The Truth About Crohn’s Disease And Affordable Life Insurance [2020 Guide]

Crohn's disease and life insurance today

Quick Tip: If you are looking for affordable rates with Crohn’s Disease, fill out the quote box to the right.

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.

Denied Life Insurance Coverage Crohn’s Disease

Can I get life insurance for 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 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.

Life Insurance 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.

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.

inflammatory bowel disease
Crohn’s Disease

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.

0 0