Have you been declined for life insurance due to Crohn’s Disease?
Don’t fret. We can help! At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Crohn’s Disease? And if so…
2. How much will it cost?
Yes, most individuals with Crohn’s Disease will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
However, these types of approvals can only be offered by life insurance companies that are accustomed to high risk life insurance cases.
Best Case Scenario – Crohn’s Disease that is detected early and the trigger factor detected may have a good chance of limiting or eliminating the symptoms of diarrhea. These cases usually get a “Standard” rating. For cases with frequent symptoms of abdominal pain, vomiting or bloody stools but have no known complications like intestinal scar tissues or stricture; they may still qualify for a “Mild Substandard” rating. Click here for quote at “Mild Substandard”.
Moderate Case – Those with complications like intestinal stricture or a history of intestinal surgery for removal of obstruction, but whose symptoms of diarrhea are now controlled may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard”.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard, Mild Substandard or Medium Substandard), please see the questions below:
1. How many years since you were diagnosed with Crohn’s Disease?
Early detection of Crohn’s Disease and symptoms of diarrhea controlled has a good chance of getting a “Standard” rating. Long term condition, however, has a high probability that complications of intestinal tissue scarring may be present and may get a “Mild Substandard” or “Medium Substandard” rating.
2. Are you aware of the factors that trigger the symptoms of your condition?
Knowledge of the trigger factors of diarrhea and abdominal pain means a proactive participation on your end to eliminate the symptoms. Compliance, however, means another thing. Avoidance of the trigger factors eliminate the risk of having flare symptoms like bloody stools and prevention of complications and therefore may get you a “Mild Substandard” or “Medium Substandard” rating.
3. Do you have a history of surgery to remove any bowel obstruction?
History of bowel surgery may be a sign of a long term or uncontrolled case of Crohn’s Disease. This also presents a higher risk for serious complications like colon cancer. This could mean a “Medium Substandard” rating.
4. Are you following a special nutritional diet?
Being aware of the special nutritional diet for Crohn’s Disease means a good chance of control of the condition. Compliance to it may earn you a “Mild Substandard” rating.
5. Have you had any endoscopic tests in the past six months?
Recent endoscopic tests like colonoscopy or gastroscopy will show the condition of your entire digestive system. This can be the best way to assess your health class depending on whether complication of tissue scarring is present or not.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “Standard” to “Severe Substandard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Crohn’s Disease
Crohn’s Disease is an inflammatory bowel disease (IBD) that may involve the entire gastrointestinal tract from the mouth down to the anus, but the most commonly affected area is the ileum. That is why it is also referred to as regional enteritis, ileitis or enteritis.
Crohn’s Disease is caused by several factors that include genetic family history, bacterial infection or autoimmune conditions.
The disease may extend into the deep lining of the digestive tissues that causes the symptoms. Symptoms include diarrhea, abdominal pain, bloody stools, weight loss and vomiting.
Related Keywords: Crohn’s Disease, inflammatory bowel disease, IBD, ileitis, enteritis, chronic diarrhea