If you are looking for life insurance with Crohn’s disease, we’re here to help you get the policy you need. We fully understand the life insurance underwriting procedure and also represent 50+ companies from which to choose. We have considerable experience with diseases such as Crohn’s and can help you determine which life insurance company will be right for you, based on your personal needs.
Insurance underwriting guidelines relating to Crohn’s Disease can be challenging, but that does not necessarily mean an applicant cannot get coverage. There are also others insurance carriers that don’t offer life insurance for Crohn’s disease.
What is Crohn’s Disease
According to the Mayo Clinic, Crohn’s disease is an inflammatory bowel disease (IBD). It causes inflammation of the lining of your digestive tract, which can lead to abdominal pain, severe diarrhea, fatigue, weight loss, and malnutrition. Inflammation caused by Crohn’s disease can involve different areas of the digestive tract in different people.
The inflammation caused by Crohn’s disease often spreads deep into the layers of affected bowel tissue. Crohn’s disease can be both painful and debilitating and sometimes may lead to life-threatening complications. While there’s no known cure for Crohn’s disease, therapies can greatly reduce its signs and symptoms, and can even bring about long-term remission. With treatment, many people with Crohn’s disease are able to function well.
Basic Guidelines for Life Insurance with Crohn’s Disease
One of the main issues with insurance carriers is the higher death rate of patients with Crohn’s disease. However, they understand that Crohn’s disease affects every person differently.
The insurance company will determine your health class rating (which is one factor that determines your monthly premium) by the severity of your illness. Here are a few key facts you must know about getting life insurance with Crohn’s disease:
- If you’ve been diagnosed with Crohn’s disease in the past six months, your application will be postponed until you have been treated for at least six months to one year. The term postponed means that you will be asked to “wait and come back,” or “try again later.” This gives the insurer more time to judge how well you will respond to your treatment.
- Premiums are usually better for people diagnosed at older ages. This is especially true, for instance, if you were diagnosed at age 45 or older.
- The insurance company will want to see your medical records. The underwriters will want to review your medical history to determine the severity of your illness.
What the Underwriter Will Ask
- When did your doctor diagnose you?
- What medications are you taking?
- Is your weight stable?
- Has your doctor recommended surgery?
- When was the last flare-up episode?
- What testing and treatment have you gone through?
- Have you ever been hospitalized due to your condition?
- Are you a tobacco user?
- Do you have any other health issues?