Life Insurance for Colitis and Crohn’s
Over 100 Carriers to Quote From. Here are a few of them!
At Diversified Insurance Brokers, we help individuals living with digestive health conditions like colitis and Crohn’s disease find affordable, high-quality life insurance coverage. With access to over 100 top-rated carriers and decades of experience in high-risk underwriting, we know exactly which companies are most favorable toward applicants with inflammatory bowel diseases—and how to present your application for the best possible outcome. Whether your condition is mild, moderate, or in remission, we can guide you to the right policy at the right rate.
Life Insurance with Colitis & Crohn’s
If you live with colitis or Crohn’s disease, it doesn’t mean you’re uninsurable. At Diversified Insurance Brokers, we specialize in helping clients with inflammatory bowel conditions find affordable, tailored coverage.
Speak with an expert who understands life insurance for chronic gastrointestinal conditions.
How Colitis and Crohn’s Affect Life Insurance Underwriting
Life insurance companies will review multiple factors when evaluating your application, including:
- Type of Condition: Ulcerative colitis, Crohn’s disease, or indeterminate colitis.
- Severity and Flare Frequency: Occasional, mild flare-ups are typically viewed more favorably than frequent, severe episodes.
- Medications Used: Mild treatments (like mesalamine) may receive better ratings than long-term steroid or biologic use.
- Hospitalizations or Surgeries: Past bowel resections or hospital stays for severe flares may impact approval.
- Other Health Concerns: Any complications such as anemia, malnutrition, or related cancers will be considered.
Who This Coverage Is Best For
- Individuals with mild or well-managed colitis or Crohn’s.
- Applicants in remission for 1+ years.
- Those with recent diagnoses but minimal symptoms.
- People who have been declined by other insurers due to digestive health history.
Typical Life Insurance Outcomes for Colitis and Crohn’s
- Mild, infrequent symptoms: Standard or near-standard rates possible.
- Moderate symptoms or regular medication use: May qualify with mild table ratings.
- Severe, active symptoms: Coverage available, but at higher ratings or after stabilization.
Every case is different, and we shop your application to carriers with the most favorable guidelines for inflammatory bowel conditions.
Why Work With Diversified Insurance Brokers
- Access to 100+ A-rated carriers: More choices mean better approval odds and lower premiums.
- High-risk underwriting expertise: We know which carriers are most lenient for colitis and Crohn’s cases.
- Confidential, personalized service: Your health details are handled with discretion.
- Custom policy options: Term, whole, or universal life coverage designed to meet your needs and budget.
Example Case
A 38-year-old man with mild ulcerative colitis, managed with oral medication, had been symptom-free for 18 months. He was declined by a direct-to-consumer carrier. We matched him with an insurer experienced in underwriting IBD cases and secured a $500,000 20-year term policy at Standard rates—saving him over $700 annually compared to the alternative offers.
Take the next step: Complete our secure colitis and Crohn’s life insurance request form and let us shop the market for your best options.
FAQs: Life Insurance for Colitis & Crohn’s
Can I get life insurance if I have colitis or Crohn’s disease?
Yes—even with inflammatory bowel disease (IBD) such as colitis or Crohn’s you can often get coverage. The outcome depends on how active your condition is, how well you’re managed, and whether there are complications.
What condition details do insurers evaluate?
They’ll look at the specific type of IBD (colitis vs Crohn’s), how often you have flare-ups, what medications you use (milder ones vs steroids/biologics), any surgeries you’ve had, hospitalizations, and other health complications like anemia or malnutrition.
What kinds of rates or classifications are typical?
If your disease is mild or in remission with infrequent symptoms, you may qualify for standard or near-standard rates. For moderate or active disease with more frequent treatment, higher ratings or table classification are more likely.
Who tends to do best when applying?
People who’ve been symptom-free or in remission for at least a year, use mild medication, have no recent hospitalizations, and have good overall health are most likely to get favorable offers.
What policy types are available?
Term policies, whole or universal life are common choices. If underwriting is tougher because of active disease or complications, simplified-issue or guaranteed-issue policies may also be options.
How can I improve my approval chances or lower premiums?
Maintain good disease control, keep medical follow-ups consistent, avoid complications, provide clear medical documentation, avoid tobacco, and work with agents/brokers who know which carriers handle IBD cases favorably.
