Hi, everybody, we have Alan back for the first time in a while and he is chatting to us about fatty liver disease. The options for life insurance, critical illness cover and income protection can vary quite a bit, depending upon the cause of the fatty liver and the stage that it is at. The good news is that the liver has a brilliant capacity to heal itself, so there can often be options for insurance.

Alcohol consumption will be a key factor in the options for your clients. Where the fatty liver disease is caused by alcohol consumption, it’s very likely that mainstream providers in the UK will not offer insurance if the person is still drinking. You can develop a fatty liver for different reasons and in these cases you don’t necessarily have to be teetotal, but underwriters will be cautious if alcohol is still had regularly or at a higher level.

The key takeaways:

• It is estimated that at least 1 in 5 people have fatty liver disease and that 31 people pass each day in the UK, due to liver disease
• The questions you need to ask clients to be able to do underwriting research
• Two case studies of arranging life insurance for people with fatty liver disease

Thank you for listening, it’s nice to be getting back to normal with the podcast and other areas. I am not completely sure what I am going to cover in the next episode, I shall see what takes my fancy in the next two weeks!

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