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Ulcerative Colitis Life insurance

Facts about Ulcerative Colitis Life Insurance

Have you been diagnosed with ulcerative colitis or related symptoms/medical conditions such as abdominal pains and liver disease? We know that living with ulcerative colitis can cause discomfort and difficulties, however with effective treatment and support, a healthy life can be lived by people with ulcerative colitis.

Along with treatment, we understand how having a reliable life insurance policy can bring value to your future – This is where our array of policies come in, such as ulcerative colitis life insurance, critical illness cover, income protection and travel insurance.
Let us help you protect your future with our affordable insurance policies provided by the most reputable UK life insurers available. Contact our team today for free insurance quotes and to progress your ulcerative colitis life insurance application! 01244 732 890

How much does ulcerative colitis life insurance cost?

When applying for ulcerative colitis life insurance, the underwritten guidelines are straightforward. Prior to obtaining life insurance, providers will need to understand the severity of your diagnosis by requesting your medical history.

Firstly, they will need to understand the type of inflammatory bowel disease you have, along with any long-term symptoms/ related medical conditions, and your family history. If your case is mild with little symptoms and the requirement of mild medication, life insurance will usually be offered at standard terms.

However, if your ulcerative colitis causes regular symptoms resulting in the need of stronger medication, increase premiums will be applied to your policy. If your diagnosis is combined with liver disease or you’ve been hospitalised in the last 12 months related to your ulcerative colitis, your life insurance application may be declined.


Contact our team today to discuss your personal requirements 01244 732 890. We can progress your ulcerative colitis life insurance application over the phone!

Your premiums for ulcerative colitis life insurance will depend on:

  • Your diagnosis including related conditions such as liver disease. 
  •  Your family history.
  • Your medical history including any further health conditions.
  • The type of insurance product you’re looking for – (Income protection, critical illness cover, travel insurance).
  • The term of your ulcerative colitis life insurance policy.

Percentage (%) loading for ulcerative colitis life insurance

When applying for ulcerative colitis life insurance, percentage loading may be applied to your policy. This is where a percentage will be added onto your premiums by providers, which is calculated by taking the above factors into consideration. Please be aware that percentages will vary when applying for ulcerative colitis life insurance.

Example:

Basic premium
% loading
Final premium
£20.00 50% £30.00
£20.00 100% £40.00
£20.00 150% £50.00
£20.00 200% £60.00
£20.00 250% £70.00

Per mille loadings for ulcerative colitis life insurance

An additional outcome when applying for ulcerative colitis life insurance is ‘per mille loading’. This is where an insurance provider will add on an additional amount onto your premiums based on the amount of cover you’ve applied for. This can be applied for the whole term of your ulcerative colitis life insurance policy, or for a selected period of time.

Exclusions for ulcerative colitis life insurance, critical illness cover, income protection or travel insurance

When applying for either ulcerative colitis life insurance, critical illness cover, income protection or travel insurance, you may also experience ‘exclusions’ This is where insurance providers will exclude conditions related to your ulcerative colitis diagnosis from your policy.
To discuss how premiums and exclusions may influence the guidelines of your ulcerative colitis life insurance, critical illness cover, income protection or travel insurance, contact us today! 01244 732 890

How much cover do I need?

It is difficult for a clear recommendation to be provided when applying for ulcerative colitis life insurance, critical illness cover, income protection or travel insurance. However, there are a few factors you can take into consideration to help estimate the required amount of cover. View our breakdown of each policy below:

When applying for ulcerative colitis life insurance, the process can be straightforward, however this is dependent on your diagnosis. If your symptoms are mild with no related health conditions, life insurance cover will be offered under standard terms.


However, if your diagnosis is severe where symptoms are influencing your quality of life or recent hospitalisation has occurred, cover will be offered with an increase of premiums. Prior to applying for ulcerative colitis life insurance, here are some factors to consider:

  • Mortgage amount (£’s)
  • Outstanding debt (e.g. Loans, second charge, credit cards and other)
  • Dependents
  • Spouse or Partner
  • Income (after Tax)
  • Assets (e.g. car, house, business etc.)

Following similar guidelines as life insurance, obtaining critical illness cover is likely when living with ulcerative colitis. If your symptoms are mild with low levels of medication/treatment, critical illness cover will be offered under standard rates. If your case is severe with regular flare-ups and treatment, your application may be accepted however premium increases and exclusions may be applied.

If you’ve been hospitalised within the last 12 months or require strong medication to control your ulcerative colitis, your application may be postponed or even declined. This will depend on the underwritten guidelines of your selected provider.

To discuss your eligibility, contact our team today on 01244 732 890. Prior to applying for critical illness cover, here are some factors to consider:

  •  Income (after Tax)
  • Mortgage payments (annual)
  • Cost of living (annual)
  • Any other possible costs (e.g. medical treatment or adaptations)

When applying for income protection, it is highly likely that your application will be evaluated, along with requesting a medical report from your GP. Insurance providers will require a clear picture of your overall health to gauge whether you are eligible for income protection. If your symptoms are low where little medication is required to live with your ulcerative colitis, income protection cover will usually be offered with small additional premiums.

However, if your case is severe, additional premiums and exclusions may be applied to your income protection policy or may be declined. Here are some factors to consider if you are eligible for income protection:

  • Monthly income (after tax)
  • Mortgage/rent payments
  • Debts (other)
  • Cost of living

To discuss your eligibility for income protection cover, contact our team today on 01244 732 890.

When travelling with conditions such as ulcerative colitis, we advise purchasing travel insurance cover which protects those with pre-existing medical conditions. Click here to view our full range of travel insurance options: [LINK]

Are you living with ulcerative colitis? We understand that this can be difficult, and that is why we offer appropriate life insurance cover for those living with ulcerative colitis.
Whether you’re looking to protect yourself (critical illness cover), your finances (income protection) or your upcoming travels (travel insurance), we have a policy for you!


Contact our team today to progress your ulcerative colitis life insurance policy! 01244 732 890.
Please be aware that underwritten guidelines including premiums and exclusions will vary depending on your selected provider. Let us get to know your case and help find the most appropriate cover today!

Our team of insurance experts will help you to get some of the best deals from the UK’s top companies to save you money.

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