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Fatty Liver Disease Life Insurance

Fatty liver life insurance can provide you with peace of mind by ensuring that your family is financially protected should anything happen to you.

Non-alcoholic fatty liver disease (NAFLD) is, as the name suggests, a build-up of fat in the liver that is not caused by alcohol consumption. In its earlier stages, it can be largely symptomless, doesn’t pose an imminent risk, and is reversible. This also means, however, that it can be easily overlooked and left to develop into the more severe later stages.

According to statistics from British Liver Trust, an estimated 1 in 3 people have non-alcoholic fatty liver at an early stage, and it will develop into a more serious later stage in approximately 20% of those people.

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YES – life insurance policies are based on your health at the time you take out the cover. It will therefore include any pre-existing medical conditions such as fatty liver disease.

This also means that life insurance coverage is cheaper the earlier you take it out, as you’ll be younger and potentially in better health than later in life.

If you pass away from fatty liver disease, or a condition linked to it, then your life cover policy will pay out a lump sum to make sure your family are cared for.

Does critical illness cover payout for Fatty Liver Disease?

Each insurance provider will have a list of health conditions that they consider to be serious enough to warrant a payout on critical illness cover. The early stages of fatty liver disease are not considered to be critical and do not usually trigger a payment on this type of cover.

However, in its later stages or if left unchecked, fatty liver can cause more serious illnesses like liver failure and liver cancer, which may trigger a payment on critical illness cover.

Critical illness cover is designed to pay out for serious medical conditions such as:

Some of the main reasons people take out critical illness cover are to pay for things such as:

  • Loss of income
  • Treatment and medications
  • Pay bills and outgoings

Will income protection pay out for Fatty Liver Disease?

YES – income protection policies usually pay out if your GP signs you off work for 4 weeks or more.

If you take out income protection and then get diagnosed with fatty liver, most of these types of policies will pay you for a period of 12 or 24 months depending on your cover. While you are unable to work because of fatty liver disease you will receive a benefit every month until you are fit to return to work.

Much like other types of cover, income protection is based on your health at the time you take out the cover, so if you’ve already got NAFLD then the policy can have exclusions depending on the severity of your condition. It’s best to speak to a specialist as they will be able to get the best cover for you.

Income protection can be used to pay for:

  • Mortgage and rent payments
  • Bills and outgoings
  • School fees
  • Medical treatment

Can I get life insurance with Fatty Liver Disease?

YES – given how severe this condition can get, it’s not surprising that some people assume fatty liver life insurance is either not available, too expensive, or won’t pay out.

Our team of experts has decades’ worth of experience and so they know that this is not the case and cover is available with the right insurance companies.

Will I need a medical to get Fatty Liver Disease life insurance?

It is common for insurance providers to require further evidence so that they can properly set up your fatty liver life insurance policy. This is completely normal and will be handled by your adviser.

The two main types of medical evidence requests are:

  • GP report
  • Nurse screening

How much is life insurance with Fatty Liver Disease?

If you suffer from NAFLD and need life insurance, critical illness cover, or income protection, then you will need to provide your insurer with some details about the severity of your condition. Insurance underwriters will assess your application for Non-Alcoholic Fatty Liver Disease Life Insurance based on the following:

  • The age you were first diagnosed with Fatty Liver Disease
  • The underlying cause of your condition (such as obesity)
  • Severity and frequency of symptoms
  • Any scarring or Cirrhosis
  • Any treatment or medications

Your premiums for fatty liver life insurance will also depend on:

  • Sum assured (£s)
  • Term of cover (years)
  • Age
  • Health

Medical conditions linked to Fatty Liver Disease

There are several conditions known to be linked to non-alcoholic fatty liver disease, and the following can all increase your risk of developing it:

Common questions about Fatty Liver Disease

Here are a few of the most common questions about Fatty Liver Disease and living with the condition.

What is the fastest way to cure a fatty liver?It’s always best to get advice/treatment from a medical professional as they will be able to determine what’s best for you. Some healthy lifestyle changes are known to reduce the condition, such as:

Lose any excess weight
Exercise and get active
Reduce your sugar intake
Reduce your cholesterol intake
Consider a diet plan
Other foods such as coffee and omega-3 supplements may help
What are the stages of NAFLD?Non-alcoholic fatty liver disease has 4 stages:

1. Simple fatty liver (steatosis) – this is mostly harmless, and fat begins to build up in the liver
2. NASH (non-alcohol related steatohepatitis) – starts to get more serious and causes liver inflammation
3. Fibrosis – a result of persistent inflammation whereby scar tissue develops around the liver and nearby blood vessels. The liver is still able to function
4. Cirrhosis – this final stage results from years of inflammation, the liver is scarred and lumpy and can even shrink. This liver damage is permanent and can cause liver failure and liver cancer
Is fatty liver a pre existing condition?YES – if you already have a fatty liver then it will most likely be considered a pre-existing condition when you apply for life insurance, critical illness cover, or income protection.

Useful resources

Here are a few useful links for people living with Fatty Liver Disease or looking for more information about it:

NHS Choices – Non-Alcoholic Fatty Liver Disease

British Liver Trust – Charity

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