Life Insurance With IBS {2019 Guide}

IBS and life insurance

I Have Irritable Bowel Syndrome (IBS) Can I get Life Insurance

In short, YES!

You can get life insurance with irritable bowel syndrome (IBS) Today!

The life insurance company may consider you to be a high risk. 

IBS is very similar to other GI issues such as diverticulosis/diverticulitis, Crohn’s disease, ulcerative colitis, and celiac disease.

Presents the complete opposite than that of gastroesophageal reflux disease (GERD) but all of these above conditions are linked to gastrointestinal diseases. And should be taken seriously.

As a result, you may pay a higher premium depending on the severity of your irritable bowel syndrome.

Are you managed?

Do you have other health risks? 

Let’s dig dipper…


Getting Life Insurance With Irritable Bowel Syndrome (IBS)

What will the underwriters look for during my application process? The life insurance company and underwriters will want to know your medical history. Especially since IBS is considered high risk and a pre-existing medical condition. 

In short, some questions they will ask:

  • The date of your IBS diagnosis?
  • What medications are you currently taking?
  • Have you any surgeries for this condition?
  • Did you have a colonoscopy or any other tests, what were the results?
  • When was the last flare-up of your flare-up history?
  • Have you had any other medical conditions result from your IBS diagnosis?

Very import to realize, answer all questions honestly.


How Irritable Bowel Syndrome (IBS) Can Affect Your Life Insurance

Obviously, IBS will only affect your life insurance if you have other medical conditions as a result of your IBS medical condition.

The insurance carrier will take those conditions and your medications into consideration.

Will I still get coverage? YES! Every carrier will look at an individual differently.  Also, each carrier has its own set of guidelines.

Talk with your independent agent today. They know which carriers are best for this medical condition. They work for YOU. Your agent will get you the most affordable rates!


Will I Be Declined Life Insurance With Irritable Bowel Syndrome (IBS)

I have IBS, can life insurance companies deny coverage? If you have been diagnosed with IBS and have other significant medical issues, you may be declined a term life insurance policy or a traditional life insurance policy.

However, do not fret!  There are alternatives such as a simplified whole life policy, no medical exam life insurance policy and lastly, a guaranteed acceptance life insurance policy.

YOU WILL GET COVERAGE!


Is IBS A Pre-Existing Condition In Life Insurance

What Is Irritable Bowel Syndrome (IBS)

What does IBS affect? IBS affects the large intestines. In addition, IBS is a chronic condition. Stress does not cause IBS.  However, stress will affect your IBS symptoms.

Like we have mentioned above, the symptoms of IBS are very similar to other gastrointestinal diseases such as Crohn’s disease.  

IBS is inflammation in the intestines, which causes pain and diarrhea and alternating with constipation.

How can I manage my IBS? IBS can be controlled by managing your lifestyle with diet and medications too.


Does IBS Affect Life Insurance

What Are The Types of Irritable Bowel Syndrome (IBS)

Uniquely, there are two types of IBS.  Diarrhea, and constipation.

IBS-D ~  Irritable bowel syndrome with Diarrhea.  IBS with diarrhea can be extremely disruptive in your daily life.  Several bowel movements in a day. Be close to a bathroom!

In fact, I was diagnosed with IBS in 2002 after my gallbladder was removed two weeks post-delivery of my last son.

Getting life insurance for myself was challenging. Of course, I did get approved.  As a matter of fact, so can YOU!

IBS-C ~ Irritable bowel syndrome with Constipation.  IBS with constipation is just as tricky. Increased abdominal pain, bloating.

As can be seen, both types of IBS long term can disrupt your quality of life.

On the negative side, it can cause you to feel depressed in addition to the physical pain you go through.


What Are The Signs And Symptoms Of Irritable Bowel Syndrome (IBS) 

The symptoms of irritable bowel syndrome can be very debilitating.  The symptoms include cramping, bloating, excess gas diarrhea or constipation rectal bleeding, weight loss, iron deficiency, anemia.

Moreover, doctors do not know what causes IBS.

For this reason, treatments for IBS can be trial and error. Some physicians will try medications in addition to diet changes.

In fact, ten different people can have the same IBS-D, but all ten people will experience different treatments that work best for them.

Once you have a diagnose IBS, there is no cure for this medical condition.

Did you know…

In the United States, it is more common for females to be diagnosed with IBS.

Generally speaking, family history plays a role in IBS.

Mental health is also a contributing factor in IBS diagnosis. Coupled with, anxiety and depression health issues are a direct association with Irritable bowel syndrome.

Not to mention, You can develop lactose intolerance, as this goes hand in hand with IBS.


What Is A FODMAPS Diet

What is the best diet for irritable bowel syndrome (IBS)? 

FODMAPS is one diet plan that is highly recommended by many gastroenterologists.  FODMAPS, created by the Monash University Researchers. 

What does FODMAPS stand for:

Fermentable ~ gut bacteria ferment undigested carbohydrates to produce gases.

Oligosaccharides ~  fructans found in wheat, rye, onions, garlic, and legumes.

Disaccharides ~ lactose found in dairy products such as milk, cheeses, and yogurt.

Monosaccharides ~ fructose found in honey, apples and all high fructose corn syrups.

Polyols ~ sorbitol, and mannitol.  Found in some fruit and vegetables. Used as artificial sweeteners.

What can you eat on a FODMAPS diet? The diet entails about 2-6 weeks of strict low FODMAPS foods. After this period, each food will be re-introduced slowly to see what triggers your gut.  For more information on FODMAPS, CLICK HERE.

For more information regarding IBS and IBS symptoms, CLICK HERE.

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