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Gastrointestinal Problems Overview
If you have an Inflammatory Bowel Disease (IBD) such as Crohn’s or Ulcerative Colitis, underwriting may be complicated.
The type of digestive disease or gastrointestinal disorder that you have affects high-risk life insurance underwriting.
But the good news is that there are insurance companies that specialize in these medical conditions.
Life insurers look at:
- The type of digestive tract condition you have
- Time since diagnosis
- Treatment received
- Current health
- Overall health history
Other GI issues such as Irritable Bowel Syndrome (IBS), the impact on life insurance underwriting is minimal if at all.
GI Underwriting Questions
In order to provide you with accurate quotes, we’ll need to know the following about your medical history:
- What type of health issue do you have?
- When were you diagnosed?
- What type of treatment did you receive?
- When did your treatment begin and end?
- Were you cured or do you require ongoing treatment?
- What medications do you take?
- Do you have recurring symptoms? If yes, what are they?
- Have you been declined for life insurance?
- If yes, by which company?
Life insurance underwriters want to know if you have other high-risk health conditions.
Heart disease, cancer or family history of parents or siblings having any of these conditions could impact your rate.
As a side note, the American College of Gastroenterology has a great website that classifies GI problems by severity.
Which Companies are Best for GI Issues?
The best life insurance companies will depend on the GI issue you have.
We work with life insurers that specialize in GI problems.
When we review your health history, we use a quick quote process.
This allows us to get underwriting feedback in about 3 days from companies.
We’ll provide you with the no-obligation, pressure-free quotes to show you which insurance carriers will be best for you.
We can then discuss things such as the type of life insurance to get, fully underwritten vs. no exam life insurance, etc.
Previously Rated or Denied Due to GI problems
It doesn’t matter if you’ve been table rated or denied life insurance in the past due to gastrointestinal problems.
Most of our clients find us after they were rated or declined for life insurance.
For most people, you may have simply applied to the wrong company the first time.
We’ll make sure you get to the right life insurance company with us!
We’ll work together to understand your health history.
We shop for competitive offers from the best companies that specialize in GI underwriting.
Underwriting has become a little more complicated with coronavirus, but we still have companies available.
Please take a few minutes to complete your No Pressure, No Obligation life insurance quote request today.
Michael Horbal is the founder and owner of RiskQuoter.com and a licensed life insurance agent who has helped thousands with affordable protection for families and businesses.