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Qualifying for Life Insurance with Pancreatitis

Researcher & Writer
August 10, 2017

Do you currently or have you previously been diagnosed with pancreatitis?

If so, you might be wondering if it is still possible to qualify for a traditional term or whole life insurance policy.

Or maybe…

You’re just wondering if having been diagnosed with a pre-existing medical condition like pancreatitis in the past is this previous diagnosis going to cause you to have to pay more for your life insurance that you would have to if you hadn’t previous suffered from pancreatitis?

Now if this describes you…

The good news is that you’ve come to the right place.  You see, here at TermLife2Go, we love to help folks find the best life insurance policy that they can qualify for and understand that the best way to help our clients find that insurance policy is to make sure that they are well informed.

This is why…

We’ve chosen to write this article so that you can have a better idea about what the process of applying for life insurance will look like after you’ve been diagnosed with pancreatitis and how that previous diagnosis may affect the outcome of your application.  So, without further ado, let’s dive right into it!

What is Pancreatitis?

Pancreatitis is when your pancreas gets enlarged.

What is the pancreas?

This is a gland in your abdomen (near the stomach and small intestine). The pancreas’ job is to help with digestion as well as hormonal balance.

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Types of Pancreatitis

Acute Pancreatitis: this is usually a one-time type of pancreatitis. However, it can still be serious and can cause significant damage to your lungs, kidneys or heart.

Chronic Pancreatitis: This is an ongoing form of inflammation.

How do you get Pancreatitis?

One of the most common causes of chronic and acute pancreatitis can be the result of excessive alcohol consumption on a regular basis (alcoholism). However, this isn’t the only cause of either. Other causes of pancreatitis include:

  • Genetics
  • Gallstones
  • Cystic fibrosis

At this point...

We always like to point out to folks that we’re not medical experts, we’re just a bunch of life insurance agents.  So… always consult with a medical doctor if you feel that you are suffering from any type of medical illness.

Qualifying for Life Insurance with Pancreatitis

Not all pancreatitis is created equal, and life insurance companies knows this. The job of a life insurance underwriter is to assess risk. There are different risk levels associated with pancreatitis.

So if you…

Had pancreatitis but have been cured of it for more than two years, then you should “theoretically” be eligible for a traditional term or whole life insurance policy and would most likely be very interested in our article: "Best" Life Insurance Quotes from Today's Top Life Insurance Companies.   You might even be able to qualify for a No Medical Exam Life Insurance Quote as well - that is, if you have no other health problems that would prohibit an underwriter from issuing you a policy.

You can even qualify for a preferred rate!

Yes, even if you had pancreatitis in the past, you can still get a preferred rate. You should have recovered from pancreatitis at least two years ago. And you don’t have any other major health issues or lifestyle risks (smoker, etc)

Will all life insurance policies offer me a preferred rate?

No. Life insurance companies all function differently. You may have some minor medical issue that is a complete red flag to some life insurance companies, but other life insurance companies may see it as no big deal. Just because you have recovered from pancreatitis doesn’t mean every life insurance company will offer you a preferred rate.

Finding a life insurance company that will offer a preferred rate.

This isn’t easy to do as someone who has little to no experience in the life insurance industry. The best way to find a preferred rate is to ask an expert for guidance. You can call Just Bury Me and we will help you find a great life insurance rate.
If you still have pancreatitis…

Then you will likely be denied at traditional term or whole life insurance policy.  Particularly if it is chronic pancreatitis. This is seen as a big risk factor by most life insurance companies.

But wait!

That doesn’t mean you have to let go of your dream of providing your family or loved ones with some security.

Apply for Guaranteed Issue Life Insurance!

This may not be as great as a whole or term life insurance policy, but if it’s your only option, then it’s definitely an option worth considering!

Guaranteed issue life insurance will provide your family with the means to pay for your final expenses. Keep in mind, most guaranteed issue life insurance policies come with a graded death benefit for the first two or three years (which would prevent your guaranteed issue life insurance policy from paying a death benefit for natural causes of death).

Aren’t sure which life insurance you will qualify for?

Then the best thing you can do is to call TermLife2Go. We will help you to get the life insurance coverage that will help you protect your family after you are gone.

How do we do it?

We get to know everything about you that a life insurance company would. Then we make a personalized recommendation that suits YOU.
This means…

If two people with pancreatitis call TermLife2Go, it’s very likely that we will make two totally different life insurance recommendations.

That’s because…

Life insurance shopping is very personal! What’s best for you is probably not what’s best for someone else.


If you try to find a life insurance policy on your own, you may find a good one… but will you find a great one?

Give us a call today or visit our Online Life Insurance Quotes page and see what we can do for you!

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We are a team of life insurance experts with the simple mission of helping you find the best coverage for your unique situation. We research, review, and rank life insurance companies to make that process easier.