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The good news is yes! You can take out life insurance even if you have Crohn’s disease.
Many think that due to their Crohn’s they can't take out life insurance, but that's not true.
Reassured can find quotes on your behalf to help you secure the most suitable life insurance to protect your loved ones.
What’s more, our FCA regulated broker service is completely free to use, get in touch today for your free quotes.
Read on to learn about how best to secure life insurance with Crohn’s disease…
It’s often believed that your premiums will increase due to having Crohn’s disease, but this is not always the case.
If you live a healthy lifestyle and your condition is mild you can still take out life insurance with standard premiums.
However, you may experience loaded premiums if your condition is severe or if you've only recently been diagnosed.
Contact our team today to discover your policy options.
At Reassured we can provide cover from as little as 20p-a-day.
Insurers will look at factors that may pose a risk to them (and make a pay out more likely).
These include:
As someone with Crohn’s disease, an insurer will also take into consideration the personal circumstances of your condition.
As mentioned previously, if your form of Crohn’s is mild it’s likely that you'll be able to secure standard premiums.
However, if your form of Crohn’s is more severe and you experience regular flare-ups, it’s likely that your premiums will be loaded.
The exception to this is an over 50s plan where your premiums will be determined by your age and the level of cover you secure.
The cost of life insurance will vary due to your own unique circumstances and the prices between providers differ significantly.
Compare quotes with Reassured and get cover from just 20p-a-day.
Once secured, the terms of your cover won't be affected by your Crohn’s disease.
Your cover will be standard and there will be no special clauses or terms.
The only difference will be that the premiums you pay may be slightly higher.
This will be if the insurer considers you to be high risk.
Those considered to be high risk by insurers end up paying more for their premiums as statistically, a pay out is more likely.
Your Crohn’s will be considered high risk if it's severe with frequent flare-ups.
At Reassured our team help arrange life insurance for people with pre-existing medical conditions.
If you've been declined for life insurance before due to Crohn’s disease, it’s still possible to secure cover.
You may have been refused cover for one of the following reasons:
If you've only just been diagnosed with Crohn’s disease it would be hard to paint a full picture of your symptoms and as a result, it would be hard for insurers to calculate the risk.
If you've just undergone surgery that was as a result of your condition, such as the fitting of a colonoscopy bag or a fistula removal, insurers are unlikely to provide cover until you've made a full recovery.
We offer a specialist impaired risk team who have helped to find cover for 45% of customers declined elsewhere.
Getting life insurance with Crohn’s disease doesn’t have to be a difficult endeavour.
As the condition will vary from person to person, so will the type of cover you take out and the price it will cost.
As well as the usual information (age, smoking status, type of cover, sum assured, etc.) insurers will also need to know the following information about your condition:
This will give insurers an idea of what your condition is like and the level of risk you pose.
Keeping a diary of all your symptoms, doctors/hospital visits, as well as medication and treatments, is really beneficial if you're looking to take out life insurance.
Once insurers have a clearer picture of your health, they'll be able to quote you.
Compare quotes today using our completely free, award-winning broker service.
The best life insurance for you will be determined by your own personal circumstances.
You'll need to consider what you want to protect as there are many policy types available, each suitable for covering different aspects of your life.
For example, if you have a family you may want their living expenses to be taken care of.
If you have a mortgage, you'll want this paid off.
Therefore, the best policy for you is one that takes care of everything you want to be protected at a price within your budget.
Get in touch to get your no-obligation quote started.
There are a few different types of cover that you can take out if you suffer from Crohn’s disease:
Level term life insurance
Level term life insurance provides cover for a set period of time (the term), this can be up to 40 years.
The benefit of level term life insurance is that your pay out amount will remain the same throughout your policy.
As someone with Crohn’s disease, the personal circumstances of your condition will be taken into consideration.
If you don't pass away during the term, no pay out is made and the policy expires.
This type of cover is ideal for covering fixed costs such as living expenses, an interest-only mortgage and an inheritance.
Save time and money by comparing quotes using Reassured.
Decreasing term life insurance
With decreasing term life insurance your lump sum reduces throughout the term.
Like with level term, you'll be covered for a set period of time.
The difference is that instead of your pay out remaining the same, it will decrease throughout the lifetime of your policy.
This type of cover is ideal for repaying large debt, such as a repayment mortgage.
To compare decreasing and level term policies, get in touch today.
Whole of life insurance
A whole of life policy provides life-time cover.
This means that your loved ones are guaranteed to receive a lump sum when (not if) you pass away.
This type of cover is usually best suited to those later on in life but in good health.
As someone with Crohn’s, it’s likely the premiums for this type of cover could be costly.
Taking out this type of cover out at a young age means it’s likely that you'll pay more into the policy than it would pay out.
At Reassured we can compare quotes on your behalf to get you the best deal.
Over 50s plan
An over 50s plan guarantees acceptance to all UK residents aged 50 – 85.
This type of policy will cover you for the rest of your life and guarantees a pay out after you've passed away.
What makes an over 50s plan different to most polices is that you don't need to provide any medical information.
Due to this, it is a good option for those who are over 50 and suffer from severe Crohn’s disease.
Due to the unknown risk you pose to the insurer, they often implement a waiting period (usually 12 or 14 months after taking out the policy).
This means that if you pass away due to natural causes during this time period you won’t be covered and no pay out will be made.
However, the premiums you've paid will be refunded to your beneficiaries.
The premiums you pay may also be slightly higher with this type of policy and your sum assured will be lower than with any other type of policy.
Get in touch to compare over 50s plans.
If you and your partner are considering taking out joint life insurance but one of you has Crohn’s disease this can impact the premium that you both pay.
Joint life insurance protects two policyholders simultaneously, meaning there is only one contract and one premium to be paid each month.
There will be only one application which will take into consideration information about both parties.
These will be factors such as your age, smoking status as well as your health and wellbeing.
If one of you suffers from Crohn’s disease this can lead to inflated premiums that you both will have to pay, meaning the partner in more favourable health could end up paying more than they need to.
Joint life insurance provides only one pay out, usually after the first death.
Once the pay out has been made the policy expires and the remaining partner will need to find new cover.
By using an FCA registered broker, like Reassured, you can compare joint and single policies.
If you have Crohn’s disease you must tell insurers on your application.
To be dishonest on your life insurance application is called non-disclosure.
Some think that by lying on their application they can obtain a cheaper premium, but this can result in your policy becoming invalid and a claim being declined.
This means even if you were to pass away from an unrelated illness if your insurer finds the non-disclosure, they can deny your pay out.
Honesty is always the best policy and you can secure cover for cheaper than you may think.
At Reassured we can guide you through the whole application process, so you have peace of mind that everything is filled out correctly.
Terminal illness cover will make an early pay out if you're diagnosed with a terminal illness and are predicted to pass away within 12 months, (during the policy term).
While Crohn’s won’t be counted under terminal illness cover, you'll be protected in the event you develop a terminal illness in the future.
To find out more about life insurance with terminal illness cover, contact us today.
Critical illness cover can be added on to any life insurance policy at an additional cost.
It'll cover you for a specific period of time (the term) and will pay out if you're diagnosed with a serious, but not life-threatening, illness (such as heart attack, stroke and cancer).
This is beneficial if you can't work due to your illness. A claim can be made and your pay out can be used to cover living expenses.
However, once you've made a claim your cover expiries, (this includes your life insurance).
Like with life insurance, if your Crohn’s disease is mild you'll be able to take out critical illness cover at standard rates.
If your Crohn’s disease is more severe, you may see inflated premiums.
Using an FCA registered broker, like Reassured, allows you to compare quotes and find the most cost-effective policy.
With critical illness cover, you'll not be covered for any pre-existing conditions.
If you have Crohn’s disease when you take out your policy, an exclusion for Crohn’s may be added.
This means you'll not be able to claim for anything related to your condition.
However, if you're diagnosed with a serious (but not life-threatening) illness during your policy term you'll be able to make a claim.
If you develop Crohn’s after you've taken out a policy, and your condition is found to be severe and matches the insurer’s definition of Crohn’s, you can make a claim.
It’s important to note that not all providers include Crohn’s disease under critical illness cover, which is why it’s important to compare policies.
Compare multiple quotes with Reassured to find the cover you need.
Any life insurance policy taken out through Reassured can be written in trust, free of charge.
Writing your life insurance in trust involves placing someone you trust in charge of your policy upon your passing.
This means they'll be responsible for ensuring your pay out is distributed as per your wishes.
The main benefit of this is that your loved ones will receive a larger sum from your pay out as it won’t be subject to 40% inheritance tax.
It also helps to avoid the probate process which can take up to 9 months.
Reassured offer a free trust writing service. Get in touch today to find out more.
Crohn’s disease is one of the main inflammatory bowel diseases affecting over 300,000 people across the UK[1].
Although the disease is often not fatal, it can have some associated health implications.
These implications make it even more important to have the right cover in place.
For more information and support on Crohn’s disease, please see the following resources:
If you're looking to take out life insurance, it’s wise to look at the different cover options that are available to you and compare quotes.
Contact us today to start your quote.
Quotes will vary between different providers so to secure the highest cover for the lowest price you need to compare.
At Reassured we’ll compare quotes for you to ensure you are getting the cover you need for the best price.
Saving you time and money - at no cost to you.
Get in touch and get your free quotes today.
[1] https://www.crohnsandcolitis.org.uk/about-crohns-and-colitis
