Ulcerative Colitis Life Insurance – How to Get Approved

Affordable life insurance for ulcerative colitis (UC) is available, and our guide will help you understand how to get approved if you have been diagnosed with ulcerative colitis.

Ulcerative Colitis Overview

Ulcerative colitis is an inflammatory bowel disease (IBD) affecting approximately 1 million Americans.

With life insurance, it’s all about the severity of your UC.

That, coupled with the treatment and the time since your last flare-up, determines your life insurance rate.

This guide details what to expect from high-risk life insurance companies specializing in ulcerative colitis underwriting.

FAQ

You have questions about ulcerative colitis, we have the answers!

How Ulcerative Colitis Affects Life Insurance

Ulcerative colitis is classified as mild, moderate, or severe.

The extent of your inflammatory bowel disease (IBD) is a primary underwriting factor that life insurers consider.

The American College of Gastroenterology (ACG) has an activity index to determine IBD severity.

The underwriting concern for ulcerative colitis and Crohn’s disease is the increased risk of developing colon cancer.

Can I get life insurance if I have ulcerative colitis?

Yes, you can get life insurance if you have ulcerative colitis.

People with inflammatory bowel diseases such as UC can get life insurance in most cases.

Mild Ulcerative Colitis

If you have mild ulcerative colitis, you may wonder if you can get life insurance and at what price.

Most mild cases are similar to the following.

  • Adult-onset for most cases.
  • Mild inflammation is limited to the left side of the colon.
  • Infrequent flare-ups.
  • Intermittent rectal bleeding, intermittent diarrhea, and abdominal cramps.
  • Medications are limited to sulfasalazine, Mesalamine, Asacol, Rowasa enemas, Cort enemas, and over-the-counter drugs like Imodium.
  • Medical marijuana use.
  • Limited use of oral steroids during flare-ups.
  • There is no anemia history.
  • No skin, arthritis, or eye problems.
  • No history of hepatitis.
  • Good medical records and consistent follow-up.

Proctitis and proctosigmoiditis will follow the same life insurance underwriting as mild UC.

Moderate Ulcerative Colitis

Moderate ulcerative colitis follows the same symptoms as mild ulcerative colitis symptoms but may also include the following:

  • Mostly adult-onset.
  • Left-sided or pancolitis (entire colon).
  • More frequent flare-ups
  • Shorter duration of time between flare-ups.
  • More severe symptoms of bleeding, diarrhea, and abdominal pain.
  • Medications include Entyvio or injections with Humira.
  • Prednisone is used more frequently.
  • They may have had hospitalizations.
  • Anemia
  • Good medical records and follow-ups with physicians.

Severe Ulcerative Colitis

If you have a history of severe UC, having great follow-ups, current lab tests, and recent colonoscopies are critical to getting coverage.

Severe ulcerative colitis medical histories include the following:

  • Childhood-onset is common
  • Frequent episodes
  • Fever
  • Heavy bleeding
  • Hospitalization & surgical treatment.
  • Persistent symptoms after surgery.
  • Unfavorable colonoscopy results indicate dysplasia.
  • Weight loss greater than 10% of average body weight.
  • Continuous use of steroid-based medications.
  • Severe inflammation of the colon.
  • Significant Anemia

Other factors affecting underwriting include liver function test results if significantly elevated.

If your medical records indicate that term life, universal, and whole life policies are not available.

  • Fulminant ulcerative colitis
  • Sclerosing cholangitis
  • Pericholangitis.

Guaranteed issue life insurance is the only option available for the above.

Underwriting Questions

We need to know:

  • Ulcerative colitis diagnosis date
  • How many flare-ups of ulcerative colitis have you had in the past six months, twelve months, 24 months, and the past five years?
  • Have you been hospitalized for ulcerative colitis?
  • Do you take any medications for ulcerative colitis?
  • If yes, what do you take, and what dosage?
  • If you took steroids, please indicate the dates of use.
  • Have you had surgery, or has surgery been recommended?
  • Have you had any significant weight loss?
  • Colonoscopy dates and results.
  • If you’re part of a clinical trial, underwriting will look for any history of side effects, including any impact on your immune response or blood tests.

Denied Due to Ulcerative Colitis?

If you were denied life insurance due to ulcerative colitis, let us know what life insurer declined.

The most likely reason for the decline is applying to the wrong insurance company.

We’ll use the quick quote process to get you the best offer possible.

Once we have the underwriting feedback, we’ll show you the best life insurance companies available.

Which Company is Best?

The best life insurance company for you depends on your medical history.

Have you been rated or declined for life insurance?

Don’t get discouraged!

A prior negative experience was often due to working with the wrong life insurance company.

With our life insurance underwriting process, we get you to the right insurer the first time!

We use a quick quote process that takes 3-4 days to hear back from all companies specializing in UC.

With that being said, some of the best life insurance companies for ulcerative colitis have been:

  • AIG-American General
  • Banner Life
  • John Hancock
  • Prudential

Including the above, we shop at 15+ companies for every ulcerative colitis case.

We recommend convertible term life insurance for most cases.

Sometimes, a no-lapse guaranteed universal life insurance policy is the best option.

Some underwriting programs offer credits for a better rate when buying universal life insurance compared to buying a term life insurance policy.

It’s worth checking out, as the pricing may be similar.

Just Diagnosed? Most companies will postpone life insurance for 3-6 months after diagnosis.

Companies want to see follow-up physician visits and treatment indications starting to work.

Life insurance underwriting will require a paramedical exam and a review of your medical records.

Ulcerative Colitis Medical Information

Your medical records must be current and in compliance with your doctor’s orders.

Underwriters want to know:

  • Do you take your medications as prescribed?
  • Are current colonoscopies available in your records?
  • Are you overdue for testing, colonoscopies, and treatments?

Mistakes made by clients include:

  • Trying to time life insurance with remissions
  • Skipping colonoscopies

Life insurance companies will postpone offering coverage until the tests have been completed.

Final Words

Contact us today to start your life insurance application with ulcerative colitis.

There’s no obligation or pressure with our service.

We’ll help you find the best life insurance rates available.

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