November 16, 2020

Liver image

Would a fatty liver affect arranging life insurance?

Our client

We were recently approached by a 48-year-old lady who was hoping to arrange a life insurance policy. She wanted to provide her family with a lump sum if she were to pass away before reaching her retirement age of 67.

After some discussion, we recommended that she took out a policy with sum assured of £100,000 on a level term basis.  The monthly premium quoted was £17.24 but was subject to underwriting.

Diagnosis of having a fatty liver

During the application process, she told us that she had been diagnosed as having fatty cysts on her liver.  Whilst she was technically slightly overweight, she was not obese and didn’t drink much alcohol.

Her GP had carried out various tests, including blood tests and she had been told that her readings were slightly abnormal.  However, she was re-tested about 4 months later and the readings had returned to normal, and no treatment or follow ups were recommended.

Our process and advice

At Future Proof, we have access to specialist insurance companies who don’t deal directly with the public. These companies offer more specialised policies, designed to provide cover where other major providers can’t.

Our research process involves us contacting many insurers to find out the best possible outcome for our clients. Which avoids any nasty shocks later on during the underwriting process.

Would the insurer add a ‘loading’ to their standard premium? (this is an additional sum charged on top of their standard monthly premium to reflect their additional risk). Or, exclude a condition?

Might they decline the application? We want to avoid wasting time by making applications which may be declined.

Underwriting feedback

The insurer understandably wanted a GP report in order to make a decision, and once her information had been received and assessed, they issued an offer of terms with a 50% ‘loading’.  Therefore her monthly premium had been increased to £26.11.

A happy ending:

We felt that this was a fairly harsh decision by the insurer and decided to make another application to a different provider, who also wrote to our client’s GP. Our client did have a fatty liver although her readings were now normal. Once the medical report had been assessed they issued their offer on ‘standard terms’ (no increase to the quoted premium). The client was obviously very happy as the premium offered was £17.70 per month.

We have up to date knowledge of the ever-changing landscape of underwriting for all providers in the UK. We are committed to thorough research so that you don’t have to. What’s more, our advice comes with no obligation or hidden costs.  You don’t pay us directly but we do get paid by the insurer if you decide to start a policy with them.

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.


This clearly illustrates that different insurers can take a very different approach to underwriting, and the potential savings you could make by using an expert adviser really can make a big difference.

In this case, rather than taking the first offer, we have helped our client save £1,917.48 over the full term of the policy, and of course, we have helped her write the policy into a Trust.

All our case studies are based on actual client scenarios, many of which pre-date 2020.  We are confident that the acceptance decision made by the insurers would still be offered. Although it is likely that the rates will have changed, your own circumstances will determine whether what amount will be payable by you and would be fully discussed with you before any plan is implemented.

Trusts are not regulated by the Financial Conduct Authority.

Next steps

Whilst you are welcome to get a quote online, we would recommend you speak to one of our advisers.

Any quote that your adviser provides you with will take into account your circumstances and medical history, as well as your budget!

An online quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof

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Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer from a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

Links to third-party websites exist for information only, and we accept no responsibility or liability for the information contained on any such sites.
The existence of a link to another website does not imply or express
endorsement of its provider, products or services by us or St. James’s Place.