Ulcerative Colitis Insurance Questions & Answers

How do life insurance underwriters view person who have ulcerative colitis?

Finding life insurance people with ulcerative colitis will not be too much of an issue for the majority of applicants. Those who have been diagnosed with this condition are likely to be considered as being more of a risk to insure for a policy.

Ulcerative colitis is generally not life threatening and shouldn’t result in lowering a person’s life expectancy except in some more extreme cases of life threatening hemorrhaging. It is however a chronic condition.

Most applicants who have been diagnosed early, and have their rectal bleeding minimized, will receive a relatively good rating. Those who have had a colectomy along with other complicating medical conditions such as a perforation or stricture could be possibly receive a lower rating.

An underwriter will use a variety of criteria in how they a person who has been diagnosed with ulcerative colitis. Some of the underwriting factors to determine one’s rating may include when and how long you have had this condition, and whether the trigger mechanisms that cause diarrhea and bleeding in the rectal area have been medically managed.

Additionally, the underwriter will want to know whether the person was prescribed a special nutritional diet, medications, and whether they are following the medical regime to control the condition.

An underwriter will want to review both laboratory and endoscopic tests, CRP, blood ESR, platelet counts, and find out if a proctosigmoidoscopy was performed and the results.

Obtaining life insurance for people with ulcerative colitis is very likely in most instances relatively easy but how they are rated may vary.

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What are the health risks of ulcerative colitis?

Ulcerative colitis is a chronic form of IBD which is short for Inflammatory Bowel Disease. It is considered to be a result of an “autoimmune mediated disorder”. The condition causes inflammation in the colon area and may result in ulcers to form on the lining of the colon. There are several varieties of ulcerative colitis as they may affect a portion of the colon, or may involve the entire colon.

The exact cause of this medical condition is uncertain. The condition is not generally considered life threatening but is often a long term condition that requires ongoing medical treatment.

Symptoms for this disease could include diarrhea, bleeding in the rectal area, fatigue, high temperature, tenesmus (feeling of a bowel movement which is incomplete) and cramps in the abdominal region.

Finding life Insurance for people with ulcerative colitis

Obtaining life insurance for people with ulcerative colitis and how a person is rated will be dependent on a variety of rating factors. Varying degrees of the disease, the area(s) of the body that are afflicted, and the extent of medical intervention will influence the underwriting process.

As individual insurers use a very different of means in how they evaluate a person for a policy, the process used can be very different for each insurer.

There are some companies which are more liberal in the criteria factors they use when rating a person diagnosed with ulcerative colitis, so what a person pays for a policy can differ quite substantially from insurer to insurer.

As this is a chronic ongoing condition, a person might be better off finding the most lenient insurer through companies that specialize in high risk health cases, or use the services of an independent insurance broker to find the most affordable policy.