Buy Life Insurance with Crohn’s Disease

For young and healthy individuals, getting life insurance is not much of a challenge.

Buying life insurance if you have Crohn’s Disease is, on the other hand, not so easy. Indeed, purchasing life insurance for someone with Crohn’s Disease can be economically difficult and emotionally exhausting – the effort is too often complicated and hard to understand.

Fortunately, Local Life Agents enables people with Crohn’s Disease, who also want to buy life insurance, to do so with confidence and convenience. We end the confusion that patients with Crohn’s Disease face, when trying to get life insurance.

We have a thorough appreciation of the severity of this chronic medical condition and understand what it takes to get covered.  Getting life insurance quotes when you’re high risk is not an easy task, but with us it will be as painless as possible.

What Is Crohn’s Disease?

According to the Mayo Clinic, Crohn’s Disease involves inflammation of the digestive tract. Symptoms include intense abdominal pain, frequent bouts of diarrhea, tiredness, weight loss, and poor absorption of vitamins and minerals.

The illness can impact both the colon and the small intestine, causing strictures or bowel obstructions. Related complications can even be life-threatening.

There is no cure for Crohn’s Disease, though surgical intervention and various therapies can increase the likelihood of remission.

Crohn’s Facts

According to the Crohn’s & Colitis Foundation of America (CCFA), nearly 1.6 million Americans have Crohn’s Disease or some other form of inflammatory bowel disease (IBD). These numbers represent an increase of almost 200,000 patients, compared to the last time CCFA conducted its study.

Each year, doctors diagnose 70,000 new cases of Crohn’s Disease or IBD. Also, there may be as many as 80,000 children in the United States with this condition.

As a high risk applicant, the necessity of providing life insurance for patients with Crohn’s Disease is our top priority.

Local Life Agents is your advocate for buying life insurance if you have recently been diagnosed with Crohn’s Disease, or if you have been battling this illness for many years.  We know that trying to purchase life insurance for someone with Crohn’s Disease is not a fast or comforting process.

Nevertheless, we are your source for reliable information and insight during this undertaking.  We achieve this mission by highlighting the insurance carriers that offer life insurance for patients with Crohn’s Disease.

Crohn’s Disease Underwriting

The life insurance underwriting guidelines involving Crohn’s Disease are restrictive, but that does not mean an applicant cannot receive coverage. If can show a mild case, good follow up, and limited colon involvement we can get you covered. We can typically get more severe cases covered with a table rating or flat extra cost.

The following information will determine the outcome of the underwriting process:

  1. The age of diagnosis for Crohn’s Disease.
  2. The number of disease-related flares within the last year.
  3. The type of Crohn’s Disease (mild, moderate or severe) an applicant has.
  4. What medications an applicant with Crohn’s Disease currently takes.
  5. Hospitalization, surgeries or procedures an applicant with Crohn’s Disease has had within the last year.

Possible Outcomes

Best case: Possible Preferred Rates

Typical case: Standard Plus or Standard Rates

Worst case: Table 1 – Declined

Get a Quote

By clicking on and filling out the enclosed questionnaire Local Life Agents can immediately start shopping among more than 40 insurance carriers, to see if you qualify for coverage. We can then can offer you permanent life insurance or term life insurance.

Local Life Agents has the answers you need because we are experts at getting life insurance for patients with Crohn’s Disease.

We are always with you throughout this period because it typically takes at least six weeks (or more) before a life insurance company finishes its review and underwriting of your application.

During that time, you will take a free medical exam with a paramedical representative. The exam allows a life insurance company to analyze your overall health and your medication history.

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