Term Life Insurance With Celiac Disease

Term Life insurance with celiac disease

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Term Life Insurance With Celiac Disease

People suffering from digestive tract illnesses are pretty common. There millions of americans dealing with celiac disease, digestive tract diseases and other pre existing health conditions. It can be extremely uncomfortable in your everyday life when you have a bowel disorder. 

There are several digestive tract disorders but the most common are diverticulitis, celiac disease, and inflammatory bowel disease. All of these conditions will be identified by the insurance companies when you apply for life insurance, but will it significantly affect your ability to secured coverage? Is term life insurance with celiac disease possible?

Digestive tract disorders and life insurance

Digestive tract disorders and what are they?

8 digestive tract disease or disorder may include any condition that affects your digestive tract. your digestive tract includes several areas of your body:

  • Liver
  • Pancreas
  • Intestines
  • Stomach
  • Gallbladder

Digestive tract disorders typically manifest with discomfort, weight change, bloating, swollen stomach, and vomiting. When you eat certain types of food or drink certain beverages this condition is often aggravated.  Digestive tract disorders  encompasses a wide range of difficulties. These problems can be temporary or permanent. It will depend on your specific issue.

What are the most common digestive tract conditions?

While these are three of the more common digestive tract disorders, there are other conditions as well.

  • Inflammatory bowel syndrome. this Category encompasses many types of conditions. However, they all affect the colon and or small intestine.
  • Diverticulitis. This is when pockets of your colon become inflamed and can later turn into an infection and cause pain.
  • Celiac Disease. this is when your small intestine has a reaction due to gluten consumption.

Other conditions include gallstones, peptic ulcer disease, reflux disease, hemorrhoids, anal fissures, and cholangitis.

Is it a big deal to life insurance companies if I have celiac disease?

Life insurance companies simply want to know if you have a condition, disease, or have a lifestyle/ job that is risky and may shorten your lifespan.  This is what underwriting is all about. The life insurance company researches your current and past health, medication history, your job duties & lifestyle during the underwriting process.

They look to see what is important and what is not. The majority of the time diverticulitis, inflammatory bowel, bowel disease and celiac disease do not pose a risk for an early death. That is the great news  and it is true for most cases. These conditions typically receive a standard health class rating,  but you will be flagged as a high-risk life insurance candidate.

These conditions are typically manageable for most people. The majority of people with diverticulitis, celiac disease, and inflammatory bowel — it’s a case of major inconvenience.  With the help of a doctor, your symptoms will hopefully become manageable with a good plan will not experience significant health issues. When this is true, it’s likely that most life insurance carriers will recognize you have the disorder and still offer you a standard life insurance policy.

it’s typically better when there’s a longer duration from when you were diagnosed to when you apply for life insurance. If you were recently diagnosed,  the life insurance companies may look at you as more of a risk.  if it’s been several years with few incidents, The life insurance companies should look at you more favorably.

What life insurance health class ratings can I expect with celiac disease?

Is your celiac disease controlled? How well is it controlled and are you free of complications? You can expect to receive a standard health class ratings if there aren’t complications and your celiac disease is controlled.  You shouldn’t get rated above standard if this holds true.  

There are some carriers that may offer rates better than standard with an excellent history and when you don’t have additional treatment (aside from diet).

What do I do if my digestive tract disease is severe?

There are people who have severe digestive tract disorders. Just because you have a significant case of digestive tract disease you could still qualify for a life insurance policy. It is common for people to think they will get rejected for life insurance when they have a severe condition. Each life insurance company will look at you differently. It’s possible you will even get a standard rate even with severe digestive tract disease. There are some companies who will find this extremely risky, while others will look more favorably.

Is important to find the right company for your specific situation. Life insurance companies do extensive research especially when their health conditions. During the application and underwriting process the life insurance company will investigate and determine how significant your disease is. At the end of the underwriting process they will come to a conclusion.

Before they come to a conclusion they will want to know the following:

  • When were you diagnosed with your digestive tract disorder?
  • What is your official diagnosis?
  • What are your specific symptoms?
  • How frequently are your symptoms flare up?
  • Are you on any medication?  List your medications
  • Are you on a treatment program?
  • Do you see any specialists?  how frequently?
  • Do you smoke, drink alcohol, or use anything that may aggravate your symptoms?
  • Were you ever hospitalized due to complications or for your digestive tract disorder?

These questions are just a quick summary of what a life insurance carrier may ask about your celiac disease or digestive tract condition. They may ask additional questions.  Just remember that their primary objective is find out how significant your condition is and assess the risk.  

Sub Standard rates are the norm when your small intestine has experienced damage or complications. There are situations where you may have to choose a final expense or burial insurance options as a last resort if your case is extremely severe.

Best life insurance companies for digestive tract disorders & where do I find them?

With so many variations of digestive tract disorders and the combinations of severity, it may seem overwhelming trying to find the right company.  Every life insurance carrier will look at your situation differently and makes your research extremely difficult, if not impossible. That’s why Life Insurance Blog is here to help do the hard work for you. We research companies based on your unique situation. We’ll answer your questions and find the company that will look at your conditions most favorably.

We work with over 60 top rated life insurance companies and we’re independent.  What that means is that we work for you and not any particular life insurance company.  We help people with gallstones, celiac diseases, inflammatory bowel syndrome as well as other digestive tract disorders and help find them the best policy.  We help you filter through all of these companies and locate the policy at a price that is in your budget.

Please contact us today for a free consultation. We’ll help you understand your options and find out what is available to you.

If you’re not sure where to begin, give us a call. Our agents provide a free, no-pressure, educational approach to life insurance. We’ll compare dozens of the top companies in minutes to show you your most affordable options. Toll Free: (888) 411-1329

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Michael Quinn LIB

About Michael Quinn

Michael Quinn is the cofounder of Life Insurance Blog and a multi-state licensed life insurance agent. LIB has helped thousands of people understand life insurance and secure affordable coverage.

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