How Does Alcohol Affect The Life Insurance Exam?
When you apply for life insurance, a brief paramed exam will be done. This includes a small blood draw. One of the readings that will be evaluated are the liver enzymes; GGT, ALT and AST. Since alcohol is processed in the liver, an elevated GGT enzyme could be an indicator of heavy alcohol use or liver injury.
Another reading the insurance company will look at is Carbohydrate-Deficient Transferrein (CDT). Unlike like the GGT test, the CDT is more sensitive and is a maker of recent heavy alcohol consumption. CDT can detect how many alcohol drinks have been consumed within the past two weeks or so. Some estimates say, if you consume 4 or more alcohol drinks a day for 14 days or more, then the numbers will be elevated.
If you have a few drinks on the weekend or even have a drink after work, you should pass the life insurance medical exam. You should refrain from any alcohol leading up to the exam. However, if you do consume an excessive number of alcoholic beverages on a consistent basis, you may want to hold off on your exam until you liver enzymes will be at normal levels.
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