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Great Life Insurance Rates for those with Celiac Disease

Director of Insurance
April 01, 2020

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.

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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 for celiac disease

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.

Celiac disease and life insurance

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, you could 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.

How to manage celiac disease

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.

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!

Written by
Nina.Simmons
Nina has spent over a decade creating and managing content to help people find the resources online that they need and want. Her diverse experience spans working with billionaires to beauty queens, but the common thread has remained to get people the help they need online. When Nina isn’t thinking about connecting the digital dots, she is spending time with her husband, daughter and rescued boxer in Phoenix, Arizona.