Best Life Insurance for People With Ulcerative Colitis in 2025 (10 Standout Companies)

Prudential, State Farm, and Northwestern Mutual are the best life insurance for people with ulcerative colitis. Prudential stands out for its affordable rates and flexible underwriting.

Rates start as low as $58 per month, depending on health and coverage needs. For more information, review this “Types of Life Insurance: Find the Right Policy for Your Needs” guide.

Our Top 10 Company Picks: Best Life Insurance for People With Ulcerative Colitis

These companies excel in offering competitive pricing and comprehensive policies tailored to individuals with ulcerative colitis, ensuring financial security without breaking the bank.

Getting affordable life insurance with a medical issue can be a challenge, but it’s not impossible. Use our free quote comparison tool to find the lowest rates.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

#1 – Prudential: Top Overall Pick

Pros

• Solid Coverage: Prudential offers strong term life insurance plans for people with ulcerative colitis, starting at $79 a month.
• Trusted Company: With an A+ rating from A.M. Best, Prudential is known for being safe and dependable for people with ulcerative colitis.
• Flexible Choices: They offer various policies to fit different health situations, including those of individuals with ulcerative colitis.

Cons

• Higher Costs: The $79 per month rate for ulcerative colitis is more expensive than some other companies charge. Look at this “Prudential Life Insurance Review” guide for details.
• Small Discounts: The 10% bundling discount might not save enough money for budget-conscious shoppers with ulcerative colitis.

#2 – State Farm: Best for Personalized Service

Pros

• Friendly, Personalized Service: State Farm is great at offering term life insurance plans made just for people with ulcerative colitis, starting at $74 per month.
• Big Savings with Bundles: You can save 17% by combining ulcerative colitis policy with other insurance plans. Check out this “State Farm Life Insurance Review” guide for more info.
• Local Agents Who Care: You’ll have easy access to helpful agents who understand your ulcerative colitis needs and can guide you through managing your coverage.

Cons

• Weaker Financial Backing: State Farm has a B rating from A.M. Best, lower than some other big-name insurance companies.
• Costs a Bit More: The starting price of $74 per month is high for those trying to stick to a tight budget for ulcerative colitis insurance.

#3 – Northwestern Mutual: Best for Financial Security

Pros

• Excellent Financial Strength: Northwestern Mutual has the highest A++ rating from A.M. Best, meaning it’s a trustworthy choice for people with ulcerative colitis.
• Solid Coverage Options: This company offers high-quality term life insurance for people with ulcerative colitis, with prices starting at $88 per month.
• Helpful Support: The company gives clear and caring help to guide people with ulcerative colitis conditions through the insurance process.

Cons

• Higher Prices: Term life insurance for ulcerative colitis starts at $88 per month, which is more expensive than many other options.
• Smaller Discounts: Their 12% discount for bundling policies for ulcerative colitis isn’t as good as other insurers. View this “Northwestern Mutual Life Insurance Review” guide.

#4 – Transamerica: Best for Affordable Policies

Pros

• Affordable Policies: Transamerica offers term life insurance at a reasonable rate of $65 per month, even for people with ulcerative colitis.
• Good Coverage Options: Policies can be customized to fit the health needs of people with ulcerative colitis. Review this “Transamerica Life Insurance Company Review” guide.
• Financially Reliable: Transamerica has a strong A+ rating from A.M. Best, so people with ulcerative colitis can trust their financial stability.

Cons

• Small Bundling Discount: Their 8% discount for bundling policies for individuals with ulcerative colitis isn’t as generous as some other companies.
• Less Flexibility: Policy terms for people with ulcerative colitis might not be as easy to adjust compared to other leading insurers.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

#5 – Mutual of Omaha: Best for Customer Satisfaction

Pros

• Happy Customers: Mutual of Omaha aims to provide a smooth experience for people with ulcerative colitis.
• Affordable Prices: Term policies for people with ulcerative colitis start at $69 per month. Learn more from this “Mutual of Omaha Life Insurance Review” guide.
• Reliable Provider: Earns an A+ rating from A.M. Best, showing individuals with ulcerative colitis they are financially strong.

Cons

• Mild Bundling Discount: A 10% discount for bundling isn’t particularly impressive compared to other companies bundling discounts for people with ulcerative colitis.
• Limited Online Tools: Online policy management isn’t as advanced as some competitors offer for ulcerative colitis patients.

#6 – AIG: Best for Policy Flexibility

Pros

• Flexible Policies: AIG offers life insurance policies that can be customized for people with ulcerative colitis, starting at $71 per month.
• Global Reach: They provide a variety of coverage options that work for people with ulcerative colitis needs.
• Accessible Entry Points: AIG offers lower coverage requirements for ulcerative colitis patients. Find more details in this “AIG Life Insurance Review” guide.

Cons

• Lower Bundling Discounts: The 5% bundling discount is one of the smallest available for people with ulcerative colitis.
• Moderate Financial Strength: An A rating is good but doesn’t match the top-tier competitors’ high-quality service for ulcerative colitis patients.

#7 – Lincoln Financial: Best for Financial Strength

Pros

• Financial Strength: Lincoln Financial has a strong A rating and offers dependable coverage for individuals with ulcerative colitis at $77 per month.
• Flexible Options: It provides both term and whole-life policies with options to customize features to fit the needs of individuals with ulcerative colitis.
• Streamlined Application: A simple process for people with ulcerative colitis with faster approvals due to easy underwriting.

Cons

• Higher Rates: Term policies begin at $77 per month, which may be higher than some competitors offering rates for people with ulcerative colitis.
• Modest Bundling Discount: Offers a limited 10% discount for people with ulcerative colitis when bundling policies. Check this “Global Life Insurance Review” guide for more info.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

#8 – AARP: Best for Senior Insurance

Pros

• Senior-Focused Plans: AARP offers policies specifically designed for older adults with ulcerative colitis, starting at $63 per month.
• Excellent Financial Ratings: They maintain a strong A++ A.M. Best rating for financial stability.
• Ease of Enrollment: The application process for people with ulcerative colitis is simple, and some policies do not require a medical exam.

Cons

• Limited Discounts: Only a 5% bundling discount is available for individuals with ulcerative colitis. View this “AARP Life Insurance Company Review” guide for more information.
• Higher Whole Policy Rates: Whole-life policies for people with ulcerative colitis cost $149 per month, which may be less competitive.

#9 – Protective Life: Best for Financial Stability

Pros

• Financial Stability: Protective Life has a strong A+ A.M. Best rating and offers reliable coverage for ulcerative colitis at $66 per month.
• Affordable Rates: They offer competitive term life policies for people with ulcerative colitis, often costing less than many other providers.
• Customizable Plans: The plans are flexible, allowing individuals with ulcerative colitis to choose options that best suit their

Cons

• Lower Bundling Discounts: The highest bundling discount for individuals with ulcerative colitis is 8%, which may not be as generous as other companies.
• Average Online Tools: The online tools for managing policies could be more user-friendly for ulcerative colitis patients. Find details in this “Protective Life Insurance Review” guide.

#10 – Banner Life: Best for Simple Policies

Pros

• Simple Policies: Banner Life offers easy-to-understand term life policies for people with ulcerative colitis at $58 per month.
• Competitive Rates: They provide one of the most budget-friendly term policy options for people with ulcerative colitis.
• Secure Coverage: Backed by an A+ rating from A.M. Best, it gives a reliable policy for ulcerative colitis patients.

Cons

• Fewer Discounts: Only provides a 7% bundling discount for people with ulcerative colitis. Look for more info on this “Banner Life Insurance Company Review” guide.
• Limited Whole Life Options: Offers fewer whole life insurance choices for individuals with ulcerative colitis than some competitors.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Insurance Companies Consider Various Factors When Insuring Individuals With Ulcerative Colitis

Buying life insurance with pre-existing conditions calls for a distinct set of questions. Since every health ailment poses a unique risk to the insurance carrier, there are questions the underwriter follows to determine your eligibility for coverage and the rates you can qualify for.

Ulcerative Colitis Life Insurance Monthly Rates by Provider & Coverage Level

The questions you may be asked could make you feel like you’re getting health insurance for ulcerative colitis instead of life insurance. Rest assured that your insurance agent simply wants to get as much information as possible so they can accurately determine your risk level. View this “Life Insurance Underwriting Test” guide for more information.

The Type of Inflammatory Bowel Disease Present

There are two main types of ulcerative colitis the underwriter is looking at: chronic ulcerative colitis and chronic proctitis. Chronic proctitis refers to there being inflammation only in your rectum.

This is a milder form of the disease when compared to inflammation of the entire colon. Underwriters may also look at whether only your left side or your entire colon is impacted by your ulcerative colitis.

Life Insurance Discounts From the Top Providers for People With Ulcerative Colitis

The type and the number of episodes you have had, or currently have, will play a significant role in determining your eligibility or the rates you can qualify for.

Hospitalization Experience for Ulcerative Colitis

In extreme cases, medication may fail, leading to major surgery to remove part or all of the colon. This involves lifelong use of a bag for waste collection and significantly increases insurance risk.

However, not all hospitalizations involve surgery. Brief hospital stays may follow colonoscopies or severe symptoms like persistent diarrhea and stomach pain, which typically have less impact on insurance rates than surgery.

Complications

If you take corticosteroids, it can cause bone problems. Most notably, people who are on these medications long-term are at risk of osteoporosis, which makes fractures more common, and children who take these medications are at risk of delayed puberty.

Some people who have severe ulcerative colitis are at risk of potentially fatal complications such as bowel cancer or toxic megacolon, a condition where gases get trapped inside the colon and can cause it to rupture. Insurers will take these risks into account when determining your life insurance rate.

The Underwriting Process for Individuals With Ulcerative Colitis

Life insurance companies all have their own process for setting rates. However, there are five factors that they generally consider.

• Your general and family health history: One of the biggest determinants of your life insurance rate. If you suffer from other serious diseases in addition to ulcerative colitis or if you have a family history of cancer, heart disease, or diabetes, you’ll probably pay more.
• People in high-risk occupations: Pay more because they risk their lives regularly on the job. Police officers and firefighters are examples of high-risk occupations, as are jobs such as being a stunt double for the movies or being a fighter pilot.
• Engaging in high-risk habits: Smoking is the most common high-risk habit. If you smoke, you’ll almost always pay more for life insurance because smoking is associated with heart disease, serious respiratory ailments, and cancer. You’ll also pay more for life insurance if you have a poor driving record, especially a history of DUIs or reckless driving, or if you have a history of drug abuse.
• High-risk hobbies: Skydiving or bungee jumping can also impact your insurance rates, as these hobbies put you at risk of serious injuries or death.
• Military status: Active-duty military personnel usually pay higher rates because of the risks associated with being stationed in a combat zone — even if they aren’t on combat duty. Veterans often come home with physical or mental health issues that make them a greater insurance risk.

Demographics such as your current age, your gender, and your marital status are important considerations because these factors can affect your longevity regardless of whether you have ulcerative colitis. Review  “The Life Insurance Underwriting Process” guide for more details.

Life Insurance Medical Exams & Ulcerative Colitis

Insurance companies often skip medical exams, but with ulcerative colitis, they’re usually required. Unless opting for guaranteed issue no-exam coverage, insurers assess the severity of your condition and any complications that could raise your risk.

Average Sample Rates for Life Insurance With Ulcerative Colitis

Some people may qualify for standard insurance rates, but in most cases, you’ll have to pay a substandard rate of between 25 percent and 175 percent greater than the standard rate.

Discover the difference between term and whole life insurance at the link below — so you can make the best choice for your family and needs. After all, what you know about life insurance can help you. #nationalinsuranceawarenessday

— Prudential (@Prudential) June 28, 2022

In other words, if the standard rate were $100/month, you might have to pay anywhere between $125 and $275 per month for life insurance if you have ulcerative colitis.

Types of Life Insurance You Can Get If You Have Ulcerative Colitis

If you have ulcerative colitis, you still may qualify for several types of life insurance. Many insurers consider your condition when assessing eligibility, but with proper management and treatment, you can secure coverage.

• Term Life Insurance: It’s a temporary policy lasting 10–30 years, often cheaper than permanent options. Those with conditions like ulcerative colitis may face higher rates. If it expires without conversion to whole life, no benefits are paid. Conversion options are typically more affordable than starting with whole life insurance.
• Whole Life Insurance: Whole life insurance offers lifetime coverage and builds cash value, providing funds for emergencies or inheritance. Guaranteed issue policies, available for those over 50 without medical exams, can be an option for individuals with severe ulcerative colitis.
• Universal Life Insurance: Universal life insurance, like whole life, is permanent and builds cash value. It offers flexible payments, allowing you to adjust premiums as needed. Its advantage lies in higher-yield investments, which can grow cash value more quickly, though they come with risks of potential losses.
• Critical Illness Insurance: It provides accelerated death benefits if you’re diagnosed with a major illness, helping cover medical costs or bills while you recover and can’t work.

Some critical illness insurance covers only specific illnesses, while others cover major illnesses broadly. Ulcerative colitis isn’t specifically covered, but non-specific critical illness policies may provide benefits if hospitalized due to the condition. View this “How does life insurance work?” guide for more details.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Ulcerative Colitis and Rate Class Eligibility

Every life insurance company has its own life insurance underwriting guidelines they follow to classify a client’s risk. See this “Life Insurance Risk Class Explained” guide, for more details.

However, there are four major life insurance risk classes most underwriters use to determine rates. These classifications help assess the level of risk associated with an individual’s health, lifestyle, and personal circumstances.

• Preferred Plus :The highest rate class offers better-than-average rates and is typically reserved for those with no significant health issues. However, if you’ve managed ulcerative colitis for over 10 years, are symptom-free for five years, and have been medication-free for that period, you may qualify for this class.
• Preferred: For people who have one or two indicators of poor health, such as obesity or high blood pressure, but are generally in good health. Again, this is not likely to apply to most people with ulcerative colitis.
• Standard: The rate class for individuals in average health, with some risk factors like family history of cancer, high blood pressure, or high cholesterol. Surprisingly, even if you’ve had major surgery, such as colon removal with no complications, you may still qualify for this rate class.
• Sub-standard: The rate class assigned to people who represent higher risks to the insurance company and thus must pay higher-than-average rates. Most people with ulcerative colitis fall into this category.

If diagnosed over two years ago with no serious complications, you’ll pay slightly above average. Those with multiple severe episodes, especially if hospitalized, will face much higher rates. A family history of colon cancer also places you at a higher substandard rate due to the increased risk.

How to Get the Best Life Insurance Rates With Ulcerative Colitis

If you have ulcerative colitis, the best way to improve your life insurance rates is to go to your doctor as required and follow all their advice. The better your general health is, the better your rate is likely to be, too.

If you smoke, quitting can go a long way toward lowering your insurance rates. Do some research ahead of time. It’s usually cheaper to buy the right type of life insurance with the correct amount of coverage for your needs than to adjust your life insurance plan after you’ve already bought it.

Finally, make sure you comparison shop. Life insurance rates differ from company to company, so get multiple quotes from different companies before making a final decision. For added information, view this “Best Life Insurance Companies That Won’t Increase Rates” guide.

Ulcerative Colitis and its Impact on Life Insurance Eligibility

The most common reason a life insurance company may decline your application is a recent diagnosis. If you’ve been diagnosed within the last six months, insurers often require more data before providing coverage. You can reapply once sufficient time has passed.

If you’re hesitant to wait or have been declined for coverage, you have two options. If you’re over 50, you may qualify for guaranteed issue whole life insurance, which doesn’t require a medical exam and guarantees approval. While it may be more expensive than term life insurance, it’s a practical solution if term life is not an option.

For those under 50, group life insurance through your employer is often available as a workplace benefit. While it’s tied to your employment, it’s usually portable, meaning you can take it with you if you change jobs. In some cases, you can also convert it to an individual policy upon retirement.

Case Studies: Life Insurance With Ulcerative Colitis

Exploring real-life stories gives us a deeper understanding of how leading insurers meet the specific needs of individuals with ulcerative colitis. For more information, view this “10 Best Life Insurance Companies” guide.

• Case Study #1—John’s Experience with Prudential: John has managed ulcerative colitis for years. He chose Prudential because its flexible underwriting considered his medical history, ensuring competitive premiums that met his needs.
• Case Study #2—Sarah’s Journey with State Farm: Sarah really appreciated how State Farm took the time to understand her pre-existing conditions. Their personalized plan made it much simpler for her to find an affordable policy with the coverage she needed for her ulcerative colitis.
• Case Study #3—Mike’s Northwestern Mutual Solution: Mike chose Northwestern Mutual because he appreciated its flexible plans and trusted its strong financial stability. Their personalized coverage solves his medical history.

These case studies illustrate how Prudential, State Farm, and Northwestern Mutual offer tailored, affordable, and comprehensive coverage for individuals with ulcerative colitis. If you want to explore your life insurance options, enter your ZIP code in our free tool to get started.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption