I was rejected for additional life insurance in 1997 due to a high GGT test. I was concerned, and my Gastroenteroligist did a complete GI evaluation including chemical analysis, ERCP in April 1997 and Liver biopsy in November 1997. All results were negative for liver disease. My doctor did not believe any other tests were warranted at that time.
In 2004, I applied again for additional life insurance and was rejected for the same reason. My GGT was 254. All other blood results were in normal range (including other liver function tests (AST 23 and ALT 41)), except for LDL of 161 and total cholesterol of 262. Ratio of 3.7 was in normal range. Based on the 1997 testing, my internist does not recommend further testing.
I understand that elevated GGT could indicate: Bile duct scarring, fatty liver, alcholic liver disease, imflammation from medicines or herbs, liver tumors, gallstones or gallbladder problems.
I am a 50 year old male in good overall health. I am not overweight, Height- 68 inches, weight 145 pounds. I only drink occasional wine or beer (average once a week), and have never been a heavy drinker. I exercise regularly. I do not take medicines or herbs on a regular basis. To my knowledge, I have not had a problem with gallstones, my gallbladder, liver tumors, or bile duct. A rectal exam with a recent physical was normal. I have never had Hepatitus C.
I also understand that high GGT readings can occur for no particular reason. However, since my high readings are consistent, is that likely. I believe that over an 8 year period, if something were wrong it would have shown up by now.
I am going to appeal to the insurance company and would like to know if you recommend doing additional testing at this point. Does the insurance company have a legitimate concern? They did not know the history when they rejected me, but will be provided that information now.