The Truths About Life Insurance with Ulcerative Colitis

You are not alone in your search if you have inflammations in your colon, rectum, or any part of your digestive system. This means you have either Crohn’s disease or ulcerative colitis. Unlike Crohn’s disease, ulcerative colitis affects only the lining of the large intestine. And you may experience symptoms such as stomach pains, weakness, bloody stools, or diarrhea. Although there is no cure for ulcerative colitis, you can still manage the inflammatory bowel disease by owning a life insurance policy. But before you go out there to purchase a life insurance plan, here are the truths we want you to know about life insurance with ulcerative colitis.

  • You have 95% chances of getting life insurance wit ulcerative colitis if you have less severe ulcerative colitis.
  • Keep in mind that all life insurance companies have different quotes for providing life insurance for individuals with ulcerative colitis.
  • The more critical your ulcerative colitis is, the higher the premiums you will pay.
  • Except you opt for a no-medical-exam plan which is more expensive, life insurance companies will want you to undergo a medical exam and answer some medical questions
  • Important lists of questions life insurance underwriters will ask you include the results of colonoscopy, the treatments prescribed, current symptoms, date of diagnosis, the extent of colon involvement, and medical history.
  • The answers to the above questions, as well as your medical exam, will influence your premium rate.
  • Never lie to your insurer about your health condition. This will back fire and you may end up losing your coverage.
  • Hiring an independent life insurance agent will help you to save costs and get the best life insurance with ulcerative colitis in the marketplace.