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Ulcerative Colitis and Life Insurance
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.
How to get life insurance with Ulcerative Colitis
What is ulcerative colitis?
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.
If you suffer from ulcerative colitis, you may experience:
- Bloody stools
- Rectal bleeding
- Stomach pains
Not all ulcerative colitis is the same. The large intestine is roughly five feet long; patients with ulcerative colitis may experience pain in all or only a section of their large intestine. Usually, the more area affected, the more severe the ulcerative colitis. There are five categories of ulcerative colitis, all of which start with inflammation of the rectum:
- Ulcerative proctisis involves only the rectum
- Proctosigmoiditis goes beyond the rectum to the sigmoid colon
- Left-sided colitis goes further to the descending colon
- Pancolitis/universal colitis involves the entire large intestine
- Fulminant colitis involves the entire large intestine, and has more severe symptoms such as possible colonic rupture
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.
What will happen when I apply for life insurance with ulcerative colitis?
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.
Why might ulcerative colitis lead to a premium even though it is not life-threatening?
Ulcerative colitis is rarely life-threatening, which is why in many cases, a person will not be charged a premium. However, it is a life insurance company’s job to assess overall risk. Like most medical conditions, ulcerative colitis can lead to other risk factors, especially when combined with additional health problems or lifestyle choices.
What if I have been denied a life insurance policy in the past?
If you have already applied for a life insurance policy only to be rejected because of your ulcerative colitis, don’t worry; you could still be approved today. Not all high risk life insurance companies are the same; there is a chance you applied for a life insurance policy offered by a company that is not sensitive to your medical conditions and needs. Some life insurance companies are more suitable for certain medical conditions such as ulcerative colitis than others. Even if a life insurance company is more lenient on other diseases such as muscular dystrophy or multiple sclerosis, doesn’t mean that it will be the right life insurance company for someone with ulcerative colitis.
Which life insurance company should I choose?
You are a person with ulcerative colitis, but you are more than that. To know which ulcerative colitis friendly life insurance company you should choose, you need to consider all the facts. It is important to consider your other medical conditions (if any), family medical history, lifestyle choices, and the kind of life insurance coverage you desire before you pick a life insurance company. Factoring in so many variables makes it difficult for a person outside of the life insurance industry to make the right choice. That’s why you need TermLife2Go.
TermLife2Go is an impartial entity with one primary goal: to help you get the best possible coverage for your life situation. We have a thorough understanding of the different types of life insurance policies offered by dozens of life insurance companies in the United States, but we have no reason to promote any particular agency over the next: like we said, our only objective is to get you the right life insurance policy. We do this by learning about your life and needs, and then short-listing suitable policies, letting you make the final call. TermLife2Go always has the policy seeker’s best interest at heart.
If you would like to know more about TermLife2Go or would like to a free consultation, then please contact us today.
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