For those who are currently having a difficult time getting approved for life insurance, you also may want to read the following articles which focus on difficult to place insurance policies: TermLife2Go’s All-Star Life Insurance Companies, Avoid the Needle! Best No Medical Life Insurance Companies as well as our Just Enough Life Insurance to Bury Me Please!
Since Asacol is primarily prescribed to treat symptoms of ulcerative colitis from occurring, you’ll generally find that having a prescription for Asacol, will affect your life insurance application outcome.
Asacol is prescription medication used to treat ulcerative colitis, proctitus and proctosigmoiditis as well as to prevent symptoms of ulcerative colitis from reoccurring. Asacol works by affecting the substance in the body that causes inflammation, tissue damage and diarrhea.
Now as one can see, Asacol is prescribed for a wide range of conditions and symptoms, which is why, a careful examination of each individual’s health history is needed to be made before simply submitting one’s term life insurance or a whole life insurance application to a life insurance company for consideration.
What is Ulcerative Colitis? Proctitus? And Proctosigmoiditis?
Ulcerative colitis is similar to, but different from the more commonly known, Crohn’s disease.
Crohn’s disease is the inflammation of any part of the gastrointestinal tract whereas ulcerative colitis refers only to the inflammation of the lining of the colon (large intestine).
People with ulcerative colitis will likely suffer from painful open sores or ulcers inside of the colon. This will lead to stomach or abdominal pain and regular bathroom use. Ulcerative colitis is a type of inflammatory bowel disease.
Similar to ulcerative colitis, however defined more narrowly as an inflammation of the rectum and anus.
Inflamation of the rectum and sigmoid colon.
Not All Life Insurance Companies are the Same:
It’s important to understand that not all life insurance carriers will look at clients applying for life insurance while taking Asacol the same way. If used as a preventative mechanism to avoid further ulcerative colitis outbreaks, applicants should be able to receive a “preferred” or better rate.
However, if your Asacol is being used to treat more severe symptoms or active symptoms knowing which carrier will provide the best chance to secure coverage is key.
Factors that will come into play in determining if you will qualify for coverage and at what price will be based on your response to questions such as these:
- 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?
When it comes time to helping folks who have been diagnosed with ulcerative colitis find life insurance coverage one of the most important things that you’ll need to be aware of is that not all life insurance companies are going to view ulcerative colitis the same.
Some insurance company underwriting practices are going to make it very difficult to get approved while others will possibly offer well managed applicants a Preferred or better rate class!
The trick then becomes knowing which insurance company is the right company to choose!
This is why we here at TermLife2Go have chosen to remain an independent insurance brokerage, that is able to work with dozens of highly rated life insurance companies so that when we’re presented with a “high risk” applicant or applicant that doesn’t “fit” the certain criteria, we’re free to move on to another insurance company, one that will be the perfect fit for you!
So what are you waiting for? Just give us a call today and see just what we can do for you!
Lastly, for those who would like to get an idea about how much their life insurance might cost before speaking with an agent, we would recommend that they check out our Term and Whole Life Insurance Quotes page when you have a few moments to spare.