Crohn’s Disease Life Insurance
If you suffer from Crohn’s Disease, you may have found many Life Insurance companies increase their premiums due to the condition. We have put together some information about the condition to give you a better understanding of why this may be the case.
Life Insurance with Crohn’s Disease
When applying for a Life Insurance, providers will often ask specific questions to better understand the severity of your condition. It is important that they understand the impact the condition has on your day-to-day life, as well as how well the Crohn’s is managed. Some examples of questions that you may be asked are:
- When your Crohn’s was diagnosed?
- If you have had or are awaiting surgery?
- The extent of your Crohn’s
- What medication you take?
- If you have experienced any complications caused by the Crohn’s?
- When you last suffered a major attack.
How you answer these questions will determine the cost you pay for Life Insurance, as a rule of thumb, the milder the condition, the cheaper the premiums.
Get a quote for Crohn’s Disease Life Insurance
Your Life Protected have years of experience helping clients with Crohn’s Disease secure Life Insurance and know how different insurers underwrite the condition. After an initial fact find we will be able to quickly identify which provider will be most sympathetic to your situation.
To find out more about our process, or to obtain a quotation for life insurance with Crohn’s Disease, simply click on Get a Quote or give our experts a call on 01275 404268.
- Will Crohn’s affect my Life Insurance premium?
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In most cases, the answer to this question is yes. With Crohn’s Disease being a long-term condition, insurers need to factor in that there may be ongoing treatment and possible surgeries down the line, therefor your premiums will likely increase to reflect the additional mortality risk.
- Can I get Critical Illness Cover with Crohn’s Disease?
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Securing Critical Illness Cover with a diagnosis of Crohn’s can be slightly trickier. Insurers typically act on the side of caution when it comes to this type of product, therefor underwriting guidelines are much stricter! This said, for well managed cases of Crohn’s Disease, with no pending procedures cover can often be considered.
- How much with Life Insurance cost with Crohn's?
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The cost of a Life Insurance policy when someone has Crohn’s Disease can vary greatly, as several other factors are considered. Things Like your Age, Smoking Status, BMI and other medical conditions are all assessed. Also, the type and level of cover you are looking for will all impact on the price. In most cases though, the cost you will pay will certainly be higher than a comparative policy for someone without Crohn’s. The best way to get a price will be to speak with one of our advisers.
- My Crohn’s Disease is now well controlled, can I get a better price?
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Many people may have taken out Life Insurance shortly after a diagnosis of Crohn’s, or during a flare-up. Because of this you may be paying a much higher premium then you need to, especially if your Crohn’s is now better controlled. If some time has passed since you secured a policy, it’s always worth seeing if better options are available.
