We know it can be frustrating searching for a life insurance policy with a history of Irritable Bowel Syndrome.
The good news is there is hope. At Risk LifeI nsurance Agency, we specialize in “high risk” life insurance.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Irritable Bowel Syndrome? And if so…
2. How much will it cost?
Yes, most individuals with Irritable Bowel Syndrome 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 – Most cases of Irritable Bowel Syndrome are mild, and symptoms of abdominal pain, diarrhea or constipation are well controlled with medications. Medications include antispasmodics, fiber supplements, antidiarrheals and GIT modulators. Compliance with these medications reduces the attacks and, therefore, may get a “Standard” rating. Click here for quote at “Standard.”
Common Questions to Assess Rating Class
If you’re unsure if you will qualify for the Standard health class to quote yourself, please see the questions below:
1. How many years since you were diagnosed with Irritable Bowel Syndrome?
The number of years with a diagnosis of Irritable Bowel Syndrome will help establish whether there is good control of the condition. Chances are symptoms would have been decreased with earlier diagnosis and proper management implemented. Most of these cases will get a “Standard” rating.
2. Are you aware of the factors that trigger the symptoms of your Irritable Bowel Syndrome?
Knowledge of the trigger factors that cause diarrhea or constipation and abdominal pain means you are on top of your condition and you are well aware how to eliminate the symptoms. Evidence of relative avoidance of the trigger factors may get you a “Standard” rating.
3. Are you following a special nutritional diet?
Depending on the symptoms of IBD, whether it is diarrhea or constipation, there are special diets that can be followed to manage these symptoms. Awareness of your special nutritional diet means you are proactive in the management of your condition. Compliance to your diet may earn you a “Standard” rating.
4. Are you taking medications for your Irritable Bowel Syndrome?
Medications may include antidiarrheals, antispasmodics or GIT modulators. Compliance to your medications may get you a rating at “Standard.”
5. Have you experienced severe symptoms of your Irritable Bowel Syndrome for the last six months?
Flare symptoms of severe abdominal pain and excessive diarrhea or constipation within the last six months may be a sign of an underlying medical condition and may need further assessment and evaluation.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” 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 Irritable Bowel Syndrome
Irritable Bowel Syndrome (IBD) is not a disease in itself; rather it is a functional disorder characterized by recurrent symptoms of chronic abdominal pain, stomach discomfort, feeling bloated and alteration in bowel habits (diarrhea or constipation).
These symptoms often occur without any detectable structural problem in the digestive system. That is why the condition is solely based on clinical presentations and diagnosis of Irritable Bowel Syndrome is difficult.
Factors that are associated with Irritable Bowel Syndrome include age over 50 years, bowel infection or colitis, family history of IBD and stress related causes.
Related Keywords: Irritable bowel syndrome, IBS, spastic colon, diarrhea, constipation