People who suffer from Crohn’s Disease, IBS & Ulcerative Colitis and want a life insurance policy can have one, however, the premium to be paid will depend on the severity of the condition that you suffer from.
Crohn’s disease and life insurance
Crohn’s disease most commonly starts between the 10 years to 40 years of age. This disease, which is more common in women than in men is understood to affect some 100,000 people in the UK. It is best to disclose the condition to the insurance company, to prevent any later stage disappointments due to rejection of a claim on account of withholding of information. People with mild to moderate symptoms will find a wide range of products and insurance companies. However, people with a more severe condition may find it hard to get an insurance policy.
Irritable Bowel Syndrome (IBS) and life insurance
This is a very commonly found disease, again prevalent more in women than in men. According to some studies, IBS affects every 2 in 10 individuals in the UK and occurs between the ages of 20 and 30 years. As it is found so common, it is a possibility that people already suffer from IBS when they are applying for life insurance. Therefore, the existence of IBS is unlikely to affect a person getting life cover. However, like with all pre-existing conditions, it is important to disclose the existence of the disease if you have one.
Ulcerative Colitis and life insurance
Ulcerative Colitis is again a very commonly found disease among people in the UK. Therefore, if you are applying for life insurance, it is possible that you already suffer from the condition. Since it is common, getting life insurance with a pre-existing Ulcerative Colitis will not be hard. However, as with all pre-existing conditions, the severity of the condition of potential policyholder and how recently did he or she had a flare-up of the condition will determine the premium outgo or cost of the life cover.
We would recommend you to talk to one of our advisers for life insurance quotes.
Any quote that your adviser provides you with will take into account your circumstances, your medical history, as well as your budget!
Call 011-3733-4610 – Monday to Thursday from 11.00 to 19.00 and on Friday between 11.00 and 16.00