ALT AST elevation refers to abnormally high levels of alanine aminotransferase (ALT) and aspartate aminotransferase (AST), two liver enzymes commonly measured in blood tests. Elevated ALT and AST often indicate liver cell injury or inflammation, which may result from viral hepatitis, alcohol use, fatty liver disease, certain medications, or more serious hepatic conditions. The pattern and degree of elevation, along with other labs such as GGT, alkaline phosphatase, and bilirubin, help physicians and underwriters distinguish between mild, transient issues and chronic or progressive disease. Significant or persistent ALT AST elevation is associated with increased mortality risk and therefore carries important implications for life and disability insurance underwriting.

Underwriters closely scrutinize ALT AST elevation on blood profiles obtained during underwriting exams. Mild elevations may lead to requests for physician records, hepatitis panels, or follow-up labs, while severe or longstanding abnormalities can result in heavy ratings or declines. When alcohol use, obesity, or medications are suspected contributors, underwriters look for evidence of diagnosis, treatment, and improvement. Advisors can support clients by obtaining recent lab results and physician explanations, especially if elevations have normalized with lifestyle changes or therapy. Understanding ALT AST elevation helps advisors explain why liver enzymes matter, prepare clients for potential underwriting delays, and encourage proactive management of liver health to improve both outcomes and insurability.