2024 Guide to Getting Life Insurance With Diverticulosis/Diverticulitis - PinnacleQuote

2024 Guide to Getting Life Insurance With Diverticulosis/Diverticulitis

If you are in search of getting life insurance with Diverticulosis/Diverticulitis, you’ve come to the right place!

You know you always have to make sure that your loved ones will be taken care of after you’re gone. It can be tough to plan for this, but it’s no more difficult than getting a life insurance policy!

With all the new technology and options available today, there is something out there for everyone–even those who are suffering from diverticulosis or diverticulitis.

I Have Diverticulitis Can I Get Life Insurance

Yes! Depending on the severity of your disease, you can get life insurance with diverticulosis/diverticulitis.

In fact, if your condition is maintained, minimal flare-ups, and no other health impairments you can qualify for a preferred standard rating.

Diverticular disease is one of many gastrointestinal diseases. It is mimicking symptoms of  IBS, Celiac Disease, Crohn’s Disease, Ulcerative Colitis.

Photo Credit: National Institute of Diabetes And Digestive And Kidney Diseases

How Will Diverticulosis/Diverticulitis Affect My Life Insurance

Again, depending on the severity of your medical condition. To avoid a table rating and to get a preferred to standard rating at best apply NOW!

As you age, life insurance premiums increase.

While your condition is stable and you have not other health complications or conditions apply NOW to get the best possible rates!

If you have other health conditions and complications from diverticulitis, the other option is a guaranteed acceptance policy.

Diverticulosis/Diverticulitis And Underwriting Questions

Underwriters will assess your life insurance application. As we mentioned above, it is essential to be specific and honest.

Just like in health insurance, life insurance companies want to know about your overall health.

For instance, some questions underwriters will ask:

  • When were you diagnosed with diverticulosis/diverticulitis?
  • Have you had surgery? If so, When?
  • Pending surgeries?
  • Are you currently taking any medications prescribed by a physician?
  • When was your last flare up? 
  • How often are your flare-ups?

Is Diverticulosis/Diverticulitis A Pre existing Condition

Yes,  just like gastroesophageal reflux disease (GERD) is, diverticulosis/diverticulitis is a pre-existing condition in the eyes of life insurance companies.

What Is Diverticulosis/Diverticulitis

In detail, diverticulosis/diverticulosis is bulging pouches that start to develop in your colon. Affecting your large intestine.

When you have more than one of the pouches, they become inflamed and infected.  Now, this condition is called Diverticulitis. Surprisingly, diverticulitis is more common in men. Symptoms can last hours or even days.

According to the NIDDK, research shows about 35% of United States adults age 50 years or younger have diverticulosis/diverticulitis. In fact, in the U.S., about 200,000 people are hospitalized for diverticulitis each year.

Episodes of diverticulitis consist of bloating,  mild to severe pain in the lower abdomen, usually on the left side. Diverticulosis/diverticulitis can cause diarrhea along with chills and possibly a fever.

Physicians believe that a low fiber diet causes diverticulitis. People with diverticulosis eat a high fiber diet which will include vegetables, brown rice, whole grains.

Brock Lesnar Disease

UFC heavyweight champion Brock Lesnar suffers from diverticulitis. Although not a fatal disease, some people diagnosed with diverticulosis suffer primary health conditions that develop diverticulitis. (More than one pouch that becomes inflamed and infected.

Although a beast in the MMA, due to his illness the fight against Cain Velasquez was a disappointment for him. He was not able to fight at his highest level. Lesnar suffered from his second diverticulitis attack and had surgery in 2011. Resulting in removing 12 inches of his colon. Brock Lesnar did not stay in the MMA. Most likely to the severity of his illness.

“I have a high threshold for pain, higher than most guys, and I couldn’t deal with it. It felt like I had taken a shotgun blast to the stomach, and then someone poured in some salt and Tabasco and stirred it all up with a nasty pitchfork.”  Brock Lesnar (Brock Lesnar intestinal disease)

Will Flagyl Alone Treat Diverticulitis

What antibiotics are used to treat diverticulitis? Some physicians may prescribe a combination of  500 mg of Cipro and Flagyl. Antibiotics such as this help treat the bacteria in your colon.

How long does Flagyl take to work for diverticulosis/diverticulitis? Great question! To explain, about 7-10 days on average is the length of prescription prescribed by physicians.

The first thing to remember, always consult your physician! We are not medical doctors. We specialize in underwriting guidelines. But, to be clear, your doctor has the final say!

How To Deal With Diverticulitis

Diverticulosis/Diverticulitis treatment will vary from person to person.

What are diverticulitis foods to avoid?  Here’s the thing, some people have thought that a liquid diet is an answer. To clarify, your doctor may prescribe this option for the short term. Obviously, follow his/her guidelines.

There are no lists of food to necessarily avoid, instead of some foods that are high FODMAP foods like in IBS sufferers. To point out, these foods should be limited.

With this in mind, foods high in fiber are the way to go. Studies have shown less frequent flare-ups or pain associated with diverticulosis/diverticulitis.

Health Class Life Insurance

What is the primary purpose of life insurance? Life insurance is to protect your loved ones when you die.

Your paycheck dies with you. If you have a family, small children, and loved ones who depend on your finances. You need Life Insurance!

What is a good price for term life insurance? Call us today so we can qualify you and shop you to 50+ A+ Rated carriers in one simple phone call. (855) 380-3300.

For more information on Diverticulosis/Diverticulitis, CLICK HERE.

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Can I Obtain Life Insurance with Diverticulosis or Diverticulitis?

Yes, you can get life insurance with diverticulosis or diverticulitis. However, the severity and complications of your condition can affect the terms and rates of your insurance policy.

How Do Diverticulosis and Diverticulitis Impact Life Insurance Premiums?

The impact on premiums depends on the severity and frequency of your diverticulitis attacks, any related complications, and your overall health. Mild cases typically have less impact on premiums.-

What Information Will Insurers Require About My Condition?

Insurers will likely ask about the diagnosis, severity and frequency of flare-ups, any hospitalizations or surgeries, current treatment, and how the condition affects your daily life.

Is a Medical Exam Necessary for Life Insurance with These Conditions?

This varies by insurer and policy type. Some insurers may require a medical exam, especially for traditional life insurance policies.

What Types of Life Insurance Should I Consider?

Both term life insurance and whole life insurance can be options. The choice depends on your coverage needs, financial goals, and the impact of your condition on your health.

Can I Find Affordable Life Insurance with Diverticulosis/Diverticulitis?

Yes, affordable options are available, particularly if your condition is well-managed. Comparing policies from different providers can help find the best rates.

How Can I Improve My Chances of Getting Better Rates?

Managing your condition effectively, maintaining a healthy lifestyle, and having a stable medical history can help improve your insurance rates.

What Should I Disclose About My Condition When Applying?

Full disclosure of your diverticulosis or diverticulitis, including any complications and treatment plans, is crucial to ensure accurate policy terms and to avoid issues with claims.

Are There Specific Life Insurance Policies for People with Digestive Disorders?

While there are no policies specifically for digestive disorders, many insurers offer standard policies that can accommodate such health conditions.

What Happens if My Condition Worsens After Getting Life Insurance?

If your condition worsens after your policy is in effect, it should not affect your existing coverage. However, it could impact future insurance applications or adjustments to your policy.

Can Lifestyle and Diet Changes Impact My Insurance Application?

Yes, positive lifestyle and diet changes that help manage your condition can be viewed favorably by insurers.

How Do I Compare Life Insurance Quotes with Diverticulosis/Diverticulitis?

Obtain quotes from several insurers, consider the coverage, premiums, and how each company treats pre-existing conditions like diverticulosis or diverticulitis.

Should I Work with an Insurance Broker for My Condition?

An insurance broker experienced in handling policies for individuals with chronic conditions can provide valuable guidance in finding a suitable policy.


If you have a history of diverticulosis/diverticulitis, there are some things to keep in mind. There’s no need to worry if your condition is under control and minimal flare-ups occur; these factors can help qualify you for preferred standard ratings! Don’t let the fear of increasing premiums deter you from getting life insurance with diverticulosis/diverticulitis today. Get a quote on our website or call us at (855)380-3300 to speak with one of our experts about this great opportunity!

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