We know it can be frustrating searching for a life insurance policy with a history of Liver Disease.
Don’t fret. We can help!
In fact, tough life insurance cases are our specialty at
High Risk Life Insurance Agency.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Liver Disease? And if so…
2. How much will it cost?
However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.
Best Case Scenario – Best case for Liver Disease is Hepatitis A that is a reversible bacterial infection that has a very good chance of cure. With prompt and proper management there may be no liver damage at all. These cases may get a “Standard” rating. Click here for a quote at “Standard.”
Moderate Case – Those that may qualify for a “Mild Substandard” or “Medium Substandard” rating are chronic cases of Hepatitis B or C only. Most of these cases are asymptomatic (present no symptoms). Although there is no cure, the disease process may be slowed down with the right lifestyle management like no alcohol use, healthy diet composed of less fats and more vegetables and fruits. Delaying the progression of the liver damage may qualify for a “Mild Substandard” or “Medium Substandard” rating. Click here for a quote at “Mild Substandard” or “Medium Substandard.”
Severe Case – Severe cases of Liver Disease are those that have poor liver function tests, CT-scan of liver shows moderate to severe liver damage and presents severe symptoms of jaundice or RUQ pain. With severe symptoms and complications, the best approval you may obtain is at a “Severe Substandard” rating or worse a decline. In case of Hepatic failure, it will automatically be a decline. Click here for a quote at “Severe Substandard.”
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:
1. How many years since you were diagnosed with Liver Disease?
It is important to establish the number of years in Liver Disease because most cases except Hepatitis A are non-curable and irreversible. The longer the disease process, the higher the possibility of liver damage or Hepatic failure.
2. If it is a case of Hepatitis, do you know that type you have?
Only types A, B and C can be rated. Chronic Hepatitis B and C with good liver function tests may qualify for a “Mild Substandard” rating. For those with increased levels of ALT and AST (liver enzymes), but not twice as normal may qualify for “Medium Substandard” or “Severe Substandard” rating.
3. Are you following the prescribed diet and recommended lifestyle changes for Liver Disease?
Following a healthy diet with low fat and avoidance of alcohol may slow down the disease progression and may earn you a “Medium Substandard” rating.
4. Have you had any liver function tests in the past six months?
A recent liver function test or blood AST or ALT will show your actual health condition and may help with the appropriate rating class.
5. Are you taking any maintenance medications?
It is important to note the use of medications because they may present a high risk of worsening the Liver Disease.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Liver Disease
Liver Disease is a condition characterized by acute or chronic damage to the liver cells. There are various causes of Liver Disease, but they all present the same pattern of prognosis such as cell damage, obstructive disorders or mixed conditions.
Common causes of Liver damage include alcohol abuse, viral or bacterial infection, drug-induced or sexually transmitted hepatitis and bile flow obstruction.
Common symptoms of Liver damage include yellowish discoloration (jaundice) of the sclera of the eyes and skin, itchiness, right upper quadrant (RUQ) abdominal pain, generalized fatigue, abdominal distention and increased liver function tests.
Related Keywords: liver disease, hepatic disease, hepatitis, hepatitis B, hepatitis C