Fatty liver (hepatic steatosis) is the accumulation of fat in liver cells, commonly linked to obesity, insulin resistance, alcohol use, or certain medications. It ranges from simple steatosis to steatohepatitis and fibrosis. Underwriters review liver enzymes, imaging, and alcohol history to gauge severity. Lifestyle improvement and stabilized labs can materially improve insurability compared to progressive disease.

Advisors gather liver panels, imaging, weight-loss progress, and alcohol history to present a stabilized picture. They may postpone until enzymes normalize. Clear physician notes and improved BMI can move offers from decline to table or standard classes for clients with previously uncontrolled fatty liver.