We specialize in high-risk life insurance, helping you find the best life insurance companies and rates available no matter what type of gastrointestinal (GI) problem you have.
GI Problems Life Insurance
You’ll find individual articles on many gastrointestinal issues, including:
How will GI problems affect life insurance?
The type of digestive disease or gastrointestinal disorder that you have affects life insurance underwriting.
If you have an Inflammatory Bowel Disease (IBD) such as Crohn’s or Ulcerative Colitis, underwriting is more complicated but there are insurance companies that specialize in these medical conditions.
Life insurers look at your overall health history, the type of digestive tract condition you have, time since diagnosis, treatment as well as your current health.
If you have other gastrointestinal issues such as Irritable Bowel Syndrome (IBS), the impact on life insurance underwriting is minimal if at all.
GI Underwriting Questions to Know
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 previously declined for life insurance? By what company?
Life insurance underwriters want to know if you have other high-risk health conditions such as heart disease, cancer or family history of parents or siblings having any of these conditions.
As a side note, the American College of Gastroenterology has a great website that classifies GI problems by severity. We found it helpful to some clients when trying to determine how severe their own condition would be classified for insurance underwriting purposes.
Which life insurance companies are best for GI issues?
The best life insurance companies will depend on the GI issue you have, the severity of the condition, treatment received and current health status.
We work with life insurers that specialize in GI problems. When we review your details, we use a quick quote process that allows us to reach out to 15+ companies for underwriting feedback (takes about 3 days).
Once we have that feedback, we provide you with the no-obligation, pressure-free quotes to show you which insurance carriers will be best for your specific medical history.
We can then discuss things such as the type of life insurance to get, fully underwritten vs. no exam life insurance, etc.
Can I get life insurance if I was previously rated or denied due to GI problems?
It doesn’t matter if you’ve previously been table rated or denied life insurance due to gastrointestinal problems.
In fact, most of our clients find us after they were rated or declined with their prior agent.
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!
Gastrointestinal Life Insurance Conclusion
We’ll work together to understand your health history, shop for competitive offers from the best companies that specialize in GI underwriting, and we’ll help you determine how much life insurance to get to ensure you have what you need to protect your family.
Please take a few minutes to complete your No Pressure, No Obligation life insurance quote request today. Thank you.
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