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Qualifying for Life Insurance After Being Diagnosed with Crohn’s Disease or Ilietis.

Crohn’s disease if just one of several inflammatory bowel disorders (IBD) that can often times have a pretty significant effect on the outcome of ones’ life insurance application.

This is particularly true if you’re experiencing somewhat severe complications from your pre-existing medical condition and you choose to apply for coverage with the wrong life insurance company.

About Crohn’s disease.

Crohn’s disease (also know as ileitis) is an inflammatory bowel disease (IBD) that causes inflammation within the lining of ones’ digestive tract.  As a result, those suffer from Crohn’s disease will often experience:

  • Abdominal pain.
  • Diarrhea.
  • Fatigue.
  • General malaise.
  • Weight loss.
  • Perianal disease.
  • Ulcers within the mouth.
  • And possible malnutrition.

In extreme cases, ones’ Crohn’s disease can spread beyond the surface layer of the digestive tract and begin invading deeper tissue layers.  In cases like these, it is not uncommon for ones Crohn’s disease to cause debilitatingly painful and potentially lead to many life-threatening complications.

Complications such as:

  • Severe inflammation leading to significant scarring and narrowing of the bowel.
  • Bowel obstruction.
  • Ulcers.
  • Fistulas.
  • And colon cancer.

Unfortunately…

Researchers have yet been able to determine the exact cause of Crohn’s disease, but do believe that there may be both a genetic and/or autoimmune system factor leading to its development.

Additionally…

A poor diet and elevated stress levels have been linked in exacerbating symptoms experienced by those suffering from Crohn’s disease.  This is why a successful treatment play should incorporate a:

  • Healthy diet.
  • Stress management techniques.
  • And the administration of steroids and immunosuppressants.

Surgery may also be required for those who have suffered from extensive tissue damage as a result of the Crohn’s disease..

This is why…

You generally going to find that the insurance companies are going to be very interested in the “severity” of your condition prior to them being willing to approve your life insurance application.

The good news is that…

In most cases, Crohn’s disease is a slow progressive disease that is characterized by the occasional “flare ups” or “attacks”.  Therefore, the key to managing Crohn’s disease is to try to minimize these attacks and reduce the severity of the damage that occurs during an attack.

How well one does at doing this will generally determine what “type” of life insurance policy someone will be eligible for as well as what price the will be expected to pay once they have been approved.

Questions used to determine how well you are managing your Crohn’s disease (ilietis):

  • How old are you know?
  • What is your current height and weight?
  • When where you first diagnosed with Crohn’s disease?
  • What medications are you taking to treat you Crohn’s disease?
  • When was the last time you suffered from a flare up?
  • How often do you suffer from flare ups?
  • What symptoms do you typically experience as a result of your Crohn’s disease?
  • Have you ever required any or do you anticipate needing any surgical treatments to help manage your Crohn’s disease?
  • Has any of your immediate family members (mother, father, brother or sister) ever been diagnosed with Crohn’s disease?
  • Has any of your immediate family members (mother, father, brother or sister) ever been diagnosed with cancer?
  • Are you currently working now?
  • In the past 12 months, have you applied for or received any form of disability benefits?

From here, the insurance companies should have a pretty good idea about what type of life insurance policy you may or may not be eligible for as well as what rate you’ll be expected to pay.

But more importantly…

We here at JustBuryMe will know as well and we’ll use this information in order to help us narrow down “which” life insurance company is going to provide you with the best opportunity for success.  That being said, what you’ll typically find is that if your Crohn’s disease is being well managed and you only have a few if any symptoms, you should theoretically be “eligible” to qualify for a Preferred rate class for your ordinary life insurance.

However, if you are experiencing quite a few symptoms, or you are experiencing multiple flare ups each and every year, you really could qualify for quite a number of different rate classes and could in fact be declined life insurance coverage all together.

For more moderate medical conditions, no exam life insurance, also known as simplified issue, might be the better option.

If you have a severe condition of Crohn’s disease or you have more serious medical condition in addition to Crohn’s, you may need to consider either accidental death insurance or guaranteed issue life insurance.

With so many options, you can see why it’s so important to choose to work with a company like InsuranceBrokersUSA.

Because we here at InsuranceBrokersUSA…

Have chosen to remain an independent life insurance brokerage that is able to work with dozens of different life insurance companies, we don’t need to simply rely on the decision-making processes of one or two different life insurance companies.

Instead…

We can simultaneously “shop” your life insurance policy to dozens of different life insurance companies and make them “compete” for your business!

Because it important to remember…

That as of right now you may think that your Crohn’s diease is the only factor or the most significant factor that could affect the outcome of your life insurance application but the truth is, there are a whole “bunch” of factors that can come into play!

For example:

  • Have any of your immediate family members (mother, father, brother or sister) ever been diagnosed with cancer, heart disease, stroke or diabetes?
  • Do you have any issues with your driver’s license? Such as a suspended license, multiple moving violations, or a DUI?
  • Do you have any set plans to travel outside of the United States in the next 2 years? Or are you planning on traveling to any potentially dangerous locations?
  • Do you actively participate in any dangerous hobbies?
  • In the past 2 years have you ever filed for or declared bankruptcy?
  • In the past 12 months, have you used any marijuana products?

You see, when it comes to qualifying for life insurance, there are going to be a lot of “medical” and “non-medical” factors that may come into play, and without having a ton of options to choose from, you may find yourself having to pay too much for your insurance!

And at the end of the day…

Here at InsuranceBrokersUSA, we only have one goal in mind with is to….

“Help you find the best life insurance policy that you can qualify for!”

So, what are you waiting for?  Give us a call today and see what we can do for you!

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