Crohn's Disease Life Insurance • Pre Existing Conditions • UK

Crohn’s Disease Life Insurance

Welcome to our guide to Crohn’s Disease and Life Insurance. Within this guide we will look at answering the following questions:

What is Crohns Disease?
Can I obtain Life Insurance with Crohn’s disease?
What questions will I be asked about my Crohn’s?
Do all Life Insurance companies charge the same for Crohn’s Disease?
How do I find the best deal for my life insurance?

If you simply wish to obtain a Life Insurance Quote for your Crohn’s please feel free to click the button below that will put you in touch with a Specialist. We would however always recommend that you read all this article together with our general guide on Life Insurance for pre existing conditions first.

Crohn's Life Insurance Expert*

What is Crohn’s disease?

The condition known as Crohn’s disease causes inflammation within the gut/digestive system, which can include swelling, pain, and redness. Along with Ulcerative Colitis, Crohn’s disease is one of the main two types of Inflammatory Bowel Disease. Unfortunately, Crohn’s lasts a lifetime, although this may include periods of remission and relapses. There is no current cure for Crohn’s disease, although there are drugs and surgery options that can provide relief.

Crohn’s Disease can vary dramatically in severity from person to person, with some dealing with minor discomfort and others requiring surgery due to severe pains and symptoms. These symptoms can include fevers, fatigue, abdominal pains, mouth sores, blood in your stool, pain around the anus, diarrhoea, and more. Crohn’s Disease is often diagnosed between the ages of 10 and 50. However, no matter the seriousness of your illness, there is always a chance to obtain life insurance for Crohn’s Disease.

For more information relating to Crohn’s Disease please visit Crohn’s & Colitis UK.

Can I obtain life insurance with Crohn’s Disease?

Standard rate life insurance can be acquired for those living with Crohn’s Disease, although this is often only possible in mild cases with no recent flare-ups. This can also be the case if you are on a small/mild dose of medication for your illness. For example, for a person who has suffered from Crohn’s for a year with mild symptoms, no recent flare-ups, and no medication, it will be relatively simple to find standard rate life insurance. For those suffering from more severe Crohn’s Disease, life insurance often comes with an increased premium due to the higher risk factor. The majority of insurers will write to your doctor in order to acquire more specific details on your Crohn’s Disease. Unfortunately, if you are a long-term sufferer who has recently undergone surgery, experiences severe symptoms, and requires heavy medication, life insurance will often come at a premium. The price of this insurance can depend on a number of variants:

It may also be possible that you have been declined for Life Insurance in the past. If this is the case please do not give up. Our recommended specialists have a proven track record of finding life insurance for people who have been previously declined.

To get in touch with an expert click the button below.

Crohn's Life Insurance Expert*

What questions will I be asked about my Crohn’s Disease?

How severe is your Crohn’s Disease?
Are you on medication? What type of medication and what dose?
When were you diagnosed?
Are you awaiting surgery? Have you had surgery?
What part of your bowel is affected and how much of this area?
Have you got any other medical issues as a result of your Crohn’s Disease?

If you are due to undergo surgery or have recently undergone an operation, such as a fistula removal or colostomy bag fitting, your life insurance application will likely be affected. Most insurers will require for you to wait until you are fully recovered from the surgery before applying for life insurance. Having said that, some specialist providers will still offer insurance policies at this time.

Do all Life Insurance companies charge the same for Crohn’s Disease?

The short answer is no, not all life insurance companies charge the same prices for Crohn’s Disease cover. The entire concept behind this website is to provide the best up-to-date information on life insurance for Crohn’s Disease and other conditions to ensure that you get the perfect deal for you. If an insurance company believes that there is any chance that a pre-existing condition, such as Crohn’s, could cause you to fall foul to an early death, they will increase the insurance cost. This is known as ‘loading’ and the price can range depending on the person, the disease, and the insurance company. However, there is also a chance that the company could decline your application entirely. The hard part is finding the company that offers the cheapest premium after applying the loading offer, this is where a Specialist will help. Always be honest about your condition and the extent of your suffering. If your pre-existing condition improves that be sure to review your cover immediately.

How do I find the best deal for Crohn’s Disease life insurance?

By using the tools on this site, you will be able to locate specialist brokers who have extensive knowledge in the area of Crohn’s Disease, allowing them to point you in the direction of the best insurance companies on the market. To simplify this process even further for you, we have developed a step-by-step guide to applying for Crohn’s Disease life insurance. Step one, check whether you have a pre-existing policy that offers guaranteed insurability. Step two, find out whether your employer allows you to take out insurance through work. Step three, contact a specialist in pre-existing medical conditions. Step four, if you are still unable to find anything then look into ‘last resort’ policies. Although we do not sell life insurance or offer financial advice, we are here to guide you towards informed choices as an independent research tool.

You can read the full step-by-step guide HERE