When we locate the top life insurance companies for our client’s health conditions, we provide them simple options to choose the best rated life insurance companies as well as the best no medical exam life insurance choices.
Keep reading if you’d like to understand how to get life insurance with ulcerative colitis.
Ulcerative Colitis Life Insurance
There are a variety of illnesses that can make securing life insurance challenging. Ulcerative colitis is one of these health conditions.
People are sometimes denied life insurance due to their health, but that often is due to applying with the wrong company.
Many applicants – if not most- will be able to get a life insurance policy with ulcerative colitis. By understanding the right information, you will improve your chances of qualifying for life insurance.
Can You Get Approved Life Insurance with Ulcerative Colitis?
The short answer is…
Now it might not be easy and as simple as someone applying for life insurance without health conditions.
However, the great news is that people with health conditions like ulcerative colitis will often still get an approval for life insurance coverage.
You will need help, however!
Use an independent life insurance agent whenever you’re shopping for life insurance with a high risk health condition.
When you’re healthy, it’s a simple process of selecting a company with the lowest rate. It’s easy to shop and qualify for life insurance when you’re in perfect health.
At Life Insurance Blog, we help our clients with health risks. We’re experts in finding the life insurance companies that will provide you the best chance at qualifying for coverage. We eliminate the ones that won’t offer a policy or will rate you at a higher premium.
How does ulcerative colitis affect life insurance?
Let’s start with the basics and find out what exactly is ulcerative colitis and how it can affect life insurance.
Ulcerative colitis is not Crohn’s disease even though it is similar.
People with Crohn’s disease suffer from an inflammation to any parts of their GI tract. Ulcerative colitis on the other hand, has only inflammation to the lining of the large intestine or colon. Ulcerative colitis is one type of inflammatory bowel disease.
Symptoms of ulcerative colitis include:
- Stomach pain
- Stools that are bloody
- Loss of strength
- Bleeding of the rectum
If you have ulcerative colitis, you will probably endure open sores (ulcers) in your colon that are painful. This will typically progress to abdominal or stomach pain as well as frequent trips to the bathroom.
Types of Ulcerative Colitis
Ulcerative colitis can be broken up into five categories because of their differences. Due to the large intestines length, ulcerative colitis sufferers may endure pain in the entire intestine or just a portion.
5 Categories of Ulcerative Colitis
- Fulminant colitis. The entire large intestine is involved. Symptoms are severe and may include a colonic rupture.
- Left sided colitis. Progresses to the descending colon.
- Universal or Pancolitis colitis. The entire large intestine is involved.
- Proctosigmoiditis. Reaches past the rectum and into the sigmoid colon.
- Ulcerative proctisis. The rectum is the only area involved.
The type and severity of your ulcerative colitis will have an affect on your chances of an approval and what you’ll ultimately end up paying for life insurance.
How can I get life insurance with Ulcerative Colitis?
In the majority of cases, ulcerative colitis symptoms will develop over a period of time instead of quickly.
There are cases where your ulcerative colitis is managed and controlled. However, there are other cases where ulcerative colitis is absolutely debilitating and may lead to complications that are life threatening.
This is why life insurance companies will want to know details of your ulcerative colitis before offering you a life insurance policy.
The great news is that with the help of your independent life insurance agent, you’ll get the best chance a an approval at the lowest rates available.
Ulcerative Colitis and what life insurance companies look at
All life insurance companies look into the health conditions of every applicant.
When it comes to ulcerative colitis, life insurance companies will want to know some answers to these questions.
- What was your age and date of diagnosis?
- What type of ulcerative colitis do you have?
- When was the most recent time you suffered symptoms?
- What brings on your ulcerative colitis symptoms?
- Can you avoid these ulcerative colitis triggers?
- How do you treat your ulcerative colitis (medication, surgery, diet, etc.)?
- Results of lab work, tests and endoscopies?
- What is your current health status?
Every life insurance company will look at your situation differently.
Some companies may be more strict and want more details of your health. The answers to all of these health questions will help determine if the life insurance company will offer you a policy and at what price.
How much will my insurance cost with ulcerative colitis?
For the majority of people with ulcerative colitis, you’ll have a rate that is a little more than someone without a health condition.
This simply means that most will be approved at “Standard” rates. “Substandard” rates are also a possibility depending on the specific details and severity of your ulcerative colitis.
The basic factors that will influence your life insurance rate are:
- Type of life insurance
- Benefit amount
- Overall health
These rates are not as inexpensive as “Preferred” rates that are offered to those in perfect health.
For those with severe ulcerative colitis, you may still get offered a life insurance policy…
…but the benefit amount may not be what you’re wanting.
What if I won’t qualify for life insurance with ulcerative colitis?
Sometimes life insurance applicants are denied life insurance.
This is an unfortunate situation for some, but it doesn’t mean it’s impossible to secure life insurance.
There are cases that people who have ulcerative colitis won’t qualify for a fully underwritten life insurance policy with a medical exam.
You need to know there are other life insurance options available.
The first option is to put in an application for a no medical exam life insurance policy. These policies have simplified underwriting and do not require a medical exam. Depending on the underwriting guidelines of each no exam company life insurance with ulcerative colitis can be possible.
You’ll need to know that a no medical exam life insurance policy will typically be more expensive than a fully underwritten policy. However, the no medical exam option may be your only opportunity for a life insurance policy.
Many of the best life insurance companies now offer no exam life insurance policies. It’s important that your life insurance agent provides you both no exam and traditional life insurance policies to compare before you apply.
What if you can’t qualify for life insurance with a no medical exam policy?
What if you’re denied after you apply for a traditional policy? This is a possibility for severe ulcerative colitis. When this situation occurs, a Guaranteed Issue Life insurance policy is possible.
What is the best life insurance company for ulcerative colitis?
Finding the best life insurance company when you have ulcerative colitis doesn’t have to be difficult.
Your independent life insurance agent should take the time to understand your condition, ask you the right questions and research the best companies available.
Knowing which companies will look most favorably towards your specific health will save you time and frustration.
Your ulcerative colitis is not the only factor that your agent will need to know to shop for you.
To find the best company your agent will gather details such as:
- Your medical and you family’s medical history?
- Your lifestyle (dangerous hobbies and/or occupation)?
- Type and amount of life insurance?
These are just some of the important details that are needed to receive an accurate life insurance quote. Without this, you’re probably going to apply with a company that isn’t the best rate or may even deny you.
How to get life insurance with Ulcerative Colitis
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This is where we really begin working to figure out exactly which company will get you the best rate, and how to make it happen. There are literally hundreds of companies and thousands of policy options available. We’ll make sure you get the best one.
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