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Life Insurance with Crohn’s Disease

Licensed Life Insurance Agent/Marketing Manager
April 03, 2020

Qualifying for life insurance with Crohn's Disease can sometimes be a difficult process, especially if you don't know which life insurance company to go with. 

If you have Crohn's Disease you may have some questions about getting a life insurance policy. This article will cover the following questions:

  1. Can you get live insurance with Crohn's Disease? 
  2. How much will life insurance cost with Crohn's Disease? 
  3. What is the process to apply?
  4. What if I have already been denied coverage? 

Can I get life insurance with Crohn's Disease?

Yes, you can get life insurance. 

The key to getting life insurance is to know the right life insurance company to apply with. Each company has a different system they use to qualify people for live insurance and to determine the cost. Because of this it can be easier to qualify with some companies than others if you have Crohn's Disease. 

The more severe your Crohn's Disease the more difficult in may be to qualify for life insurance. If you are having a hard time qualifying or if you are worried you won't qualify you should consider a guaranteed issue life insurance policy

A guaranteed issue policy won't take your health into consideration, as long as you are in the eligible age range and looking for the approved amount of coverage, you can get life insurance. It is important to note that the coverage amounts on this type of life insurance policy are much lower than a traditional policy. 

How much does life insurance cost with Crohn's Disease?

As previously mentioned the severity of your Crohn's Disease is going to impact the rate. Other things that life insurance companies take into consideration when determining your rate are your age, health, gender, and lifestyle among other things. 

Other areas that can affect how much life insurance will cost is the type of policy that you choose and the amount of coverage you apply for. 

Term life insurance is the cheapest type of life insurance. However, it is only in place for a specific period of time. If you are looking for coverage to last through your life you may want to consider a whole life or universal life policy. 

Your rate is determined by the life insurance company. It is important to shop around and find the right company so you can qualify for life insurance.

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What is the process to apply for life insurance?

We already touched on the process of a guaranteed issue life insurance policy. If you choose to go with a more traditional policy, you can expect a more in-depth process with a life insurance medical exam.

In most cases the person doing the exam will come to your home. They will check things such as height and weight along with taking a blood and/or urine sample. The life insurance company can also access your medical records along with getting a list of your past and current prescriptions. They will use all of your health information along with your application to determine if you qualify for life insurance and how much it will cost. 

If you are worried about taking the medical exam you may be able to choose to do a no exam life insurance policy. This process will allow you to skip the medical exam and fill out a health questionnaire. The company will use your health information paired with your application to determine you eligibility and cost for life insurance. In many cases a no exam policy is only a few dollars more per month than taking the exam, so it might be worth considering. 

What if I have been denied life insurance coverage?

Qualifying for life insurance with Crohn's Disease can be difficult. If you have been denied coverage by one company, you can still apply with another life insurance company. As previously mentioned the company that you apply with makes a big difference. 

Your best bet to find the right company to apply with is to work with a life insurance agent. They can help guide you through that process and help you get coverage. An agent can also provide you with rates from multiple companies so you can pay less for your coverage. 

If you don't have a life insurance agent give us a call and we can help you find the right life insurance company and the right policy for you and your family. 

Written by
Chelsie Ball
Chelsie is fixated on developing innovative ways to present complex ideas and maneuvering people to the information they need. She has worked in digital marketing for the past eight years and has been a licensed life insurance agent since 2010. When she isn’t looking out for the user, you can find her watching Netflix or desperately trying to find a real hobby.