How does Irritable Bowel Syndrome (IBS) affect life…
Yes, the good news is, it can still be possible to take out life insurance if you’re living with Crohn’s Disease.
Many think that, due to having Crohn’s, life insurance is unobtainable. But this isn’t the case.
Whilst your condition could affect the price you pay for cover, rest assured it’s unlikely you’ll be declined.
Shopping around multiple insurers can help you to find the most suitable options for those with Crohn’s Disease.
At Reassured we can help you do this by comparing quotes from the UK’s best insurers and smaller specialists.
Simply contact a friendly member of our team today for your free quotes.
In this article we'll be answering common questions regarding life insurance and Crohn’s Disease, such as:
Keep reading to find out everything you need to know about securing life insurance with Crohn’s Disease…
Yes, Crohn’s Disease can have an impact on your life insurance application.
Symptoms of Crohn’s can vary from person to person. For this reason, the affect your condition will have on your life insurance will depend on your personal circumstances.
For those with mild Crohn’s, your condition may not have a big influence and it could be possible to secure cover on standard terms or with only a small inflation to premiums.
However, if you experience more severe symptoms and/or have regular flare ups, it’s likely you’ll pay increased premiums due to the higher risk.
If you’re awaiting surgery as a result of your condition, such as the fitting of a colostomy bag, then your application may be postponed until you’ve made a full recovery.
Your application could also be affected by the medication you’re taking and whether you’ve experienced any other medical issues because of Crohn’s.
Rest assured, it’s unlikely you’ll be declined due to having Crohn’s Disease.
Reassured can help you find the best life insurance for someone with Crohn’s Disease from our panel of insurers. Simply get in touch.
Whilst Crohn’s Disease isn’t typically life threatening, living with a medical condition can highlight the importance of having the right protection in place should the worst happen.
Life insurance could provide your loved ones with a lump sum payment after your passing to help them with daily living costs and other essential expenses.
If you were to pass away unexpectedly, your loved ones could struggle to find these funds at short notice, adding more stress at what’s already a distressing time.
Life insurance can provide you with peace of mind that your loved ones are taken care of financially.
Start your journey today and get in touch for your no-obligation and fee-free quotes.
Yes, you’ll need to disclose your Crohn’s diagnosis during the application process.
During the application you’ll be asked for key information regarding your health and lifestyle.
This includes details of any pre-existing medical conditions you have.
Withholding or lying about this information is known as non-disclosure, which is a form of insurance fraud.
If discovered, non-disclosure could invalidate your policy and prevent a pay out from being made to your loved ones.
The exception to this is with an over 50s plan, as no medical information is required.
Is Crohn’s Disease a pre-existing medical condition?
Yes, if you have Crohn’s Disease at the point of application, this will be considered a pre-existing medical condition.
As someone with Crohn’s Disease, the best life insurance for you will depend on what you want to cover, your available budget and the personal circumstances of your condition.
There’s no specific Crohn’s Disease life insurance policy, therefore the options available to you will be no different to a standard applicant.
The only difference is that the price you pay and the policy terms you’re able to secure may be affected by your condition.
There are four life insurance policies available, these include:
At Reassured, our friendly team can provide you with all the information you need to know about the above policies.
We can also help you compare multiple quotes to find you the most suitable policy options.
There are also additional policies available to help you provide an extra safety net. This could be in the form of:
As with life insurance, having Crohn’s Disease may have an impact on the price you pay and the policy terms you’re able to secure.
How much you’ll pay for your life insurance as someone with Crohn’s Disease will depend on your personal circumstances.
When calculating life insurance premiums, insurers will assess the level of risk you pose (the likelihood of a claim being made).
Declaring a pre-existing illness, such as Crohn’s Disease, is just one factor that will be taken into consideration.
You’ll also be required to provide information about the following:
Additional information about your condition may impact the price you pay such as how frequent your flare ups are, whether you’ve had surgery or been hospitalised and what medication you’re taking.
If you have mild Crohn’s, there will be less of an impact on the price you pay for your premiums and it could even be possible to secure cover on standard terms.
Life insurance quotes with standard terms start from just 20p-a-day through Reassured † .
However, if your Crohn’s is more severe, you’ll likely experience inflated premiums due to the increased risk.
Comparing quotes could help you find the most affordable life insurance policy for your personal circumstances.
Why not enlist our expert team to help you find life cover?
During the application process, as well as providing standard information, you’ll also be required to provide details about your condition.
This is so insurers can get a better understanding of your personal circumstances.
The information you’ll be required to provide can include (but is not limited to):
Prior to applying for cover it could be wise to keep track of your symptoms, flare ups, any doctors/hospital visits, as well as any medication/treatment you receive.
This is so you can provide the insurer with the most up-to-date information.
This could prevent them needing to request a doctors report in order to obtain these details.
If you’re securing joint life insurance and one applicant has Crohn’s, it could affect the premium that you both pay.
A joint life insurance policy protects two lives simultaneously, with one premium to pay between both parties.
If one partner is in good health (with no pre-existing medical conditions), securing a joint policy with someone who has Crohn’s Disease could result in them paying a higher premium than is necessary.
For this reason, it could be beneficial to secure two single policies.
A friendly member of our team can help you compare both joint and single life insurance policies to find the best solution for your needs.
Yes, Crohn’s Disease is commonly one of the conditions covered within critical illness cover.
Being diagnosed with Crohn’s Disease during the term of your policy could allow you to make a claim and receive a lump sum payment.
However, if your Crohn’s Disease is pre-existing when securing cover, it’s likely it will be added as an exclusion to your policy. This will prevent you from claiming for this reason.
The list of conditions covered by critical illness cover can vary between providers, so not all policies may cover Crohn’s.
That’s why it’s important to compare multiple policies to secure the most comprehensive cover.
If you’ve been declined for life insurance in the past, due to Crohn’s Disease, it could still be possible to secure life cover.
It may be that you were declined due to one of the following reasons:
Your diagnosis was too recent
Most insurers will require a specific time period to pass after a diagnosis before approving an application.
This is so the condition can be more accurately assessed (for example, how symptoms effect you and how frequently they occur).
Without information like this, it could be hard for insurers to assess your risk level accurately.
You recently had surgery
Similarly, if you had recently undergone surgery or were awaiting a surgery, insurers are likely to postpone or decline an application until a full recovery has been made.
You applied for cover with a mainstream provider
Some mainstream providers don’t have the capacity to offer cover to non-standard applicants (such as those with pre-existing medical conditions).
The underwriting processes used by each insurer vary. Therefore, just because you couldn’t secure cover with one provider, doesn’t mean you won’t be able to secure cover with another.
It can also be possible to secure cover with specialist providers, who specialise in offering cover to non-standard applicants.
Your level of risk was deemed too great
While it’s unlikely to be declined due to Crohn’s Disease alone, if multiple high-risk factors are identified it could be that you were deemed too risky to insure.
Other high risk factors could include (but aren’t limited to) a high-risk occupation, having a BMI that classes you as morbidly obese, as well as smoking and drinking in excess.
It could still be possible to secure cover with the help of a specialist insurer or with an over 50s plan.
Reassured have a specialist impaired risk team on hand to support you. So, even if you have previously been refused cover, there’s still hope.
So, even if you have previously been refused cover, there’s still hope.
At Reassured, not only do we work with some of the UK’s leading providers, but we also work with specialist insurers, allowing us to provide you with the details of the insurer who’s most likely to offer you cover.
Simply get in touch for your free quotes.
If you’re diagnosed with Crohn’s Disease during the term of your policy, you’re not required to inform your insurer.
However, it can beneficial to keep your insurer up to date with any medical changes that may happen. This is so there’s documentation of when the condition occurred.
If there’s no documentation and you were to pass away, insurers may need to investigate the death to see whether the condition was pre-existing or not.
This could delay a pay out being made to your loved ones.
It’s unlikely you’ll be asked to undergo a medical exam when applying for life insurance with Crohn’s Disease.
However, insurers do have the right to request this if they believe it’s necessary to get a better understanding of your health and the effect Crohn’s has had.
What’s more common is for a medical report to be requested from your GP (this can only be obtained with your permission).
Particularly if you’ve been on strong medications or have had multiple surgeries, insurers may want further details.
The need for a doctor’s report could be reduced if you keep track of your surgeries, medications and the dates they occurred.
Yes, it can be possible to secure life insurance with Inflammatory Bowel Disease (IBD).
IBD is an umbrella term used to describe both Crohn’s Disease and Ulcerative Colitis.
You may wonder does colitis affect life insurance too?
The answer is yes, as both conditions are classed as IBD, Colitis will have a similar effect on life insurance as Crohn’s Disease.
Securing life insurance with IBD doesn’t have to be difficult, why not use the services of Reassured to find the right insurer for you?
Simply get in touch for your fee-free quotes.
Whilst it’s still possible to secure life insurance with Crohn’s Disease, the price you’ll pay for cover could be impacted by your condition.
This makes it even more important to compare quotes to find the most affordable cover.
At Reassured, we work with panel of insurers to help you find the best cover for your needs, at the right price.
Our specialist team could help you find some form of cover, even if you’ve been declined before.
Rest assured you’re in good hands, so why not get in touch for your free and no-obligation quotes today?
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