Cirrhosis

Cirrhosis is a condition in which the liver does not function properly due to long term damage. It is a serious condition where healthy tissue in the liver is destroyed and replaced by scar tissue, which starts to block the flow of blood through your liver.  Cirrhosis progresses slowly, over many years and gradually causing your liver to stop functioning. This is called liver failure. The damage caused by cirrhosis is permanent so cannot be reversed.  Chronic alcoholism and hepatitis C are the most common causes.

What information should my client provide?

Your customer should complete General medical disclosure fast-track questionnaire. 

Facts:

Around 10% of heavy drinkers go onto develop cirrhosis, which is the third stage of alcoholic liver disease

Source: www.hse.ie

Likely Underwriting Acceptance:

	Life Cover	Specified Illness Cover	Income Protection
Stable for 5 years – no history of complications, no severe impairment of liver function.	150% to 300% upwards	Decline	Decline

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.