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Getting Life Insurance with IBD

Wed, August 04, 2010 9:23 PM

Hey everyone,

I have Crohn's disease, have been hospitalized, and am in remission on a steroid taper at the moment. I want to get life insurance (for future planning reasons wholly unrelated to the IBD). I was wondering if there were any of you out there who tried or did get life insurance after you were diagnosed. How expensive is it? Does IBD really raise the cost of life insurance? What provider do you use?

Thanks for any help,
Edward

edward
Joined Aug 4, 2010

Sat, August 28, 2010 1:10 AM

Reply posted for mensapirate.

Hi Edward, Thanks for the insurance company info, I'll check into both of them. Thank you.

groversm
Joined Aug 7, 2010

Tue, August 24, 2010 7:58 PM

Reply posted for Edward.

I have life insurance and have shopped around. Yes UC and Chrones do raise the prices. They have told me it is because of all the inherent risks associated with the disease. I have only seen about about a 10.00 difference in different companies. Two that have had the best prices for me are Erie and USAA. Hope this helps. And no I am not an insurane salesman.

Good luck,

Mensapirate

mensapirate
Joined Dec 26, 2009

Sat, August 07, 2010 7:41 PM

Reply posted for Edward.

I just turned 49 and have been living with UC for 25+ years and have applied for life insurance 3 times over the past 6 years (I have a small policy and was looking to get additional), all 3 times I was rejected. Hopefully, you'll be lucky and be able to acquire some. Hey, if you do, can you post what company, I'll give them a try. Thanks and Good Luck.

groversm
Joined Aug 7, 2010

Fri, August 06, 2010 10:33 PM

Reply posted for Edward.

I was also able to get life insurance after my diagnosis but it is alot more expensive. Good luck to you

magonza8279
Joined Mar 18, 2009

Thu, August 05, 2010 12:57 PM

Reply posted for Edward.

Hi. I did get life insurance after being diagnosed with colitis. It wasn't hard to get, but did cost more. My husband had a very long line of massive heart attacks in his family (his dad died from one before the age of 50) and he is 8 years older then me and his rates were better then mine. I was shocked that just the existence of IBD would raise my rates that much.

I would be curios to know if your experience is the same thing - or if I just got bad insurance!

aquari1979
Joined Apr 8, 2008

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