Can You Get Life Insurance with a Fatty Liver?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Understanding Life Insurance Eligibility with Fatty Liver

Fatty Liver and Life Insurance Eligibility

Having a fatty liver condition does not automatically disqualify you from getting life insurance. The key factors include:

  1. Medical Assessment: It’s essential that a doctor has examined the condition.
  2. Ruling Out Complications: If the doctor has confirmed no major complications or related conditions, this is a positive sign.
  3. Underwriting Considerations: Insurers will look into any underlying causes of fatty liver.

How Fatty Liver Affects Life Insurance Applications

Underwriters’ Perspective

  • Medical History Review: Underwriters will assess your overall health, including the fatty liver condition.
  • Underlying Causes: They will investigate causes like alcohol use, obesity, or metabolic syndromes.
  • Risk Assessment: The severity and management of the condition affect risk evaluation.

Steps to Improve Life Insurance Eligibility

  1. Regular Check-ups: Ensure ongoing medical supervision of your fatty liver condition.
  2. Lifestyle Changes: Adopt a healthier lifestyle to manage or improve the condition.
  3. Documentation: Provide detailed medical records to underwriters.

What to Expect When Applying for Life Insurance

  • Health Questions: Be prepared to answer in-depth questions about your health and lifestyle.
  • Possible Higher Premiums: Depending on the condition’s severity, you might face higher premiums.
  • Policy Options: Different insurers may offer varying terms; shop around for the best fit.

Fatty Liver and Life Insurance Factors

FactorImpact on Life Insurance
Severity of ConditionHigher severity can increase premiums
Doctor’s AssessmentPositive assessment can lead to standard rates
Underlying CausesCauses like alcohol abuse may negatively impact rates
Lifestyle and ManagementHealthy lifestyle choices can lower premiums
Medical History & RecordsComprehensive records aid in better assessment


Having a fatty liver condition doesn’t automatically prevent you from obtaining life insurance. With proper medical assessment and management, many individuals with this condition can qualify for life insurance, possibly at standard rates. It’s important to provide thorough medical documentation and consider lifestyle changes to improve your eligibility and potentially lower your premiums.

Remember, each case is unique, and underwriting decisions vary by insurer. Contact us today for a free quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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