help you purchase a policy, as you need to be on U.S. soil to do so. However, I recommend you do an internet search for “life insurance broker”. A broker has the ability to shop multiple insurance companies which will increase your odds of finding coverage. Good luck!


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