February 20, 2018


Would Non-alcoholic fatty liver disease affect arranging life insurance?

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

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Case Study

We were approached by our 25 year old client looking for life and critical illness cover to protect his mortgage. Five years ago he was diagnosed  with ‘Non-alcoholic fatty liver disease’.

More about Non-alcoholic fatty liver disease

Non-alcoholic fatty liver disease (NAFLD) is the term for a range of conditions caused by a build-up of fat in the liver. It’s usually seen in people who are overweight or obese.

A healthy liver should contain little or no fat. It’s estimated that up to 1 in every 3 people in the UK has early stages of NAFLD where there are small amounts of fat in their liver. (Source NHS Choices 19/11/2018)

Early-stage NAFLD doesn’t usually cause any harm, but it can lead to serious liver damage, including cirrhosis, if it gets worse. Having high levels of fat in your liver is also associated with an increased risk of problems such as diabetes, heart attacks and strokes.

If detected and managed at an early stage, it’s possible to stop NAFLD getting worse and reduce the amount of fat in your liver.

Our process

When a client has a pre-existing condition, or has suffered a serious illness in the past, the first thing we do is pick up the phone. We speak to Underwriters at many of the UK’s leading Insurance companies. Discussing all of our client’s medical history helps us to identify the best company to apply to. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By completing our research thoroughly, we avoid wasting time and obtain the best terms possible for our clients.

We contacted a range of insurers and most of them would either decline the application for critical illness cover, or apply a large increase to the premium for life cover owing to the increased risk of problems associated with NAFLD.

During our research we came across 2 insurers who were willing to offer life and critical illness cover. Subject to seeing a GP report the insurer said they would look to offer cover with a 50 percent increase on top of the basic quoted premium

What is a ‘loading’?

A loading may be applied to an offer an insurer issues after completing their underwriting (this may include them writing to the GP for a detailed medical report). The purpose of a loading is to reflect the additional risk the insurer assesses they may be taking on (compared to someone who makes no medical declarations).

In this case a loading of 50% was applied to the quoted premium due to a number of liver function readings being higher than normal.

Interested in related stories?

Next steps

Whilst you are welcome to get a quote on-line we would recommend you talk to one of our advisers.

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

An on-line 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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Read more about Liver health here:

British Liver Trust

NHS Choices

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

Do you suffer with 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.

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