Updated: September 26, 2019

Life Insurance with Crohn’s Disease

Having Crohn's disease can make life insurance providers think twice about offering you the best deal. Read our guide to find out how to secure top rates depite your health condition

Get Started
Ask Us A Question

Ask a quick question

We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in higher-risk life insurance. Ask us a question and we'll get the best expert to help.

FCA Logo
1 of 2
2 of 2 Send!

No impact on your credit score

Richard Angliss

Author: Richard Angliss - Finance Expert

Updated: September 26, 2019

There are plenty of affordable options for getting life insurance for someone with Crohn’s, although not every insurer offers cover for Crohn’s disease sufferers.

Many people with Crohn’s or Colitis are classified as having a disability under the 2010 Equality Act. This act prohibits insurers from discriminating by refusing insurance to applicants with a disability.

For someone with Crohn’s, it’s important to understand how the condition and other situation-specific factors could affect your premiums.

Can I get life insurance if I have Crohn’s disease?

The answer is yes! Life insurers will usually offer cover to people with Crohn’s disease.

If you have received a Crohn’s disease diagnosis and would like to apply for life insurance, here are some things to bear in mind:

  • Life insurers won’t consider you for cover unless six months have passed from the time of your initial diagnosis. This is because it usually takes a minimum of six months to ensure the diagnosis was accurate.
  • The longer it’s been since your last flare-up of Crohn’s, the more likely you are to be approved for life insurance and the cheaper your premiums will be.

An insurance company will also weigh up the risk and make a decision on your premiums based on health factors such as your medical history, doctor’s reports, and treatment plan and your Crohn’s disease rating.

The insurance advisors we work with understand how disability risk is measured and can take you directly to the providers with the best quotes for the policy you need. Make an enquiry to get started.

Speak to an expert today

Get Started

Calculating cost of life insurance

In addition to your Crohn’s disease information, insurers will look at a full overview of your health records.

They’ll typically examine the following:

  • Heart rate
  • Weight
  • Blood pressure
  • Overall medical history

They will likely also require you to provide urine (and possibly even blood) samples in a medical exam after the application process and examine results from these before offering life cover.

Your life cover premium price will depend on your personal situation and how severe a case of Crohn’s disease you have.

However, even in very severe cases, an insurance advisor can help guide you towards your best deal. They can also take you directly to a provider they know will be the right match for the details of your application.

Get in touch and we’ll match you with an expert.

Things to know when getting life insurance

Here are some questions a life insurance advisor is likely to ask in order to fully assess your situation and make a recommendation for a life cover application:

  • When were you first diagnosed?
  • When did last symptoms appear?
  • How many episodes have you had in total and over the past six months?
  • Do you take medication?
  • Were you ever hospitalised due to Crohn’s disease?
  • Have you ever been recommended for surgery due to Crohn’s?
  • Have you had surgery?
  • Were you ever qualified for disability due to Crohn’s?

An expert insurance advisor can help you build a complete picture of your condition and circumstances and understand how these will impact on your chances of getting a rated policy.

Speak to an expert advisor today!

Although Crohn’s disease doesn’t shorten life expectancy, it’s a serious condition which may make getting life cover all the more important, particularly if you have dependants.

Life insurance is a vital tool for protecting your loved ones and financial assets should anything happen to you. But finding the best insurer for the specifics of your situation can be complex and you may end up paying higher rates than necessary. That’s why experts recommend soliciting the help of an insurance advisor who can quickly compare all offers available to bring to you directly to your best deal.

Give us a call on 0808 189 0463 or make an enquiry to be connected to an independent insurance advisor.

Ask a quick question

We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in higher-risk life insurance. Ask us a question and we'll get the best expert to help.

FCA Logo
1 of 2
2 of 2 Send!
Richard Angliss

Richard Angliss

Finance Expert

About the author

Richard Angliss has made a career in financial services which stretches over 40 years.

His early career was spent learning about the various financial products and applying them to prudent advice, working for one of the largest life assurance and investment firms. After that he joined the financial services arm of a very well-known firm providing independent advice to their 8 million customers.

For the last 20 years he has been involved in building software solutions that help Advisers and clients work together to achieve good financial outcomes and helping to set up three independent advisory firms. He also has written many articles for financial services publications and provided commentary for newspaper journalists.

At an early stage in his career he realised the great satisfaction that comes with being able to help people achieve their goals and protect their families. “Regulation of financial services has hugely impacted on ensuring people get appropriate advice. The issue these days is access to that advice and just as importantly regular reviews to make sure that everything stays on track”.

With the growing development of online resources such as Online Money Advisor he sees a great future for people to access advice to make their pension and investment work harder for them.  Plus, of course, to ensure they have insurance products in place that will be required when unforeseen events happen.

He knows getting that balance right is crucial to prudent financial planning and the wellbeing of individuals and their families.

FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

Get Started