Crohn’s disease life insurance
Protecting your family’s well-being is more than likely your top priority. Life insurance is the best possible way to safeguard your family’s financial future, ensuring they will have the funds they need to get by at a difficult time in the event of your death.
If you have been diagnosed with a condition like crohn’s disease, you may be concerned this will affect your ability to secure great life cover.
Crohn’s disease is a far more common medical condition than you may think, with 1 in 123 people in the UK reported to be living with a bowel condition such as crohn’s disease or colitis* – equalling over half a million people affected.
If you are one of these people, you may be concerned as to whether a pre-existing condition such as crohn’s disease could affect your chances of securing life insurance cover. We want to assure you this won’t be the case and life insurance should not be out of reach for you.
Crohn’s disease is not life-threatening and therefore does not mean that you’ll have any issues getting life insurance. You’ll often find that most of the top insurance companies offer cover, so you just need to find which is cheapest and best for you
Let’s help you to get affordable life cover to protect your family quickly and hassle-free.
About iam|INSURED – Rated #1 life insurance specialist
At iam|INSURED we specialise in finding affordable life insurance or income protection for you and your family. We’re extremely proud to be rated the UK’s #1 protection specialist by our customers.
We also specialise in finding cover for:
Our team of highly skilled experts has over two decades of experience and knowledge to help protect what’s important to you.
Our customer rating – 5.0 out of 5.0 Stars (Feefo rating)
We’re extremely proud of the high standards that we set ourselves and especially in a time where customer service levels are dropping. It’s getting increasingly difficult to find good companies that genuinely care about their customers, so we made it our mission!
*Feefo is an independent customer review service to aggregate customer feedback and reviews.
Why choose iam|INSURED?
Here are just a few reasons why we’re different and how we have helped thousands of families like yours:
- Price Match Promise* (we’ll beat any like for like fully underwritten quote)
- The UK’s 1st Medical Conditions life insurance expert
- Over 20 years of expertise helping to protect thousands of families
- FREE advice (we don’t charge for our expertise)
- Recommended by top medical charities
- Rated 5.0 out of 5.0 on Feefo
- Whole of market (Our partners include ALL the UK’s top insurers)
iam|INSURED is also 100% independent and we pride ourselves on working for you and not for insurers so you get the best cover.
Will life insurance cover crohn’s disease?
YES – Crohn’s disease is not a life-threatening illness so the majority of insurers shouldn’t have an issue with providing cover. There’s a variety of different levels of symptoms for people living with crohn’s disease so life insurance terms can be simple in most cases.
The majority of people that we help who have been diagnosed with this condition have minor to moderate symptoms. As a result, we generally find it easy to get cover for them. We’ve spoken to thousands of different clients with crohn’s disease over the past 20 years so we’ve seen lots of different scenarios.
When we complete an application for life insurance for people with crohn’s disease, we’ll have to ask normal health and lifestyle questions, plus specific questions about this condition. Some of the questions that you’ll be asked about crohn’s will include:
· When were you first diagnosed with this condition?
· Are you awaiting results or referrals for any scans, tests, investigations, or surgery?
· Have you suffered any symptoms such as eye problems, joint pain, liver disease, anaemia, or bile duct problems?
· What treatment are you on (e.g. steroids, immunosuppressants, or hospital treatment)?
· Have you had any hospital treatment or treated with medication?
· When did you last experience any symptoms or flare-ups?
These are some of the types of questions that you’ll be asked by some of our team of advisers which gives underwriters information about your medical history.
More and more we’re able to get decisions immediately without the need for further medical underwriting (GP Reports) for people with crohn’s disease.
Does life insurance pay out for crohn’s disease?
YES – You should be able to get a life insurance pay out with crohn’s disease. As long as you have life insurance cover in place before becoming seriously ill or passing away, you will most likely qualify for a life insurance pay out from your provider.
Crohn’s disease and other inflammatory bowel disorders are classed as chronic conditions, so be sure to declare crohn’s disease as a pre-existing condition when taking out a new policy or updating a current one. Not doing so could invalidate the cover.
That scenario would then cause you to not receive a pay out, right at the moment when your family may greatly need your financial support. It is always best to make sure your family are as protected as possible in the case the worst happens and you are unable to support them yourself.
Will critical illness cover pay out for crohn’s disease?
YES – Usually, critical Illness cover will pay out for a crohn’s disease diagnosis, provided it wasn’t a pre-existing condition before taking out the policy.
Critical illness cover works a little differently than a standard life insurance policy. Critical illness cover will provide a tax-free lump sum should you be diagnosed with a critical or serious illness.
This money can then be used to help recoup the loss of earnings or pay for additional treatment.
Many people with crohn’s disease can obtain critical illness cover at standard terms however each application is considered on a case-by-case basis.
This means if your medical condition is more severe you may have an exclusion or pay a higher premium. When considering critical illness cover you should account for:
· Your annual income (after tax)
· Mortgage/rental payments (annual)
· Cost of living (annual)
· Any other potential costs (e.g. medical treatment or adaptations)
How does life insurance work with crohn’s disease?
Life insurance should still work in much the same way with crohn’s disease as it would without any pre-existing conditions.
It may just be the case that you will have to answer a few additional medical questions during the application process or agree to a medical check-up/further testing before cover can be confirmed.
If you sign an ‘access to medical records’ agreement, the insurance provider can access details of your medical history for you – saving you the hassle of sourcing this information yourself.
Do not be worried if you are asked further questions as it does not automatically mean you are less likely to receive cover. Insurance companies just want to make sure they have a full and clear picture of all aspects of an applicant’s general health and lifestyle before agreeing to or declining cover.
In some cases, you may be able to get instant cover without being asked any for any further medical information – but of course that will depend on the individual provider.
Can I get life insurance with crohn’s disease?
YES – Life insurance should still be accessible to you, even with a pre-existing medical condition. It is best to check individual providers to see which ones can offer the best cover for someone with crohn’s disease.
There may be some forms of cover that are more suitable than others depending on your individual needs and symptoms, so it is a good idea to go into the application process having thought about things such as:
· How extensive you need your cover to be
· How long you want your policy term to be for
· If you want any additional features such as critical illness cover or income protection alongside your policy
Some providers may charge slightly higher prices due to pre-existing medical conditions, so it is a good idea to do some research before securing a policy.
How much is life insurance with crohn’s disease?
Any life insurance policy will vary slightly in pricing depending on each provider and each individual applicant. Crohn’s disease aside, an insurer will want an overview of your health, age, occupation, lifestyle, dangerous hobbies etc.
All of these things will factor into how much you may be charged per month for your policy, so it is important to be mindful of this when working out how much you can afford to pay for your cover.
You may be surprised to find after looking at policies that generally you will be able to find cover that is just as cost effective as someone who does not have a condition such as crohn’s disease. It is just a case of finding the right provider for you.
Cheaper life insurance with crohn’s disease
There are always ways to find cheaper life cover – even with crohn’s disease. Comparing policies across providers can often reveal that there are one or two willing to cover you for a fraction of the cost charged by another provider.
It is also good to be aware that you can even save if you have an existing life insurance policy with an insurance company. If you speak to your current provider, you may find you have some room for manoeuvre with pricing just by slightly adjusting your policy terms.
If you are unsure on how to negotiate a better deal on your life insurance, speak to one of our expert advisers. Our team have over 20 years worth of experience of securing great cover for people with pre-existing conditions – and without breaking the bank.
Best life insurance for crohn’s disease
You may be asking yourself “is there one particular type of life cover that is best for crohn’s disease?”. The answer to this will most likely depend on your individual circumstances and what exactly you want covered.
Below we have put together a table highlighting various policies and how they work/what they cover. This will allow you to compare and ultimately decide what seems the most appropriate cover for you.
|Type of insurance policy||Pros||Cons|
|Family life insurance (level term)||Protection for your family’s financesThe payment will be the same, no matter how far through the term of your policy you are||Can be more expensive than reducing cover premiums Your cover will end when your policy endsUnless added to the cover, inflation isn’t automatically considered|
|Mortgage life insurance (decreasing term)||Lower monthly premiums than with a level term policy More than one mortgage can be covered (multiple properties)Safeguard your family home and ensures your family will be mortgage free, in the event you are no longer there to support them||By design, the amount of cover you have will decrease the further you are into your policyThe policy only covers your mortgage without including additional cover for your familyIf you choose to remortgage your home, the policy will need to be reviewed|
|Whole of life insurance||Guaranteed pay out to your loved onesYou won’t be charged income tax on the payment to your family||Potentially higher premiums so you may have to consider if you can afford them long term, even after retirement|
|Critical illness cover||You can receive a tax-free cash lump sum upon diagnosis of a serious illness/medical condition, meaning more financial security for your familyOn average, 91.3% of claims are accepted and paid out||8.7% of claims on average are rejected, meaning there is a slim chance you won’t receive a pay out when needed|
|Income protection insurance||Protection for any potential loss of income due to accident or illnessMonthly payments to cover the costs of bills/mortgage repayments etc.TAX-FREE: With income protection claims there is no taxable element, except under very specific circumstances.||There may be an ‘exclusion’ with your cover, usually if you have a dangerous job or hobby. This just means your policy will pay out for most things but not your excluded activity e.g. if you get injured skydiving.|
|Personal accident insurance||There is no limit to the number of claims you can make in fact, 21% of customers have made more than one claim.||You may have to pay extra for additional benefits such as active lifestyle cover.|
|Relevant life insurance||Up to 49% tax savings due to these policies being HMRC approvedPortable (can be converted to personal cover if you leave the business)Owned and paid for by the business rather than you personally||It would be up to your employer to take out this policy on your behalf and they will be responsible for making sure to pay all the premiums – less control for you over your policy terms|
|Over 50s life insurance||Guaranteed pay out to your loved ones, as long as you continue to pay your premiumsFixed premium rates and a fixed payment to your beneficiaries||The longer after 50 that you wait to take out life insurance, the higher your premium will be Smoker rates are higher for over 50s: it may be worth trying to quit to reduce the cost of your policy|
In most cases, all of these policy types should be accessible to you. Pre-existing conditions such as crohn’s disease are not a barrier to accessing excellent levels of cover – at even better prices.
Check here for more general information about different types of LIFE INSURANCE.
Does crohn’s disease affect life insurance?
Having crohn’s disease shouldn’t affect the ability to get life insurance. Pre-existing conditions do not automatically block you from being able to access the same level of cover as someone with no pre-existing conditions.
Policies vary from provider to provider and even if one is not willing to provide cover, another one will be. We can promise you that you will be able to find the perfect life cover to suit your needs.
Life insurance is specifically designed to pay out a cash lump sum to your loved ones which will support them financially in the future, so if you are concerned about your health, it is a good idea to put cover in place as early in life as possible. This can help you avoid higher costs if you were to be diagnosed with any other medical conditions in the future.
We are extremely experienced at finding the right life insurance policies for those with pre-existing medical conditions. We truly believe every person has an equal right to the same great level of cover. For more advice on getting great life cover with crohn’s disease, get in touch with our team of life insurance experts.
Refused life insurance with crohn’s disease
There are some potential complications that can cause some possible problems when looking for life insurance. We don’t like to focus too much on the negative points and in this case, there are only a couple of things, including:
· Colostomy bags can cause some possible issues when applying for life insurance if the bag was fitted recently. If you’ve had a bag fitted and there are issues or you’re awaiting further treatment, then you might need to wait
· Recent or awaiting surgery can also cause insurance underwriters to ask further questions about your condition or can mean you may need to wait for the cover.
Declined cover previously doesn’t have to mean that this is the end of the road so speak to an expert like iam|INSURED. You should be able to get at least some coverage in most cases so make sure that you speak to one of our experts before you make any decisions.
Can you get critical illness cover with crohn’s disease?
YES – In most cases, it is possible to get critical illness cover with crohn’s disease. This type of cover can be essential to make sure that you and your family are protected if you get diagnosed with a serious illness. There are several major insurance providers who would offer this type of cover to you.
Some of the main things that will be considered on an application for critical illness cover for someone with crohn’s are:
· When was your last flare-up/attack?
· What treatment or medication do you take?
· Do you smoke?
· Does your condition affect your ability to work or your daily life?
· Have you had any hospitalisation or surgery?
Where the condition is well managed with mild symptoms, you’ll find it pretty straightforward to get cover. If there are some minor complications or if your symptoms are more severe then you could have some restrictions applied.
Critical illness cover terms for people with crohn’s disease can also vary dramatically between insurers. Let us take the stress and hassle out of searching for the best policies to suit you.
More information about CRITICAL ILLNESS COVER.
Is income protection available for people with crohn’s disease?
Income protection or accident and sickness style policies can be a lifeline if you’re unable to work. This type of cover would pay out if you’re unable to work because you were ill or involved in an accident.
For someone with crohn’s disease, generally, you can get income protection or accident and sickness cover.
There’s a vast range of different types of income protection and accident & sickness policies to suit all budgets and needs. Obtaining the right cover for you should be possible regardless of whether you have crohn’s.
Premiums for income protection can vary dramatically between insurers and depending on your symptoms. It’s important to seek valid advice to make sure that you get the correct cover and don’t pay more than necessary.
For people with mild to moderate symptoms, it should be pretty straightforward in most cases. There’s a range of different insurers for us to consider in these cases and lots of options to choose from generally.
If your symptoms are more severe, then you might consider looking at an accident & sickness policy. This can work out very cost-effective and give you the cover you need.
More information about INCOME PROTECTION.
Crohn’s disease income protection amounts of cover
An income protection policy can provide a strong sense of security for people with crohn’s disease should they become unable to work.
An income protection policy is designed to help policyholders deal with the loss of income due to severe illness and claims can be made as needed during your policy term.
If you are self-employed or have concerns about loss of income, an Income Protection policy can help to provide peace of mind.
People who suffer from crohn’s disease and have mild symptoms or have not suffered an attack for a substantial period may be able to obtain an income protection policy on standard terms.
However, for most people with crohn’s disease, income protection will require you to agree to the exclusion or pay a higher rated policy. When deciding how much crohn’s disease income protection you will require, you should closely consider:
· Monthly income (after tax)
· Mortgage/rent payments
· Debts (other)
· Cost of living
Exclusions for crohn’s disease life insurance, critical illness cover or income protection
It is important to remember when applying for any crohn’s disease life insurance that insurance agents may include an ‘exclusion’ on your policy.
An exclusion would make you unable to claim for any symptoms or medical conditions that are believed to be related to your crohn’s disease.
This could affect your eligibility for additional benefits such as Total and Permanent Disability, Guaranteed Insurability, or Waiver of Premium.
If you chose to accept a crohn’s disease life insurance, critical illness cover, or income protection policy with an exclusion it’s important that you are fully aware of what will be covered.
Why do I need life insurance with crohn’s disease?
Life insurance is vital to the protection of your family’s financial security in the event of you passing away or being unable to work due a period of severe illness.
The insurance pay out means extra funds to cover expenses such as funeral arrangements, mortgage repayments etc. This can take a significant weight off of your loved one’s minds, allowing them some breathing room in a hard situation.
You may be even more concerned about protecting yourself when you have been diagnosed with a medical condition such as crohn’s disease, as it could cause you to think more about your health and lifestyle generally.
This is understandable, especially if debilitating symptoms could affect your income if you have to take time off work due to illness.
A policy like income protection could safeguard you in this situation – guaranteeing monthly payments to supplement your income if your crohn’s disease flared up badly and left you unable to work for a period of time.
And of course, there are other life cover policies that will be beneficial to put in place to reassure yourself and your loved ones that they will always be looked after financially. It is worth researching and reviewing your options to make sure you are choosing the right cover for what you need.
Overall, life insurance cover is always worthwhile, as it can make a huge difference to supporting your family. It allows you peace of mind knowing they are protected.
Best life insurance companies for crohn’s disease
There are a lot of different insurance companies out there and there will be some that are better than others for covering conditions such as crohn’s disease. The way to find the best company for the cover you need will be to compare policies across providers.
As a team of specialists, with years of experience in insurance for those with pre-existing conditions, we can point you in the right direction as to which providers will be able to offer you the best cover.
We are always checking with providers to make sure we can find you the best prices possible even with pre-existing conditions like crohn’s disease. Get in touch with our EXPERT team for FREE friendly advice.
Guaranteed life insurance with crohn’s disease
There are some guaranteed life insurance plans that will automatically accept you if you don’t want to discuss your medical conditions. This can be an appealing option if concerned that your medical history could affect the cost of your policy, especially if you have multiple medical conditions.
The benefits of a guaranteed life insurance plan are:
· NO questions about medical history or lifestyle (such as smoker status)
· Guaranteed pay out
· Most providers will offer fixed premiums so no price increases
Generally, these policies are considered to be less comprehensive, so it is worth taking this into account before deciding to take out a guaranteed life insurance policy.
For more information on guaranteed life insurance plans click HERE.
Over 50’s life insurance with crohn’s disease
If you are over the age of 50, you may now be more concerned than ever about protecting your own life and by extension ensuring the well-being of your loved ones in the future.
This is especially certain if you have been diagnosed with a medical condition like crohn’s disease, as this could leave you to be concerned about your health overall.
There are life insurance plans specifically designed with over 50s in mind. An over 50s life insurance plan can be applied for between the ages of 50 and 80.
Over 50s life cover is designed as an affordable way to ensure you will be leaving money for your family in the event you pass away. Small monthly payments will pay off massively in terms of knowing your family will be left in a good financial situation.
The money left to your loved ones from your policy can be used for various expenses such as funeral costs or to pay off outstanding debts. You could even consider it as a gift for your loved ones to use as they please.
Over 50s cover is also a guaranteed policy, meaning your family is certain to receive a tax-free lump sum as long as you pay your premiums every month.
We review our over 50s insurance partners consistently to make sure that we give you the most competitive premiums. We can offer:
· Price match promise
· FREE expert advice
· No obligation
· FREE policy trust service
· 100% customer rating (5.0 out 5.0 star rating on Feefo)
For more information on life cover for over 50s click HERE.
Life insurance questions about crohn’s disease
Crohn’s disease in most cases, shouldn’t affect your ability to secure life insurance cover.
If you are currently suffering from crohn’s disease and you need life insurance, then you’ll need to answer questions like:
· When were you diagnosed with crohn’s disease?
· What medication are you taking to manage your condition?
· Have received or are waiting to receive any surgery on your digestive system?
· Are you currently able to work?
· When was your last attack and how often do you experience symptoms?
If you are currently awaiting any surgery, you might have to wait for a short period of time until the full cover is available. This is standard practice, so don’t worry.
Your premiums for crohn’s disease life insurance will also depend on:
· Amount of cover (£’s)
· Term of policy (years)
· Type of cover (e.g. Family, Mortgage, Whole of Life, etc.)
Medical conditions linked to crohn’s disease
Crohn’s disease is a type of inflammatory bowel disease (IBD), that affects your intestines causing them to become swollen and painful. This can lead to debilitating symptoms such as weight loss, pain, diarrhoea and severe tiredness.
There are several conditions that are very similar to crohn’s disease, in terms of symptoms. These include:
· Ulcerative colitis
· Irritable Bowel Syndrome (IBS)
· Coeliac disease
· Severe food intolerances
Ulcerative colitis is the most commonly linked condition to crohn’s disease. The symptoms are very similar, but ulcerative colitis is completely confined to the gut and large intestine, whereas crohn’s can also have effects on other areas of the digestive tract higher up in the body.
Common questions about crohn’s disease
Below we have listed a few of the most frequently asked questions about crohn’s disease for further information about this condition:
|What is crohn’s disease?||Crohn’s disease is an inflammatory bowel condition. It is a chronic condition that causes the digestive system to become inflamed and painful. The symptoms usually start in childhood or in young adults.|
|What causes crohn’s disease?||There is no exact known cause. There are however risk factors such as: Genetics (you are more likely to develop crohn’s if a close family member has it too)SmokingPrevious stomach problemsOther issues with the immune system|
|What are the symptoms of crohn’s disease?||The main symptoms of crohn’s disease are: Stomach cramps/achesFatigueDiarrhoea Blood in the stool Weight loss|
|How is crohn’s disease treated?||Usually with medication though sometimes surgery can be needed depending on the symptoms. Medicines used can include steroids such as prednisolone, taken as tablets to reduce inflammation.|
How much life cover do I need?
The amount of cover you should apply for is entirely dependent on your financial circumstances.
When making any application for crohn’s disease life insurance you should ensure that you have accounted for all your potential expenses and have a clear idea of the amount you may need. If you are finding this difficult there are some simple rules you can apply to ensure you’re making an informed decision.
During your application for crohn’s disease life insurance, critical illness cover, or income protection, it’s important you are aware of any loading or exclusions that may be added to your policy. This will often occur after underwriting and could have an effect on how affordable your life insurance policy may be.
Crohn’s disease life Insurance amounts of cover
When discussing the amount of cover you may need it is best to consider:
· The amount left to pay on your mortgage.
· Any outstanding debt (e.g. loans, second charge, credit cards, and others)
· Spouse or partner
· Annual income (after tax)
· Any financial assets (e.g. car, house, business, etc.)
If you feel unsure or require more information to decide how much crohn’s disease Life Insurance you will require to secure your family and home, see our iam|INSURED life insurance calculator.
Has Coronavirus (COVID-19) changed life insurance for people with crohn’s disease?
The recent pandemic which has swept the globe has had a major impact on life insurance underwriting as a whole, but especially for autoimmune conditions such as crohn’s disease. The life insurance market had to react at the time with certain restrictions being placed on several main areas such as:
· Amount of cover (sum assured)
· Certain medical conditions (e.g. diabetes, cardiovascular conditions, neurological conditions, and autoimmune diseases)
· Length of policies (term)
· Medical underwriting limits
Most applications that our experts dealt with through coronavirus was either accepted with some restrictions or were postponed until after the main period of risk had ended.
The majority of people with crohn’s disease were still able to get life insurance through the COVID-19 pandemic however you may need to review your cover once things relax back to normal again.
Some of the additional questions that were being asked by life insurance providers through coronavirus included:
· Are you currently self-isolating?
· Have you experienced symptoms of coronavirus?
· Have you been exposed to the risk of contracting the virus?
· Do you know anyone with COVID-19?
There is a short-term impact on the life insurance market, especially for people with certain medical conditions, which could have a long term effect on life insurance terms as well.
More about COVID-19 and life insurance
Which are the best life insurance companies for people with crohn’s disease?
Crohn’s disease has a wide range of severity levels so the best life insurance provider will vary depending on how bad your symptoms are. Most of the more common high street insurance companies offer life insurance for people with crohn’s so you should be able to get cover fairly easily.
Some insurance underwriters are better than others when it comes to auto-immune conditions like crohn’s disease. It can be difficult to know which one is best for you, which is where we can help you.
Our many years of experience and close connections with top specialist underwriters means that we’re here to help. Over the past 20 years, we’ve helped thousands of people with crohn’s disease and other conditions to get the best cover.
We’ll complete a very quick medical questionnaire and then speak to insurance underwriters for you. Our mission is to make sure that our customers get the best cover to protect their families and save money.
*according to Crohn’s & Colitis UK
Useful resources for crohn’s disease
Below we have linked some useful resources about crohn’s disease, if you wish to look at further information on this topic.