The primary questions to be asked of a proposed insured that presents with this history are:
- How long has the proposed insured had elevated liver functions?...or is it a new finding?
- Was the elevated testing done by their doctor or insurance exam labs?
- How elevated are the tests? 1X normal?...2X normal?... more than 3X?
- Has there been a positive alcohol marker test?...if so, what is the drinking history?
- Has there been testing done for hepatitis?... ultrasound?.... biopsy?
- Is there a known cause of the elevations?...has a doctor reviewed the elevated labs?
The goal in underwriting abnormal liver tests is to determine the underlying cause and rate the case for that issue. Many of the conditions listed above can be quite serious. The level of the amount above normal will have a definite role in the final offer or quote. The underwriter will consider the degree of elevation, the clinical history, and the current physical findings.
We do have several carriers that are more aggressive than others and will allow slight increases, even in the Preferred Best type categories. If you are interested in an application, please contact us.