How to get life insurance with Ulcerative Colitis

Do you suffer from ulcerative colitis but still want life insurance? If so, then you’ve come to the right place to find out everything you need to know before you apply for a life insurance policy with ulcerative colitis.

When you apply for a life insurance policy, the company will start by figuring out what type of ulcerative colitis you suffer from. As you might guess, patients with ulcerative proctisis have a much higher chance of being approved for an affordable life insurance policy. Patients with fulminant colitis will likely be charged a higher premium than any other type of ulcerative colitis, and in some cases may even be denied life insurance coverage. If you have a severe case of ulcerative colitis or have been denied due to the condition, you may need to consider getting burial life insurance with the top final expense insurance companies.

When you apply for life insurance, the life insurance provider will start with a list of questions. It is important to ensure you answer each of these questions as honestly as you possibly can. Withholding information may seem like a good idea at the time, but it could put your policy in jeopardy when it comes time for your loved ones to actually collect. To help you prepare, here are a list of possible questions a life insurance company may ask someone with ulcerative colitis:

• When were you diagnosed with ulcerative colitis?
• What kind of ulcerative colitis do you have? Was this your original diagnosis or has your disease progressed to a more severe form of ulcerative colitis?
• Have you been able to identify particular “triggers” such as certain foods, stress, etc that lead to symptoms?
• When was the last time you suffered from symptoms? What were they?
• Are you following a special diet and/or avoiding any particular foods?
• What is your treatment plan? Is this the same treatment plan you have followed since your diagnosis? If not, what were your earlier treatment plans?
• When was the last time you visited a specialist?
• Have you had any kind of surgery for your ulcerative colitis?
• Have you had any medical tests done in the last one year? If so, what were the results?

These are just a few of the questions a life insurance provider may ask before underwriting your policy. These questions help a life insurance agency to determine whether or not to offer you a policy and if so, at what annual cost.