人壽保險測試酒精嗎？
人壽保險測試酒精嗎？
 Long term alcohol usage can cause cirrhosis of the liver, which will also cause liver function test elevations. This would most likely have a significant impact on your premium at best and would cause you to be declined for life insurance at worst. The casual use of alcohol can also have a direct impact on your life insurance in several ways. Alcohol consumption in the hours prior to a blood test will often cause some liver enzyme elevations. These small elevations could make the difference between rating categories causing you to pay a higher premium than you would have otherwise. In some cases it is also possible that a small elevation could cause you to be declined for life insurance. Consider a person who had a DUI conviction twenty years ago. On it's own, this might not have any impact on a current life insurance application. Likewise slight liver function test elevations may not be a major concern to the underwriter. However, in combination this may lead to the impression that there is a long term alcohol problem. This is one of the reasons that we always recommend that applicants abstain from alcohol consumption for at least 24 hours prior to their exam.
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