Have you been declined for life insurance because of Crohn’s disease? We might have an answer for you.
We have the ability to get someone life insurance with Crohn’s disease of any kind. Whether you’re looking for temporary or permanent coverage, we have it.
Crohn’s disease affects a lot of Americans, and searching for life insurance only becomes more difficult with Crohn’s, just as it does with other issues such as searching for life insurance with Kidney disease, life insurance with COPD, or other issues non health related such as seeking life insurance while smoking marijuana, or high risk occupational issues.
We understand that searching for any type of life insurance coverage can be a daunting task to say the least. This is why we are here to help you find that coverage you deserve whether that be a traditional policy, a no medical exam policy, a guaranteed issue life insurance policy or a million dollar life insurance policy.
Read on to find out what our process is.
Approval For Life Insurance With Crohn’s Disease
Unfortunately, not every life insurance company is willing to offer coverage for someone with Crohn’s disease. But luckily, we know the companies who will. Depending on how long ago you were diagnosed, and the severity, we have the ability to get you what you’re looking for.
Getting approved for life insurance with Crohn’s disease will not be as easy as most other commonly underwritten forms of life insurance. There are plenty of questions the carrier will want to ask. They’ll also want to classify you into one of the following categories.
History with Single Episode
Otherwise known as a mild case, if your history of Crohn’s disease is just a diagnosis or even a one-time occurrence since then, you’ll be considered among the least risky categories for those applying for life insurance with Crohn’s.
Time is on your side here! The more time which has passed since your flare up, the better. Some companies won’t even allow you to apply if it’s been in the past 180 days. But the longer ago it happened, the better chance you’ll have of a successful approval.
Moderate History of Crohn’s Disease
If you haven’t had surgery yet, but you suffer from the many symptoms of Crohn’s disease, you might be considered a mild to moderate consideration. If you’ve had persistent diarrhea, pain in your upper or lower abdominals, or even slight bleeding, this will put you in this category.
If you’re able to qualify for life insurance with a moderate history, you’ll likely be expected to pay a higher premium. Premium increase can be anywhere from 50% to nearly double the rates of a standard issue policy.
High Severity of Crohn’s Disease
If your situation is even more evolved than the moderate category, and you have already had experiences with hospitalization, surgery or chronic use of medications like steroids, you’ll fall into this category.
It is still possible to get life insurance with a severe case of Crohn’s disease, but it is much more difficult; and much more expensive.
You can be declined with a severe history, so do not get your hopes up too quickly. But, in some cases, we can get you a heavily rated policy or even resort to a graded benefit policy if nothing else will pass.
What We’ll Need From You
There are a few things we’ll need from you up front in order to get you the best fit carrier for your individual situation. Here are a couple:
- When was your diagnosis?
- How many flare ups have you had since then?
- How much time has passed since your last flare up?
- Do you suffer from any related conditions?
- What types of medications are you taking?
- Have you been hospitalized or had surgery?
These types of questions will aid us in narrowing down how severe your Crohn’s has gotten, and also what kind of a time table we’re dealing with. We will also need your age, as depending on how old you are, you may be an increased risk to the insurer.
What You Can Expect From Us
We are independent and specialized life insurance agents, trained to help with the more impaired risks of life insurance underwriting. We are not only knowledgeable in helping you through the underwriting process, but we are professionals at adapting to your situation.
Because we are independent, we can match the carrier which best suits your needs when considering both acceptance of life insurance, as well as finding the most affordable rates. We do the work for you.
Contact us today to see what kind of coverage we can get for you.
More On Crohn’s Disease And Life Insurance
So you might be wondering why an underwriter is concerned with Crohn’s disease in the first place. Admittedly, not all conditions are a threat on your life, and shouldn’t be a major cause of concern. But there are certain aspects with Crohn’s disease which affects the underwriting process.
According to the Mayo Clinic,
The inflammation caused by Crohn’s disease often spreads deep into the layers of affected bowel tissue. Like ulcerative colitis, another common IBD, Crohn’s disease can be both painful and debilitating, and sometimes may lead to life-threatening complications.
Some people are able to go about their normal lives and can cope with a few symptoms as a result of Crohn’s disease. But others are not so fortunate. Because there is no full cure for Crohn’s, treatments only aid in keeping symptoms at bay as best as possible.
Life insurance with Crohn’s disease mainly becomes a concern not only because of direct symptoms, but also because Crohn’s can lead to other things throughout your digestive tract which have long term health impacts. Here are some examples:
- Increased risk for Colon Cancer
- Malnutrition due to Obstruction
These, in addition to Crohn’s, can become life threatening. Again, this may not be the result for everyone, but the underwriters on your particular case can only make a judgement on the information they are provided.
Much research is being conducted, yet there are few pieces of hard evidence which support the curation of the condition. Some very peculiar tests have been conducted from using hookworms to marijuana as treatment to Crohn’s.
Because every persons situation is unique, and at different levels of complexity, studies have yet to yield any major breakthroughs in years.
Until then, underwriting for life insurance with Crohn’s disease is going to remain consistent, and will not change unless there is irrefutable evidence is does not affect the life expectancy of someone with the condition.