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Crohn’s Disease Life Insurance Guide 2024

Life insurance will pay out a cash lump sum in the event of your death and provides financial security and peace of mind for your family. People with Crohn’s disease can often buy life insurance to support their loved ones with key expenses, like repaying a mortgage or paying for their funeral.

Choosing the right life insurance company can save you £1000’s during your policy term, and you can end up paying more than you need to if you apply to the wrong insurers. Certain insurance companies are much more suitable for people with Crohn’s disease, but you may find that you can get cover from popular insurers like AIG, Vitality, or Aviva.

In this comprehensive guide, our team of insurance experts look at how Crohn’s disease life insurance works for individuals and their families in 2024. This guide aims to give you a rough idea of how much you might pay for your policy and the kind of questions that you will be asked when you apply.

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60-Second Summary – Crohn’s Disease Life Insurance Guide 2024

This guide is consistently updated to provide the latest information about how to get life insurance with Crohn’s disease in the UK. It is usually possible to find affordable life insurance for people with Crohn’s, and you might be surprised that your policy costs less than you expected.

Many of the UK’s top insurers will offer cover to people with Crohn’s disease, and you should choose the insurance company that feels like the right fit for you and your family.

  • When you apply, the insurance company will ask various questions about Crohn’s disease to help them understand how this affects your daily life and activities.
  • Prices for Crohn’s disease life insurance will be based on your symptoms, any treatments or surgeries, and your general health and lifestyle. Other factors like your age and occupation will affect the cost of your life cover as well.
  • You could save money by reviewing your current policies, as the terms that are available for people with medical conditions like Crohn’s can change over time.
  • People with milder Crohn’s symptoms can often buy life insurance from standard insurers without any major issues. There are also specialist insurers that can help if your symptoms are more severe.
  • Applying at the right time can make a big difference to the amount that you pay (i.e. don’t apply when your treatment has recently changed, or you are experiencing a bad flare-up of symptoms).

Buying life insurance with Crohn’s disease can sometimes be more complicated, but you are likely to have more options for cover than you might imagine. It’s generally possible to get cover through mainstream insurance companies if your symptoms are mild or you have had no recent flare-ups.

Certain specialist insurers can help if your symptoms are more severe and there are a few who are especially good for conditions like Crohn’s and ulcerative colitis.

As Crohn’s disease symptoms will vary in severity, the best policy for you will be based on your health and lifestyle at the time when you apply. You should also consider the level of cover that you need and how much can afford to pay each month.

Does Crohn’s disease affect life insurance?

Some life insurance companies will work better than others for people with Crohn’s disease, as some will have more experience with Crohn’s. The main point to remember is that your policy shouldn’t be any different because you have Crohn’s, but you might have to answer a few extra questions when you apply.

Crohn’s disease shouldn’t prevent you from getting cover in most cases, and you will have the same options for types of cover (e.g. family or mortgage life insurance).

This short video from Crohn’s and Colitis UK shares the real story of Natalie-Amber and her experience of being diagnosed with Crohn’s.

Natalie-Amber: Check for Crohn’s and Colitis | Crohn’s and Colitis UK

You will normally be able to buy life insurance if you have Crohn’s disease, which provides financial security for your partner, children, or other family members.

Several mainstream insurance companies like AIG and Vitality will accept applications from people with Crohn’s disease. In some cases, you may need to apply to a specialist insurer if your symptoms are very severe, or you have multiple medical conditions or complications.

When you apply for your policy, you will be asked a range of questions about your medical history and background. This will usually include specific questions about Crohn’s disease, though the exact questions can vary depending on the insurer that you apply to.

Key factors for life insurance with Crohn’s disease:

  • When were you first diagnosed with Crohn’s disease?
  • 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?
  • Have you had any hospital treatment (e.g. surgery to remove part of the bowel) or been treated with medication?
  • What part of your bowel is affected and how much of it?
  • What treatment are you on? (e.g. steroids, immunosuppressants or hospital treatment)
  • Does Crohn’s disease prevent you from working?
  • When did you last experience any symptoms or flare-ups?

Will I need a medical for life insurance with Crohn’s disease?

Some insurers may ask for extra medical information when you apply for life insurance with Crohn’s disease. However, it’s becoming much easier now to get cover for Crohn’s without the insurer needing any further medical information.

Even if the insurer does ask for more medical information (e.g. a GP report), this isn’t anything you need to worry about. This is just to help them get a clearer idea of how Crohn’s affects your overall health and lifestyle. You also don’t need to organise anything yourself, as the insurer will be able to get the information for you.

It’s often possible to buy term life insurance when you have Crohn’s disease, and term cover is the most popular form of life insurance in the UK. A ‘term’ life insurance policy is a policy which lasts for a set number of years (your ‘policy term’).

Policies like family life insurance and mortgage life insurance are both examples of term life insurance. When you apply, you will be asked if you want to be covered for a specific number of years or to a specific age (e.g. age 90).

Standard life insurance will typically cover pre-existing medical conditions, so your Crohn’s disease should be covered if the insurer was told about your diagnosis. You will also still be covered if you are diagnosed with Crohn’s or any other conditions during your policy term.

The main issue that could happen is if you did not tell your insurer that you had Crohn’s disease when you applied for your policy. This would be classed as a ‘non-disclosure’ which is one of the most common reasons for life insurance claims being denied.

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Does life insurance pay out for Crohn’s disease?

If you were to die due to any complications related to Crohn’s disease, your life insurance will pay out a cash lump sum to your loved ones. Standard life insurance won’t exclude claims for pre-existing conditions, so Crohn’s disease shouldn’t cause any major issues when claiming.

Your family can also claim if you died of another medical condition (e.g. cancer, heart attack etc.) or after being involved in an accident.

How much does Crohn’s disease life insurance cost?

The price of life insurance can vary massively for people with Crohn’s disease depending on the insurance company that they apply to.

Insurers will ask questions about Crohn’s and your symptoms, and any surgeries or treatments (e.g. colectomy) will affect the price of your policy. Other factors like your general health, age, smoker status, and job will also affect the price that you pay.

People with medical conditions can sometimes end up paying higher prices compared to people with no health issues. Some insurers have much more experience with Crohn’s and will usually offer better prices for people with Crohn’s and other bowel conditions (e.g. colitis, IBD, IBS). This is why it is so important to compare pricing and make sure that you choose the right life insurance company.

Our insurance experts have chosen the examples below to highlight the difference in pricing for life insurance for two applicants with Crohn’s disease. This shows how prices can vary based on your age, health, and the type of cover that you need.

As you can see, the pricing can be very affordable and both applicants ended up paying less than £30 per month. These are only intended to be examples though, and the price for each person with Crohn’s disease will be based on your own situation.

Case Study 1: Mr R.

Details of applicantMr R. was born in 1991 and is a non-smoker.
Crohn’s disease details and informationMr R. was diagnosed with Crohn’s in 2003 and had a total colectomy in 2021.
Other health informationHeight: 5’10” / Weight: 11st3
Cover requirementsMr R. wanted £175,000 of decreasing life insurance to protect his mortgage over the next 34 years.
He had an ideal budget of £20 per month.
Monthly premiums (£s)£17.27 per month
Guaranteed (fixed) premiums
Standard insurance company

Case Study 2: Miss C.

Details of applicantMiss C. was born in 1989 and is a non-smoker (never smoked).
Crohn’s disease details and informationMiss C. was diagnosed with Crohn’s disease in 2018 and is being treated with immunosuppressants.
Other health informationHeight: 5’6” / Weight: 9st
Cover requirementsMiss C. wanted £300,000 of level term life insurance to protect her family over the next 30 years.
Monthly premiums (£s)£26.19 per month
Guaranteed (fixed) premiums
Standard insurance company
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Some critical illness insurance companies will pay out for a new diagnosis of Crohn’s disease, due to the impact of the condition on your lifestyle. Not all insurers will though, and it will depend on the insurer and on the policy that you have.

If you are diagnosed with Crohn’s and already have critical illness cover, you should contact your insurer to see if you have a valid claim.

Is Crohn’s a pre-existing condition for life insurance?

If you have been diagnosed with Crohn’s disease or experienced symptoms/received treatment in the last 5 years, insurance companies would class this as a ‘pre-existing condition’.

Unless you apply for guaranteed life insurance, you should always declare any pre-existing conditions. If you don’t, the insurer could refuse to pay out or cancel your policy if they find out at a later point.


Can you get life insurance if you have IBD?

Crohn’s disease and other inflammatory bowel diseases shouldn’t automatically prevent you from getting life insurance. Life insurance with IBD can be affordable provided you get the right advice and don’t rush into applying with the wrong insurer.

Buying life insurance with Crohn’s disease doesn’t need to be a complicated process and you may find that you can get the cover that you need from a standard insurer.

Comparing several quotes for Crohn’s disease life insurance will help you to identify which companies are offering the right level of cover for the lowest price. You can compare these quotes yourself or use a price comparison website or experienced insurance broker to make this process simpler for you.

Useful resources

Crohn's and Colitis UK

Crohn's and Colitis UK are the UK's #1 charity supporting people living with Crohn's disease, ulcerative colitis and other forms of inflammatory bowel disease (IBD). Crohn's and Colitis UK was first set up in 1979 and has been campaigning for better care and support for people with bowel diseases ever since.

Their website contains a wide range of free resources and practical advice, as well as opportunities to volunteer and share your story to inspire others.

Contact Crohn's and Colitis UK

Telephone - 0300 222 5700

Email - helpline@crohnsandcolitis.org.uk

Follow Crohn's and Colitis UK

Hidden Disabilities Sunflower

The Hidden Disabilities Sunflower is a Worldwide organisation that aims to raise awareness of 'hidden' disabilities, diseases, and common conditions that don't have visible symptoms. Wearing a Hidden Disability Sunflower is a way to voluntarily show that you have a hidden disability, and many organisations in the UK have been trained in the Hidden Disability Sunflower scheme.

Wearing the Sunflower lanyard lets others know that you might need some extra help or more time with certain tasks, without needing to ask for this yourself. The Sunflower symbol was chosen due to the flower's asscociation with happiness, positivity, and strength.

Contact details (UK)

Website - Hidden Disabilities Sunflower Online Helpdesk

Contact form - Submit a ticket

Due to Hidden Disabilities Sunflower having a small team in the UK, they currently do not have an option to contact them via phone, as there would not be enough staff members to answer all of the calls.

 

Follow Hidden Disabilities Sunflower

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Can I get life insurance with pre-existing conditions?

Yes, you will be able to get life insurance with almost any pre-existing medical condition, as long as it is not terminal. If traditional life insurance is not available due to the severity of your symptoms, then there are other guaranteed and specialist life insurance options, such as:

  • Accidental death
  • Over 50s life insurance
  • Guaranteed life insurance

Some of the most common examples of life insurance with pre-existing conditions are:

  • Overweight or High BMI life insurance
  • Diabetes life insurance (e.g. Type 2 or Type 1 diabetes)
  • Cancer life insurance
  • Heart attack or heart disease life insurance
  • Mental health life insurance
  • Multiple Sclerosis life insurance
  • Autoimmune disorders life insurance
  • HIV life insurance

There are literally thousands of types and variations of pre-exisiting medical conditions and so your situation is likely to be different to someone else. Life insurance with pre-existing conditions will take a number of elements in to account:

  • Severity and type of symptoms
  • Dates of diagnosis, episodes or attacks, and treatments
  • Any ongoing treatment and medications

Your life insurance premiums will be based on your own individual circumstances and how much cover you need. You should be able to adjust the levels of cover to suit your budget and it’s just as important to make sure that you at least have some cover in place.

What does Martin Lewis say about life insurance with pre-existing conditions?

MoneySavingExpert.com suggests that life insurance will ‘cost a lot more’ with a pre-existing medical condition. This is not true and it really does depend on your own individual circumstances so don’t be put off by this as they are not experts in this area.

It is true that some circumstances where the pre-existing medical condition is serious or severe, premiums can be higher to reflect the additional mortality risks. Ultimately, your life insurance premiums are unfortunately based on how likely you are to claim or if you have a higher chance of death within the policy term.

Martin Lewis doesn’t provide any real substance to his comment about pre-existing conditions life insurance and that’s not good enough. You should speak to a medical life insurance specialist to get a fully underwritten quote before you make any final decisions about whether or not you can afford to protect your family.

How much is life insurance with pre-existing conditions?

Most traditional life insurance providers will accept applications for people with pre-existing medical conditions. Often, you will have a number of potential options from several different insurance providers so you can usually save money as well by shopping around.

Historically you might have had less offers when you apply for life insurance with pre-existing conditions, but fortunately that is changing. Most of the more well-known high street life insurance brands are now offering more competitive rates and more flexible underwriting.

Top tips to save money on life insurance with pre-existing conditions:

  • Speak to pre-existing medical conditions specialist (these companies will understand the market better and should know which insurers will be cheapest for you)
  • Shop around and get different quotes (same as everything else, by shopping around you’ll get a better idea of what a good price is and what different companies offer)
  • Apply at the best time (timing can be important when applying for life insurance with pre-existing conditions, usually when symptoms are stable and not before or after treatment)

There are also other things to take into consideration, such as if you’re a smoker or if your weight is higher than normal. Can you do anything to improve your situation that might help to reduce your life insurance premiums.

Best life insurance for pre-existing conditions?

The best life insurance for pre-existing conditions will be different for each individual, based on their circumstances and the details of their health or medical history. There are certainly some insurance providers who are better for people with pre-existing medical conditions than others, such as:

  • The Exeter (better for people with more severe symptoms and serious health problems)
  • Legal & General (can sometimes be good for certain pre-existing medical conditions, especially mild to moderate symptoms)
  • Royal London (offers a number of specialist products and policies for certain pre-existing medical conditions such as diabetes and mental health)
  • Scottish Widows (sometimes good for moderate medical conditions and offers flexible underwriting for certain conditions)
  • The Guardian (also offers flexible underwriting towards some pre-existing medical conditions)
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