Getting Life Insurance with Crohn’s Disease
Quick Navigation:
- Crohn’s Disease Life Insurance Underwriting
- Medical Treatment Only – No Surgery
- Surgical History – No Recurrence
- Surgical History with Recurrence
Crohn’s Overview
How do you get life insurance if you have Crohn’s disease?
Crohn’s disease is an inflammatory bowel disease, characterized by chronic inflammation.
It typically affects the intestines, but may also involve the entire gastrointestinal tract from the mouth to the rectum.
While there is no known cure for Crohn’s, successful treatment allows life insurers to offer coverage.
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Crohn’s Disease Life Insurance Underwriting
Underwriters are concerned about:
- The extent of gastrointestinal involvement
- Complications from surgery
- Obstructions, perforations, abscesses & fistulas
- The increased risk of colorectal cancer.
Underwriting of digestive diseases is complicated but coverage is available for most people with Crohn’s.
Medical Treatment Only – No Surgery
If you were just diagnosed with Crohn’s, most life insurers will postpone underwriting for 6 months or longer.
After the postpone period, underwriting is based on the severity and treatment received.
As more time passes since your last flare-up, underwriting rates tend to improve.
Stable Symptoms and Time Since Last Flare-up
- 0 – 6 months – Postpone, with rare exceptions
- 6 – 12 months – Standard rates plus 50 – 150%
- 12 – 36 months – Standard rates plus 50 – 100% added.
- 36 – 60 months – Standard rates plus 50%, or better.
- Greater than 60 months – Standard rates may be possible.
Most people with Crohn’s will receive a table rated policy, expressed in percentages below.
Slight variations in test results, elevated liver functions, remission periods, etc. will affect the final ratings received.
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Surgical History – No Recurrence
It’s estimated that 70% of people with Crohn’s will need surgery at some point in their life.
Underwriters review the type of surgery, time since surgery, current symptoms, and other factors in determining your rate.
Stable Symptoms and Time Since Surgery
- 0 – 12 months – Postpone for most cases
- 12 – 24 months – Standard rates plus 50 – 150%
- 24 – 36 months – Standard rates plus 50 – 100%
- 36 – 60 months – Standard rates plus 50%.
- Greater than 60 months – Standard rates or better
Underwriting concerns include lack of stability with weight, elevated liver functions, and other Crohn’s related symptoms.
Minor cramping and diarrhea are okay from an underwriting standpoint.
Surgical History with Recurrence
It’s estimated that 60% of people who’ve had surgery for Crohn’s will have a recurrence within 10 years of surgery.
Stable Symptoms and Time Since Recurrence
- 0 – 12 months – Postpone
- 12 – 24 months – Standard rates plus 50 – 150%
- 24 – 36 months – Standard rates plus 50 – 100%
- 36 – 60 months – Standard rates plus 50%
- Greater than 60 months – Standard rates may be possible.
The difference for people who’ve had a recurrence is that you will end up at the higher end of the rating range.
If daily oral steroids are used, underwriting may add an additional 25% to the above ratings.
Evidence of dysplasia on biopsies, or sclerosing cholangitis or pericholangitis will result in a decline.
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Crohn’s Conclusion:
We help people find life insurance when they have health issues such as Crohn’s, ulcerative colitis, hepatitis, and many other types of GI problems.
Our quick quote process gives you underwriting feedback from companies in days, not weeks like others.
You receive the underwriting feedback from each company has and you’ll know what to expect in terms of price before you apply.
There is never any obligation or pressure with our service.
Take a few minutes to submit your request today. Thank you.
P.S.
Here’s a great video from Children’s Hospital of Philadelphia (CHOP) about their Pediatric Inflammatory Bowel Disease Center.
We’re sharing this for many reasons, including that friends of ours are featured in this video.
