Getting Life Insurance with Crohn’s Disease. We show you how.
How do you get life insurance if you have Crohn’s disease?
Crohn’s disease is an inflammatory bowel disease, characterized by chronic inflammation.
And while there is no known cure for Crohn’s, successful treatment allows life insurers to offer coverage.
Companies that specialize in high-risk life insurance are the best option to start with.
Underwriters are concerned about:
While the underwriting of digestive diseases is complicated, coverage is available for most people with Crohn’s.
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.
Stable Symptoms and Time Since Last Flare-up
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.
It’s estimated that 70% of people with Crohn’s will need surgery at some point in their life.
Stable Symptoms and Time Since Surgery
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.
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
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.
We can help you find affordable life insurance.
Our quick quote process gives you underwriting feedback from companies in days, not weeks like others.
You receive the underwriting feedback from each company,
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We take our responsibility seriously and will do whatever we can to make sure you end up with the best life insurance company based on your unique life insurance needs and situation.