Just because you’ve been declined life insurance before, due to your Crohn’s, it doesn’t mean securing cover is impossible.
It’s likely you may have been declined for one of the following reasons:
You had only recently been diagnosed
Most insurers will wait until a specific period of time has passed since your diagnosis before they’ll offer you cover. This is commonly 6 months, but this timeframe can vary depending on the provider.
If you applied for life insurance before 6 months had passed this may have been why you were declined. This is so that you can establish if the diagnosis is correct and gauge a better understanding of how the condition affects you (severity of symptoms and frequency of flare ups etc.)
You recently had surgery
Similarly, if you had only just undergone surgery when applying for life insurance, you may have been declined until you made a full recovery.
The provider you applied with was not well equipped to offer cover to those with pre-existing conditions
Some providers are better at offering cover to those with pre-existing conditions than others. You may have been declined simply because the insurer you used wasn't able to offer cover to those with pre-existing conditions.
At Reassured we work with a panel of insurers and can provide you with the details of the insurers who are most likely to offer you cover.
Insurer deemed your condition as too risky
If you have a severe form of Crohn’s, and applied for cover through a mainstream provider, you may have been declined as you were deemed as too high-risk.
It can still be possible to secure cover with the help of specialist insurers or through an over 50s plan (if you fit into this age bracket).
Reassured have a specialist impaired risk team who’ve helped to secure cover for 45% of applicants declined elsewhere.
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.