Fatty Liver Disease Life Insurance [2025]

Q: Is fatty liver disease considered a pre-existing medical condition?

Yes, fatty liver disease is considered a pre-existing medical condition by insurers . This means when applying for a life insurance policy, you’ll need to inform your insurer of your diagnosis and provide any required medical information. Having a pre-existing medical condition may not mean life insurance is unattainable, it may just increase how much your premiums are, depending on the type, severity and manageability of your condition. Whilst fatty liver disease in its early stages isn’t considered critical , it can lead on to more serious conditions such as diabetes , heart attacks , strokes and hepatitis . It’s vital to be honest with your insurer when applying for cover and fully disclose all information surrounding your condition, as if you miss information or lie then loved ones could face not receiving a pay out due to non-disclosure . Being open and honest will also ensure that you are securing the right policy for you that suits your needs and circumstances.

Q: What will I be asked in the application?

When applying for a policy you will be asked a series of questions for the insurer to determine the cost of your life insurance and eligibility. Your insurer may ask in depth questions surrounding your medical condition to gain a greater understanding of your fatty liver disease and the level of severity. These questions may include: When were you diagnosed? Is it non-alcohol fatty liver disease or alcoholic fatty liver disease ? What is the severity of your condition (have you experienced many complications)? Have you had any liver function tests? Are you having any treatments / medication for your condition? You may also be questioned on similar topics, including if you’re regularly exercising or if you have a family history of liver disease or related conditions. For example, if your fatty liver disease is alcoholic related you may be asked more in depth questions on your alcohol consumption.

Home
Life insurance
Medical conditions
Fatty liver disease life insurance

Can I secure life insurance with fatty liver disease?

Yes, it could be possible to secure life insurance if you have non-alcoholic fatty liver disease (NAFLD) or alcoholic related fatty liver disease (ARLD).

There isn't a specific life insurance policy designed exclusively for individuals with fatty liver disease; ‘fatty liver disease life insurance’ simply refers to cover taken out by someone who has this condition.

The cost of your premiums and likelihood of securing a policy will depend on the severity of your condition when you apply for life insurance.

If your fatty liver disease is manageable and an early diagnosis, you may have no issues securing a policy. Although different insurers have different terms, emphasising the importance of comparing quotes from a variety of insurers before settling.

Reassured offer personalised, fee-free life insurance quotes from a variety of leading UK insurers as well as smaller specialists, ensuring you secure the right policy for you.

Why not get in touch with one of our friendly professionals today?

Secure Life Insurance Quotes »

Life insurance with fatty liver disease key points:

Up to 1 in every 3 people in the UK have early stages of NAFLD^[1]
Fatty liver disease is the build-up of excess fat in the liver cells that occurs due to obesity and diabetes, potentially leading to liver damage if untreated
If insurers see you’re proactively making healthier lifestyle choices and controlling your condition, you may be able to secure protection
Insurers will typically require medical information when you apply for most policies
Each insurer will have different criteria with medical conditions, like fatty liver disease, so it’s important to explore the market for multiple quotes

Does fatty liver disease affect my life insurance?

Yes, fatty liver disease can affect your life insurance by potentially increasing premiums or impacting eligibility of securing cover. Your level of risk will be assessed by the insurer using a variety of factors, including medical history.

The severity and management of your fatty liver disease will also be taken into consideration; if you are actively having treatment and perusing a healthier lifestyle/seen to be a well-managed case, then this may have less of an impact on your cover.

Insurers will also consider the risk of other associated medical conditions that are linked to fatty liver disease, such as hepatitis or diabetes and if you’re awaiting any surgery or treatments for your condition.

If you have alcohol related fatty liver disease, you may also be asked more in depth questions surrounding your alcohol consumption.

Other factors that may affect your life insurance are:

BMI
Age
Health & wellbeing
Whether you are a smoker
Occupation & hobbies

Find Life Cover Quotes with Fatty Liver Disease »

What policy options are available?

There are many types of life insurance. The best option for you will be down to your personal circumstances.

Whilst having a medical condition, such as fatty liver disease, may affect premium costs and your eligibility, it’s important to explore your options and what policy is best to cover your needs. The most popular types of life insurance are:

Over 50s life insurance

A policy that offers guaranteed acceptance to UK residents aged 50 - 85 and a guaranteed payout up to £20,000 after the initial 12 - 24 month waiting period (depending on insurer).

Some plans require you to pay monthly premiums until the age of 90. Others may require you to pay until you pass away. No medical questions are asked, therefore fatty liver disease won’t affect the costs of premiums.

Level term life insurance

A policy that offers a fixed pay out sum with a cover amount up to £1,000,000, making it possible to cover larger costs, like an interest-only mortgage.

The policy can last between 2 - 40 years and medical questions will be asked in the application.

Decreasing term life insurance

A policy where the pay out sum decreases over the term of your policy, offering a cover amount up to £1,000,000, making it a good option for those looking to cover a repayment mortgage.

The policy can last between 2 - 40 years and medical questions will be asked in the application.

Whole of life insurance

A policy that offers long term cover (for the rest of your life) with a lump sum that pays out when you pass away, not if, of up to £1,000,000 and fixed monthly premiums.

Whilst this option supplies a higher payout amount than an over 50s plan, it can be more expensive as medical history is factored in by insurers and you’ll need to pay premiums for the rest of your life.

Reassured can compare life insurance quotes for the listed policies and more, why not get in touch today?

Life insurance calculator

Calculate how much life insurance you may need by filling in the costs you’d like your policy to cover.

£ -

Your total cover estimate

£ 0

Let us find you our best quote.

Compare Quotes »

Why use Reassured to compare fatty liver disease life insurance quotes?

Reassured offer assistance from our specialist impaired risk team to help find some form of cover for those who are worried about being declined or have previously been declined
Reassured can compare quotes from top UK insurers & smaller specialists (through our advised team)
All quotes through Reassured are personalised, fee-free and with no-obligation
We offer a free trust writing service with most of our policies to help you avoid or minimise 40% inheritance tax
We’re rated as ‘Excellent’ on Trustpilot with over 80,000 customer reviews
We’re FCA (Financial Conduct Authority) regulated

Is fatty liver disease considered a pre-existing medical condition?

Yes, fatty liver disease is considered a pre-existing medical condition by insurers. This means when applying for a life insurance policy, you’ll need to inform your insurer of your diagnosis and provide any required medical information.

Having a pre-existing medical condition may not mean life insurance is unattainable, it may just increase how much your premiums are, depending on the type, severity and manageability of your condition.

Whilst fatty liver disease in its early stages isn’t considered critical, it can lead on to more serious conditions such as diabetes, heart attacks, strokes and hepatitis.

It’s vital to be honest with your insurer when applying for cover and fully disclose all information surrounding your condition, as if you miss information or lie then loved ones could face not receiving a pay out due to non-disclosure.

Being open and honest will also ensure that you are securing the right policy for you that suits your needs and circumstances.

If applying for an over 50s life insurance policy, then you won’t need to disclose any information about your fatty liver disease or any other medical conditions as no medical questions are asked in the application.

What will I be asked in the application?

When applying for a policy you will be asked a series of questions for the insurer to determine the cost of your life insurance and eligibility.

Your insurer may ask in depth questions surrounding your medical condition to gain a greater understanding of your fatty liver disease and the level of severity.

These questions may include:

When were you diagnosed?
Is it non-alcohol fatty liver disease or alcoholic fatty liver disease?
What is the severity of your condition (have you experienced many complications)?
Have you had any liver function tests?
Are you having any treatments / medication for your condition?

You may also be questioned on similar topics, including if you’re regularly exercising or if you have a family history of liver disease or related conditions. For example, if your fatty liver disease is alcoholic related you may be asked more in depth questions on your alcohol consumption.

Fatty liver disease life insurance FAQs:

Why do I need life insurance with fatty liver disease?

Life insurance can help safeguard your loved one’s futures and offer you the peace of mind that your finances will be covered.

A pay out can help cover costs such as:

Mortgage/ rent payments
Funeral costs
Household bills
Childcare costs
Any outstanding debts

Having life insurance can relieve stress for loved ones if the worst were to happen to you.

Will I need to do a medical exam with fatty liver disease?

Yes, it’s likely that the insurer will ask you to undergo a medical exam. This may include checking vital signs, conducting blood and urine tests or in some cases liver function tests.

If your condition is stable and you haven’t undergone any medical investigations, then you may not need to do a medical exam.

The purpose of these exams is for insurers to evaluate your overall health and assess the level of risk involved to insure you.

Insurers may ask to be provided with medical information from your GP. Please note, they won’t be able to access this information without your permission and they must have your consent.

However, if you don’t provide the required information, you may risk your application not being complete as insurers will need this information to underwrite your policy.

Can I get income protection with fatty liver disease?

Yes, you may still be able to secure income protection insurance with fatty liver disease, although your policy premiums may be more expensive depending on the severity of your condition.

Income protection is a type of policy which could cover up to 70% of your monthly income if you ever needed to stop working for a period of time due to an illness or injury.

It’s likely fatty liver disease and any related conditions will be excluded from your cover so you won’t be able to claim for these reasons.

Reassured offer a UK whole of market comparison service for income protection to ensure we find you our best deal.

Can I get critical illness cover with fatty liver disease?

Yes, you may be able to secure critical illness cover with fatty liver disease.

Although terms may differ depending on the severity of your condition and exclude certain critical illnesses linked to fatty liver disease (although this will be down to the insurer).

Critical illness cover is a type of policy that, for an additional cost, can be added to your life cover to help cover living costs if you were to ever be diagnosed with a critical illness (that’s specified within your policy terms).

Please note, fatty liver disease isn’t listed as a critical illness but does associate with some which may be excluded from your plan.

Reassured offers the option to include critical illness coverage for an additional cost to your life insurance policy.

Compare life insurance quotes with fatty liver disease

Obtaining life insurance with fatty liver disease can seem challenging due to the risk it may pose to insurers. However, this may not mean that securing an affordable policy isn’t possible.

By being transparent with your insurer and exploring the market from big UK insurers to smaller specialists, you may be able to secure the right policy for you.

Reassured’s friendly call handlers can source multiple fee free quotes with no obligation, offering a stress-free experience.

Despite potential obstacles, individuals living with fatty liver disease may be able to secure a suitable life insurance policy.

Why not get in touch today to explore what options are available to you and begin your life insurance journey with Reassured?

Compare Fatty Liver Disease Life Insurance »