How can I qualify for life insurance with a fatty liver?

font-illustration-letter-q_MJMrdDjdI just found out that I don’t even qualify for insurance due to my fatty liver, which may be alcohol related. So what can I do? I can’t get rid of a fatty liver, even if it’s because of my diet or my meds. And it’s really important to me to leave money for my family. What are three things I can do to qualify for life insurance?

font-illustration-letter-a_z1zZ_wsOA fatty liver is a very common condition, and in some people may be a sign of serious liver disease. That is why underwriters look at it seriously. I have seen candidates greatly improve their health so that the diagnosis of a fatty liver is basically not a factor in underwriting. There are a number of things you can do to greatly enhance your insurability.

Important note: Be sure to consult with your doctor so that you can have the proper monitoring and control functions in place.

  • First of all, stop drinking alcohol. That is looked at very negatively for people with a liver condition.
  • Secondly, lose weight. The liver is often adversely affected by excess body weight. Consult with your doctor regarding your ideal weight.
  • Lastly, get a physical. Make sure you have the whole picture regarding your health and do not have to focus on any other medical concerns.

By the way – you still may qualify for coverage with a more lenient carrier.

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View my answers to previous questions on this blog and on Quora.

Over my decades in the business, I’ve been asked all kinds of questions about life insurance.

You name it – on issues ranging from application strategy to the risk profile of drug running to the insurability of AIDS to the philosophy of insurance itself – I’ve been asked it, by clients and by curious consumers.

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