2024 Guide To Crohn’s Disease And Affordable Life Insurance - PinnacleQuote

2024 Guide To Crohn’s Disease And Affordable Life Insurance

If you are looking for affordable life insurance for Crohn’s disease, this article is for you!

Many people don’t know that Crohn’s disease is a chronic, inflammatory bowel disease that can lead to serious health problems. It includes ulcerative colitis and is typically diagnosed in the teens or 20s, but it can also be found in childhood.

If you have Crohn’s Disease then you may not qualify for affordable life insurance because of your preexisting condition. But I’m here to tell you there are still ways to get coverage without paying an arm and a leg!

Read on for more information about the truth behind Crohn’s disease and why it makes finding affordable life insurance difficult.

Life Insurance With Crohn’s Disease

There is no cure for Crohn’s Disease. It can affect your day-to-day living.

Does Crohn’s Disease affect life insurance? How well you manage your disease and your symptoms over a period of time will have a significant impact on your life insurance application and standard rates.

Many people who have their Crohn’s disease under control could experience a single flare-up that is far and few between.

Your diet helps play a huge role in success.

Can I Get Life Insurance With Crohn’s Disease

First, Is Crohn’s a pre-existing condition? YES! 

The life insurance company will want to know more information about your medical condition.

Being that this is a pre-existing condition, along with many gastrointestinal diseases such as  IBS, Celiac disease, Diverticulitis, and ulcerative colitis.

whether mild to moderate, it will have an impact on your life insurance quote.

Of course, when applying for life insurance, your independent insurance agent will ask you specific questions about your medical condition.

Have You Been Denied Life Insurance Coverage With Crohn’s Disease

What do I do if denied life insurance due to Crohn’s disease?

To explain, the severity of your Crohn’s disease may determine the type of policy you can qualify for.

However, if your condition is severe, a term life insurance policy may not be a way to go.

With this in mind, perhaps a simplified issue whole life policy or a disability policy is an option for you.

Crohn’s Disease and Life Insurance Coverage

As you know, Crohn’s disease and life insurance coverage is possible. In fact, it will come down to if it is diagnosed as mild, moderate, or severe. In addition, the type of treatment will have a say on what kind of rate you will be offered.

  • Mild to moderate = Imodium, aminosalicylates products, Antibiotics/Cipro/Flagyl
  • Moderate to Severe = Steroids (injectable or oral), Immunosuppressives, Alpha inhibitors

Also, what will factor in on the rate will be how long ago was the diagnosis. These will all factor in on the overall picture to the underwriter when they make a decision.

This is a basic guideline for ratings for someone with Crohn’s Disease.

  • Diagnosed < 6 months = Postpone
  • Diagnosed > 6 months or within 6 months of a Severe episode = Table 2-4
  • Two severe episodes in the past year = table 4-5
  • Others, declined. Most severe, many medications.

Keep in mind, there are non-medical exam options. I would ask a PinnacleQuote agent about living benefits life insurance as well.

What is the Life Expectancy of Someone with Crohn’s Disease

As you are aware, Crohn’s disease is an inflammatory bowel disease.

Overall, a life insurance company will assess a rating class based on the increased risk of mortality. In addition, the possible treatment, the types of inflammatory bowel such as Crohn’s, and the severity of symptoms.

Above all, getting life insurance for a Crohn s disease patient will depend on how severe the medical condition is.

For example, getting a term life insurance policy will depend on if you will require surgery or do you experience chronic inflammation for long periods of time.

Furthermore, people with Crohn’s disease usually get the disease between the ages of 15 and 35.

Here are some of the most common questions when it comes to Crohn s disease life-threatening complications.

  • Do people with Crohn s disease die earlier? No, Crohn’s does not usually lower mortality and most Crohns patients enjoy a full life.
  • What percentage of Crohn s patients get cancer? Overall, Crohn’s disease increases reported colon cancer 20 times that of the normal population. Or just over 1% of the cases reported.

So Crohn s disease life expectancy is pretty normal and the risk of developing colon cancer is still small.

Is Crohn’s Disease a Disability Under the Equality Act

Overall, having any type of IBD (Inflammatory Bowel Disease) might qualify as a disability under the Equality Act. In fact, most Crohns patients don’t consider themselves to be disabled.

However, depending on the severity of the abdominal pain, and the outcome of exams on the small intestines and large intestines, this could prompt it difficult to work in a normal environment as frequent bowel movements may occur.

Overall, if the intestinal walls are chronically inflamed, and you are on disability it may be challenging to get low-cost health insurance or an affordable life insurance quote. That’s why it is so important to talk to an Independent National Agent that knows the go-to carriers for any IBD.

Tricks to Living with Crohn’s Disease

Can I live a normal life with Crohn’s Disease? Yes, you can!

Overall, you want to stay away from foods high in fiber, dairy products, soda, alcohol, and fatty foods. Moreover, this will lower the frequency of the symptoms.

I addition, keep your portions small, don’t overeat.

Also, be more active as exercise will always assist in most health impairments.

To add, wear comfortable clothes as you never know when you will need the closest bathroom.

To conclude, have more good spices like Tumeric in your diet and add some supplemental shakes to your diet.

Life Insurance with Crohn’s Disease

What is Crohn’s disease? Crohn’s disease is also called inflammatory bowel disease. Similar symptoms as irritable bowel syndrome (IBS.) 

A common gastrointestinal disease that millions of Americans suffer with daily.

inflammatory bowel disease
Crohn’s Disease

Crohn’s disease targets your digestive tract. Most people experience abdominal pain, diarrhea, a tremendous amount of weight loss, and even fevers.

Crohn’s disease affects any part of the gastrointestinal tract. This could be anywhere from your mouth to anus.

Most common is the small and large intestine. In addition to the rectum.  Important to realize, this could lead to cancer.

In fact, my youngest child was diagnosed within the past year with Crohn’s disease.

When I found out, my heart broke for him. I understand to a degree what he is experiencing as I have had IBS-D for many years.

It is one thing as an adult to have to deal with a high-risk diagnosis such as this but much harder watching your 17-year old suffer.

Crohn’s Disease Life Insurance Underwriting

What will the life insurance company want to know about my Crohn’s Disease?

Some common questions underwriters will ask:

  • What was the age of your Crohn’s disease diagnosis?
  • How frequent are your flare-ups?
  • Have you had any surgeries?
  • Are you currently taking medications?

Term Life Insurance with Crohn’s Disease

What is the best life insurance companies for Crohn’s disease?

Each carrier will look at you differently.

How well managed your disease is and current medications will depend on what you will qualify for.

Although there are many A+ rated companies, here are a few companies that stand out:

  • AIG (American General) – guaranteed acceptance, no medical questions asked. Two-year waiting period.
  • Ameritas – Age will matter at application. Also, the more severe, the higher the ratings will be. If stable for one year or more, insurability will not be in an issue.
  • American National (ANICO) – symptom-free 2 years over the age of 35, table rating between A-D.

Again, getting affordable term life insurance can be possible with Crohn’s disease, you just have to make sure you are with the right carrier.

Life Insurance Quotes With Crohn’s Disease

It is best to give us a call directly so we can go over all of your current medications, current medical conditions and isolate the best carrier and the best price for you.

As we stated above, each carrier will look at everyone differently and they all have their own set of guidelines.

Call us today, we will be more than happy to answer all of your questions. (855) 380-3300.

For more information on Crohn’s disease CLICK HERE.

Preferred vs. Standard rates for a $500,000, 20-year policy

Age Gender Rates
Preferred rates Standard rates
25 Female $20.92 $31.92
Male $26.98 $38.88
35 Female $25.56 $38.19
Male $30.52 $46.35
45 Female $48.14 $77.40
Male $61.19 $96.98
55 Female $110.51 $171.51
Male $152.65 $241.85


1. What is Crohn’s disease?

Crohn’s disease is a type of inflammatory bowel disease (IBD) that affects the digestive tract. It can lead to severe pain, diarrhea, weight loss, and fatigue.

2. Can people with Crohn’s disease get life insurance?

Absolutely. While Crohn’s disease can pose some challenges when applying for life insurance, it’s by no means an automatic denial. With the right approach and knowledge, many with Crohn’s can secure affordable rates.

3. Does Crohn’s disease affect life insurance rates?

Yes, the severity and frequency of flare-ups, the type of medication you take, and other related health issues can influence rates. However, if your Crohn’s is well-managed, you might get rates similar to someone without the condition.

4. What should I do to get the best rates with Crohn’s disease?

Firstly, ensure that your disease is well-managed and consult your doctor regularly. Insurance companies will look for consistent medical records that show stability. Secondly, work with an experienced insurance agent who can guide you to the most understanding insurance providers.

5. Which life insurance companies are the most Crohn’s-friendly?

While specific companies can change their policies and rates annually, it’s crucial to seek out providers known for their comprehensive health assessments. An experienced insurance agent can help pinpoint which companies are currently the most accommodating to those with Crohn’s.

6. How important is it to disclose my Crohn’s condition when applying for life insurance?

It’s vital. Being transparent about your health ensures that your policy won’t be void due to non-disclosure. Insurance companies will review medical records, so it’s best to be upfront from the start.

7. Are there other insurance policies that might be more accommodating to those with Crohn’s disease?

Yes, some policies, like guaranteed issue life insurance, don’t require a medical exam. However, these might come with higher premiums or lower coverage limits. It’s essential to explore all your options.

8. What if I’m denied life insurance because of my Crohn’s disease?

Don’t be discouraged. Different insurance companies have various underwriting guidelines. If one denies you, another might approve. It helps to work with an agent who knows the landscape and can guide you to a more understanding provider.

9. How often should I review my life insurance policy if I have Crohn’s disease?

Regularly, especially if there’s a significant change in your health. As medical treatments evolve and your condition improves, you might qualify for better rates.

10. What’s the main takeaway for someone with Crohn’s looking for affordable life insurance in 2023? Stay positive and proactive. With the right guidance, people with Crohn’s disease have several options for securing affordable life insurance. Always stay updated on your health and the insurance landscape.

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Crohn’s Disease is a chronic, inflammatory bowel disease that can affect the entire digestive system.

You may be wondering if this condition will impact your life insurance rates or application and it does have an effect on one of the criteria for obtaining coverage – provided you don’t take care of yourself.

If you’re in remission from the disease with good symptoms then getting affordable life insurance quotes should not be difficult.

However, if you are currently suffering from active Crohn’s Disease then finding cheap health insurance could prove to be challenging because insurers consider it a major risk factor when assessing applicants’ eligibility for standard rates (i.e., those who suffer from any intestinal disorder).

This doesn’t mean all hope is lost though! There are some that will still take you, we just have to find the right one.

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