Great Life Insurance Rates for those with Celiac Disease

Nowadays, it seems like everywhere you look, when it comes to diet and nutrition just about everybody seems to be worried about GLUTEN.  And while we don’t really want to enter into this debate, one thing is for certain, if you’ve been diagnosed with celiac disease, eating a gluten-free diet is essential.  Especially if you’re thinking about applying for a traditional term or whole life insurance policy.

About Gluten.

Gluten is a protein composite that consists of both gliadin and glutenin and is found in wheat, barley, rye and other grains.  It is the protein that makes dough elastic giving bread it’s “chewy” texture.

For those suffering from celiac disease (celiac sprue, non-tropical sprue or gluten enteropathy)…

It is the glutenin portion of the composite that causes their body to overact to the protein causing damage to the villi located within the small intestine.  Once damaged, the small intestine will begin having difficulty absorbing food properly which can then lead to:

  • Malnutrition.
  • Loss of bone density.
  • Infertility.
  • Along with a host of other neurological diseases and cancers.

Common symptoms associated with celiac disease.

Unlike allergies, which may trigger an anaptyctic response such as hives, itchy skin or difficulty breathing, celiac disease will generally attack ones’ digestive system which is why most symptoms will center around ones’ intestines.

Common symptoms may include:

  • Abdominal pain.
  • Nausea.
  • Diarrhea and bloating.
  • Osteoporosis.
  • Anemia.
  • Headaches and/or general malaise.
  • Bone or joint pain.
  • Mouth ulcers and/or dermatitis herpetiformis.
  • Weight loss.
  • Heartburn/gerd.

That being said however, because celiac disease is a slow progressive disease, not everyone will experience symptoms right away.  In fact it is believed that only about 20% of those who actually have celiac disease are ever diagnosed in the first place!

Which when you consider that nearly 200,000 people each and every year will be diagnosed with celiac disease that’ s pretty incredible number.

Treatment options.

Currently there are no medications that you can take to “treat” ones’ celiac disease.  Now, you may be prescribed a medication to help treat a “symptom” associated with your celiac disease, but when it comes to preventing or slowing the progression of the disease, the only know treatment is a Strict Gluten Free Diet.

The good news…

When it comes to applying for life insurance with a pre-existing medical condition, such as celiac disease, is that ultimately the rate that you qualify for will pretty much be completely up to you!

You see, if you’ve been diagnosed with celiac disease, in “theory” will should still be eligible to receive a Preferred or Preferred Plus rate on your life insurance application.  You’ll just need to demonstrate that your celiac disease under control and well managed.

And how do you do this?

You do this by maintaining a Strict Gluten Free diet which is something that only you will be able to control.  Fortunately, as awareness of this condition has increased, there has been a recent “explosion” in gluten free products within the market place which has made following a strict gluten free diet much easier than it used to be.

Questions insurance companies will likely ask to determine how well your celiac disease is being managed will likely include:

  • When were you first diagnosed with celiac disease?
  • Who diagnosed your celiac disease? A general practitioner or a GI specialist?
  • What symptoms did you experience that led to your diagnosis?
  • Are you suffering from any symptoms now?
  • Are you following a strict gluten free diet now?
  • What prescription medications are you taking right now?
  • Are you taking any dietary supplements?
  • Have you been diagnosed with any other medical conditions such as:
    • Type 1 Diabetes?
    • Turner syndrome?
    • Addison’s disease?
    • Rheumatoid arthritis?

From here, the insurance companies will generally have a pretty good idea about the “severity” of your celiac disease and know whether or not they’ll need to order additional medical records from you doctor, prior to being able to make a decision about your life insurance application.

We here at TermLife2Go…

Will also have a pretty good idea about what “type” of life insurance policy most likely be eligible for (traditional term or whole life insurance policy vs simplified issue life insurance policy).  As well as what “rate” you may receive.

But that’s not all…

You see, TermLife2Go operates as an independent life insurance brokerage that is able to work with dozens of different life insurance companies.  Which means that we don’t have to “rely” on just one or two different life insurance companies when it comes to helping our clients find the best life insurance policy that they can qualify for.

We can “simultaneously” shop dozens of different insurance companies and if we’re not happy with the results that we get from our first option, we can just move on to the next until we’re completely satisfied!

So, what are you waiting for?  Give us a call today or visit our Term Life Insurance Quotes page and see what we can do for you!

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