The cause of Crohn’s disease is yet to be discovered with symptoms most commonly starting between the ages of 10 & 40.
With regard to a life insurance application, a person who suffers from Crohn’s disease who wishes to check their eligibility for such cover will have to give consideration to a number of factors. Firstly, the severity of the condition is of particular relevance. As a general rule, the more mildly classified cases will be easier to place with an insurer and often do not have any implications in terms of increased costs. For example, a person who has been diagnosed for 6 months or more with Crohn’s disease and the condition is well managed with mild to moderate symptoms will find they have a wide choice of insures and products to choose from.
For more severe cases, the job does become harder and for these examples it is well worth spending the time talking through the exact details of your condition with a broker such as I’m Insured so that they can approach the insurers to see which ones will look most favourably on your circumstances. Expect any insurer to ask to write to your doctor to get more specific details about your condition over and above what will be provided during the application.
If you are considering some life insurance and would like to talk through how Crohn’s disease may or may not affect your application, we are here and available to talk through your circumstances and give you a good idea of where you stand.
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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.