Have you been declined for life insurance due to Ulcerative Colitis?
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 Ulcerative Colitis? And if so…
2. How much will it cost?
Yes, most individuals with Ulcerative Colitis will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – Best case for Ulcerative Colitis is one that has been diagnosed early, symptoms of rectal bleeding minimized and complications of massive hemorrhage prevented. These cases usually get a “Standard” rating. For cases that have been treated with surgery (colectomy), they may be given a “Mild Substandard” health class. Click here for quote at “Standard” or “Mild Substandard.”
Moderate Case – Those cases that develop complications such as colon strictures or perforations, which increases the incidence of symptom outbreak, 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 Ulcerative Colitis?
The number of years with a diagnosis of Ulcerative Colitis will help determine good or poor control of the condition. It will also help establish the possibility of complications like benign strictures or neoplasia . These cases 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 rectal bleeding means there is a good chance of control in the elimination of the symptoms of tenesmus and abdominal pain. Avoidance of the trigger factors eliminate the risk of having flare symptoms and therefore may get you a “Mild Substandard” or “Medium Substandard” rating.
3. Do you have a history of surgery (colectomy)?
A history of colectomy may be a sign of severe symptoms that may have required immediate treatment and management. This also presents a higher risk for serious complications like severe bleeding or infection. This could mean a “Medium Substandard” rating.
4. Are you following a special nutritional diet?
Being aware of the special nutritional diet for Ulcerative Colitis may mean that you have a good chance of control of the symptoms of diarrhea. Compliance to it may earn you a “Mild Substandard” rating.
5. Are you taking medications for your Ulcerative Colitis?
Medications such as steroids, antibiotics or ASA agents are not a good sign because it means that you have a mild or moderate case of Ulcerative Colitis. This may cause a rating of “Medium Standard.
6. Have you had any endoscopic and laboratory tests in the past six months?
A recent proctosigmoidoscopy and/ or laboratory tests include blood ESR, CRP and platelet count will show your actual health condition.
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 Ulcerative Colitis
Ulcerative Colitis is a type of an inflammatory bowel disease (IBD) caused by a chronic autoimmune mediated disorder. The parts commonly affected are the mucosal areas of the rectum and the colon.
Factors that were associated with Ulcerative Colitis include genetic history of autoimmune disease; environmental causes such as diet and use of Accutane have also been named.
Distinct with Ulcerative Colitis symptoms that differentiate it with other IBDs include symptoms such as diarrhea, rectal bleeding, tenesmus (feeling of incomplete bowel movement) and crampy abdominal pain.
Related Keywords: IBD, colitis, ulcerative colitis, toxic colitis, megacolon