Life Insurance with Crohn’s Disease.
In this article, we wanted to take a moment and try and answer some of the most common questions we get from folks applying for life insurance after they have been diagnosed with Crohn’s Disease or any one of the other names that it goes by including:
- Granulomatous Colitis,
- Crohn’s enteritis,
- Granulomatous Enteritis,
- Regional Enteritis,
- Or Ileitis.
Questions that will be directly addressed will include:
- Can I qualify for life insurance after I’ve been diagnosed with Crohn’s Disease?
- Why do life insurance companies care if I’ve been diagnosed with Crohn’s Disease?
- What kind of information will the insurance companies ask me or be interested in?
- What rate (or price) can I qualify for?
- What can I do to help ensure that I get the “best life insurance” for me?
So, without further ado, let’ dive right in!
Can I qualify for life insurance after I’ve been diagnosed with Crohn’s Disease?
Yes, individuals can and often will be able to qualify for a traditional term or whole life insurance policy after having been diagnosed with Crohn’s Disease. In fact, many may even be able to qualify for a term life insurance policy without a medical exam at a Preferred rate!
The problem is…
That simply being diagnosed with Crohn’s Disease doesn’t really tell a person (or a life insurance underwriter) all that much about how “severe” or “mild” your condition may be. This is why prior to making any definitive decisions about your life insurance application most of the best insurance companies (if not all) are going to want to ask you a series of questions about your Crohn’s Disease so that they can get a better understanding of what kind of “risk” you may pose to them should they decide to approve your life insurance application.
- Gastroduodenal Crohn’s Disease, is a “type” of Crohn’s Disease that affects the esophagus, stomach, and/or duodenum portion of the small intestine.
- Jejunoileitis, is a form of Crohn’s Disease that affects the jejunum or upper half.
Why do life insurance companies care if I’ve been diagnosed with Crohn’s Disease?
Probably the best way to understand why a life insurance company is going to “care” if you have been diagnosed with Crohn’s Disease is to just take a moment and briefly review exactly what it means to “have” Crohn’s Disease and list some of the many symptoms that a life insurance underwriter will be looking for when trying to make their determination about your life insurance application.
Crohn’s Disease Defined:
Crohn’s Disease is a medical condition that is defined as a type of inflammatory bowel disease that can pretty much cause inflammation anywhere throughout one’s digestive tract. Now we should point out that “technically” there are five different “types” of Crohn’s Disease that one can suffer from including:
- Ileocolitis, the most common type of Crohn’s Disease, which occurs in the end of the small intestine (ileum) and the colon or large intestine.
- Ileitis, is a “type” of Crohn’s Disease, which is fully contained with the ileum (tail end of the small intestine.of the small intestine.
- Crohn’s Colitis, which is somewhat of a “generic term” which can be used to simply describe any “type” of inflammation within the digestive tract.
But the truth is…
At the end of the day, most life insurance companies are going to just “lump” all of these different “types” of Crohn’s Diseases under the same “heading” and focus more on what symptoms they are causing the applicant to suffer from and how “serious” those symptoms have become.
Common symptoms may include:
- Frequent diarrhea,
- Unexplained weight loss,
- Abdominal pain and cramping,
- Reduced appetite.
There isn’t a cure for Crohn’s Disease; however, some patients do find some relief from their symptoms through the use of medications, bowel rest, and even surgery in some cases. The problem is that there really isn’t any kind of “silver bullet” treatment regiment that one can employ, which means that most folks will usually have to suffer through some kind of trial and error period until the find what works for them.
This lack of cure…
Is also why some individuals may find that because they suffer from frequent “attacks” or “flareups” caused by their Crohn’s Disease that some life insurance companies may ultimately consider them a “higher-risk” applicant which is why most life insurance companies will want to ask a lot of questions about one’s Crohn’s Disease before making any kind of decisions about their life insurance application.
Before anyone gets too upset or beings complaining about the simplicity of our definitions that we’re using here, it’s important to understand that we here at IBUSA aren’t medical experts of doctors. All we are is a bunch of life insurance agents who just happen to be really good at helping folks with pre-existing medical conditions like the ones described above find and qualify for coverage.
Which means that…
Because we’re not going to be the one “diagnosing” your condition, all we need to do is understand that there are differences between certain different pre-existing medical conditions and how those differences are going to affect how a life insurance underwriter is going to consider you as a potential client. The good news is that despite how simply our definitions of these diseases may be, this is something that we actually have down pat!
Which is why…
When we are approached by an individual who has been diagnosed with any of these “kinds” of conditions, we’re going to know right away what questions a life insurance underwriter is going to want to know the answers too before he or she will be willing to make any kind of decision about the outcome of your life insurance application.
What kind of information will the insurance companies ask me or be interested in?
Common questions you’ll likely be asked may include:
- When were you first diagnosed with Crohn’s Disease?
- Who diagnosed your Crohn’s Disease?
- What symptoms (if any) led to your diagnosis?
- What treatment options are you currently using?
- Have you ever had a surgical procedure to help you treat/manage your Crohn’s Disease?
- Has your doctor recommended or advised you to have a surgical procedure to help you treat your Crohn’s Disease?
- When was the last time that you suffered from a “flareup”?
- How often do you suffer from “flareups”?
- Have you been diagnosed with any other pre-existing medical conditions?
- Have you currently taking any prescription medications?
- In the past two years, have you been hospitalized for any reason?
- Are you currently working now?
- In the past 12 months, have you applied for or received any form of disability benefits?
What rate (or price) can I qualify for?
As you can see, there are a lot of factors that can come into play when trying to determine what kind of rate that an individual can qualify for after having been diagnosed with Crohn’s Disease. This is why it’s almost impossible to know what kind of rate you might qualify for without first speaking with you for a few minutes and getting to know a little bit about your situation.
That said however…
There are a few “assumptions” that we can make about folks who have been diagnosed with Crohn’s Disease that will generally hold true that may give you at least a “basic” idea about what kind of rate that you might be able to qualify for.
If you are one of those who have been diagnosed with Crohn’s Disease because on “occasion” you seemed to suffer from some gastric discomfort but have never really found your situation to be too severe, you might be able to qualify for a Preferred rate. People like these are usually those who may have been diagnosed with a mild case of Crohn’s Disease but have never really sought out much treatment for it because it has never caused them too much distress.
“If only everyone was so lucky!”
For everyone else, what you’re generally going to find is that most folks will usually be looking at being able to qualify for a Standard or Standard Plus, assuming that their symptoms aren’t too severe.
The good news is…
That regardless of your situation, we here at IBUSA can help because we have tons of experience helping folks with all sorts of pre-existing medical conditions like yours and are committed to helping all of our clients find the “best” life insurance policy that they can qualify for. Which brings us to the last topic that we wanted to take a moment and discuss, which is…
What can I do to help ensure that I get the “best life insurance” for me?
In our experience here at IBUSA, what we have found that usually, the folks who seem to find the “best” life insurance policy for them are those that:
- Take their time reviewing their options.
- Ask a lot of questions.
And seek out those life insurance agents who not only have experience working with individuals who have been diagnosed with a wide variety of pre-existing medical conditions but also have access to dozens of different life insurance companies so that when it comes time to helping a more “challenging” case, they don’t have to rely on a…
“One size fits all approach!”
The good news is that this is exactly what you’re going to find here at IBUSA!
Now will we be able to help out everyone who has been previously diagnosed with Crohn’s Disease?
No, probably not. But what we can tell you is that in addition to offering a wide variety of different term and whole life insurance policies, IBUSA has also worked very hard to establish relationships with many Final Expense Life Insurance Companies as well so that in the event that someone isn’t able to qualify for a traditional life insurance policy, chances are there may be some other “type” of product that you CAN qualify for.
So, if you’re ready to see what options might be available to you, just give us a call!