Life Insurance with Irritable Bowel Syndrome (IBS)

Finding life insurance with IBS can be stressful, I’m Insured are experts in helping people with pre-existing medical conditions find the most suitable cover.

Irritable Bowel Syndrome (IBS) and Life Insurance: what you need to know

Finding life insurance with irritable bowel syndrome can feel awkward and sometimes stressful. Having to disclose information regarding your IBS may feel uncomfortable.

Life insurance for people who suffer with IBS is accessible and depending on the individual and the insurer, it is possible to obtain at a standard rate. However, it is best to be prepared for the process and understand what information is required.

What is irritable bowel syndrome?

Irritable bowel syndrome is a common condition which affects the digestive system. It is reported that in the UK, it affects as many as 2 in 10, with it affecting women more commonly men.

Sufferers of irritable bowel syndrome report mild to severe symptoms, this is depending on the individual. Symptoms often include bloating, constipation and diarrhea.

The exact cause of IBS is unknown to doctors; however, they do know that it is usually a lifelong problem, without a cure. However, it can be treated successfully through medication and dietary changes.

Can I get life insurance with irritable bowel syndrome?

If you have a diagnosis of irritable bowel syndrome prior to your application for life insurance, you can get life insurance. However, this may vary for each provider.

It is possible to get life insurance with IBS without an increase in the premium, however, if your IBS is more severe, life insurance providers may increase the cost.

To get irritable bowel syndrome life insurance, insurers typically want to know more information regarding your condition. This may also include obtaining medical evidence to support your life insurance application.

Why do insurers need to know about irritable bowel syndrome?

If you have a diagnosis of irritable bowel syndrome at the time of or prior to your life insurance co, it is considered to be a pre-existing medical condition. It is common for insurers to ask further questions regarding your IBS.

Life insurance providers want to know more about your medical condition as it helps them to assess how likely you are to claim. This helps them to determine what policy to offer you and also the cost of cover.

What information do you need to provide to insurers if you have IBS?

To provide the most accurate life insurance quote, providers will ask a wide range of questions to paint a clearer picture of your lifestyle.

Questions typically include your height, weight, occupation and medical history. If you have IBS, they are more likely to ask specific questions. While this may vary for each life insurance, you can expect to be asked:

  • The data you were diagnosed with IBS
  • The severity of your irritable bowel syndrome
  • If you have experienced symptoms in the last 6 months
  • Medication you are taking for IBS

It is important that you include as much detail as you can about your condition when applying for life insurance, this helps insurers to provide accurate health insurance. Failure to inform a provider about your condition may affect future claims.

Support with your IBS life insurance application 

I’m Insured are an independent insurance broker with specialist knowledge in finding cover for people with pre-existing medical conditions. 

Our expert team is able to look across a number of providers to find the most suitable life insurance for your personal circumstance. 

If you’ve had a life insurance application turned down due to IBS, I’m Insured still may be able to help you. For support and assistance with your life insurance application, you can get a free quote online and we’ll be in touch.

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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.