Life Insurance with Crohn’s Disease

Finding Crohn’s Disease life insurance may be uncomfortable, the I’m Insured team are experts in finding the most suitable life insurance for you, at a reasonable price.

Crohn’s Disease and Life Insurance: what do you need to know?

When it comes to finding life insurance with Crohn’s Disease, finding the right cover to suit you can be stressful. It may also feel awkward or uncomfortable to discuss details of your condition.

Fortunately, life insurance with crohn’s disease is becoming easier to access and . However, if you are looking to find suitable cover, it is best to be prepared and to understand what life insurance providers will need to know about your condition.

What is Crohn’s disease?

Crohn’s Disease is an inflammatory condition whereby the digestive system becomes inflamed. It is a type of inflammatory bowel disease (IBD), another type of IBD is Ulcerative Colitis.

Symptoms tend to start in early childhood or adolescence and include fatigue, weight loss, stomach aches and diarrhea. Flare-ups can often be unpredictable which make living with the condition difficult at times.

Crohn’s disease is a lifelong condition that has no cure; however, medication and surgery is often used to treat symptoms and allow an individual to lead a normal life.

Can I get life insurance with Crohn’s disease?

If you have a diagnosis of Crohn’s disease prior to your life insurance application, you are still able to get life insurance. However, as it is a chronic and lifelong condition, cover may be more expensive.

It is important to note that each insurance provider is different, and they will often request further information about your lifestyle and your condition before offering life insurance to someone who has a pre-existing medical condition.

Why do insurers need to know about Crohn’s disease?

As Crohn’s Disease is a pre-existing medical condition, typically insurance companies will want to know further details relating to your IBS before offering life insurance. 

Further information relating to your conditions helps insurers to determine what level of cover you need and how likely you are to claim. This ultimately determines how likely they are to offer you life insurance.

What information do you need to provide to insurers if you have Crohn’s disease?

Specific questions regarding your Crohn’s disease may vary for each life insurance provider, however you can expect them to include:

  • The date of your Crohn’s disease diagnosis
  • Disclosure of any hospital admissions
  • Details of any medication you take for Crohn’s
  • How your Crohn’s disease affects your day-to-day life, (e.g. time off work)

The more detail you can provide about your Crohn’s disease, including accurate dates, the higher your chance of getting life insurance will be. Insurers will typically review applicants on a case-by-case basis, so providing up-to-date evidence can benefit your application.

If you have had surgery or hospital admissions recently for your Crohn’s, your premiums could increase. However, if your Crohn’s disease is under control, it is likely you will be able to take out life insurance at a standard premium.

Support with your Crohn’s disease life insurance application 

The cheapest life insurance policy is not always the best policy, particularly for people with Crohn’s disease. Speaking to an independent insurance broker can help you to find the most suitable policy for you, at a reasonable price.

I’m Insured are a specialist broker with vast experience in helping people with pre-existing medical conditions find the right life insurance. 

For support in your life insurance application, you can contact our friendly team or get your free quote to begin the process.

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We can also help with putting your policy into trust.

That means you can nominate somebody to look after the money if you die and there’s a payout before you want the intended recipient to get the money. A common example is parents who want to have the payout go to a child only once the child turns 18 or 21. Putting a policy into trust also ensures that the payout goes to your intended recipient and can’t be seized by creditors if you have any debts when you die. There may also be tax benefits to putting a policy into trust.