Affordable life insurance for ulcerative colitis is available.
Ulcerative colitis is an inflammatory bowel disease (IBD), affecting approximately 1 million Americans.
With life insurance, it’s all about the severity of your ulcerative colitis (UC).
That, coupled with the treatment you receive 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 based on your history.
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 the 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 are able to get life insurance in most cases.
If you follow our advice in this article.
Proctitis and proctosigmoiditis will follow the same life insurance underwriting as mild UC.
Moderate ulcerative colitis follows the same symptoms as mild ulcerative colitis symptoms,
But may also include the following:
Severe ulcerative colitis medical histories include the following:
Other factors that may affect underwriting include liver function test results if significantly elevated.
Ulcerative colitis life expectancy may be shortened by indications of:
Guaranteed issue life insurance is the only option available for the above.
We need to know:
If you were denied life insurance due to ulcerative colitis, let us know what life insurer declined you.
The most likely reason for the decline is applying to the wrong insurance company.
We’ll use the quick quote process previously mentioned to get you the best offer possible.
Once we have the underwriting feedback, we’ll show you the best life insurance companies available.
The best life insurance company for you will depend on your exact medical history.
Have you been rated or declined for life insurance?
Don’t get discouraged!
Most times, a prior negative experience was 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 that specialize in UC.
With that being said, some of the best life insurance companies for ulcerative colitis have been:
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.
The reason why is that some underwriting programs offer underwriting credits to give you a better rate.
Just Diagnosed? Most companies will postpone life insurance for 3-6 months after diagnosis.
Companies want to see some follow-up physician visits and indications of treatment starting to work.
Life insurance underwriting will require a paramedical exam and a review of your medical records.
Your medical records need to be up to date and in compliance with your doctor’s orders.
Underwriters want to know:
Mistakes made by clients include:
Life insurance companies will postpone offering coverage until the tests have been completed.
There’s no obligation or pressure with our service.
We’ll help you find the best life insurance rates available.
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.