Article on:

   CROHN'S and Life Insurance  

Compare Underwriting On
         ~ Life Insurance & Critical Illness Deals

 
CROHN'S and Life Insurance - Compare Deals

On-line >15 secs 

 
Crohns & Life Insurance - Broker help

Article On - CROHN'S and LIFE Insurance ~ Broker Help

CROHN'S & Life Insurance Underwriting

CROHN'S & LIFE INSURANCE ~ UNDERWRITING ISSUES

Crohn's & Life Insurance 

If you have a history of Crohns, a broker may still be able to help you obtain life or critical illness insurance - although maybe not onto standard terms. There are some critical factors involved that will determine your ability to obtain coverage & your information is always treated with the utmost privacy by the insurer or broker.

Life Insurance - What is Crohn's ?

Crohn's disease is a condition that causes inflammation of the gastrointestinal tract (gut). The gut consists of the oesophagus (gullet), stomach, and small and large intestine. Chron's disease can affect any part of the gut. However, it most commonly occurs at the lower end of the small intestine, known as the ileum. Typical symptoms include, pain, ulcers and diarrhoea. Daily medication can be taken to relieve the symptoms but sometimes, surgery to remove part of the gut, may be required. 

Crohn's and colitis are 2 similar, but separate, conditions of the bowel that are commonly referred to as inflammatory bowel diseases [IBD]. Both conditions cause painful inflammation and ulceration of the digestive tract.

Crohn's inflammation can occur anywhere from the mouth to the anus, and colitis is usually confined to the large bowel (colon) and rectum. The symptoms can be very isolating and debilitating for an IBD sufferer, and include painful abdominal cramping, weight loss, malnutrition, chronic diarrhoea, nausea and fatigue. Treatment can include long-term, strong medications and in some cases surgery. Sufferers can find that IBD and its associated symptoms has a great impact on their confidence or emotional outlook.

The outlook for people with Crohn's disease varies depending on which part of the gut is affected, and the severity and frequency of the symptoms.

Crohn's Disease and Life Insurance
Crohn's & Life Insurance Underwriting

 In order to check the severity of Crohn's, Insurers are likely to request a GP or Medical Report if you are requesting additional options over and above just pure lifecover. Note non-disclosure of your actual Crohn's problem, may make any plan claim void & the insurer is not obliged on to payout or to refund any premiums paid if this was deliberately not disclosed. 

What do Life Insurance Companies look for
 - when Underwriting a History of Crohn's Disease ?

It would depend on the severity of Crohn's. For Life and Critical lllness Cover most insurers would view each case on an individual basis before making a decision. However the likely decision for cover maybe a substantial premium rating. Note that decisions may vary quite dramatically between insurers so please contact us for help & advice.

  • History - What happened in the past? How severe is the Crohn's problem now & how does this affect you day to day? What part of you did it affect ie; small intestine only, small intestine & right side large intestine, more than right side large intestine or 
    intestine & other areas ?
  • Have you had surgery for this ? 
  • Medical Records - What do your medical records say about you?  Have you developed medical problems as a result of Crohn's ?  If you have already developed associated problems as a result of Crohn's, many companies may probably rate your premiums.  
  • Treatment - Have you been for Crohn's treatment. What is your prognosis ?  
  • Family History - Do you parents or brothers or sisters have a history of Crohn's also?

For help with Crohn's issues why not visit  www.crohnszone.org or www.crohns.org.uk *
( * Note: You are now leaving the regulated site of Uk Life Insurance Quotes. Neither ourselves, nor Sesame Ltd, is responsible for the accuracy of the information contained within the linked site.) 

> Need a Competitive Life or Critical Illness Insurance Quote in 2017 ?

FOR PROTECTION PRODUCTS WE USUALLY OFFER FROM A LIMITED PANEL OF PROVIDERS
For products with an investment element we will introduce you to an authorised adviser

 

Crohn's & Life Insurance Underwriting Review 

 

Why are you reviewing Crohns & Life Insurance ?
 
 

Broker advice -  Crohns & Life Insurance Cover



 

 

 

 

 

 

 

 

 
 
 
Home
Income Protection
Critical Illness
Life Insurance Quote
Term Life Cover QUOTE
Buying Life Insurance - FAQ
Over 50 - Whole Life Insurance QUOTE
Over 50 - Term Life Cover QUOTE
Over 40 - Life Insurance QUOTE
Family Income Benefit Insurance - FAQ
Business Protection - FAQ
Small Business Insurance QUOTE
Health Underwriting Problems - FAQ
Top 10 Tips Life Insurances
Mortgage Protection
Compare Insurer

 

Linkedin Martyn Spencer Calculate Button 1 Broker Help ~ Life Insurance Cover Quotes Insurance Take Care of YourselfGreat Ormond Street Charity Fundraiser

This website is intended for UK consumers & any information contained therein is for Generic Guidance only and is not to be construed as advice. For protection products we usually offer from a range of providers. For products with an investment element we will introduce you to an authorised adviser. We may also introduce you to other selected professional partners for other protection or legal products as deemed appropriate. Online Dispute Resolution (ODR) - https://webgate.ec.europa.eu/odr/main/index.cfm?event=main.home.chooseLanguage. Financial Ombudsman. http://www.financial-ombudsman.org.uk We nominate to fundraise for Great Ormond Street Hospital Charity.

UK Life Insurance Quotes is a trading style of Martyn Spencer which is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority FCA. FCA Register No: 416331

 

Secure Data Protection Registered & comply with the Data Protection Act (1998). Personal information is secure online, not misused or sent via spam. T&C:Cookies   
* Note: re any 3'rd Party Website links - You are now leaving the regulated site of Uk Life Insurance Quotes.
Neither ourselves, nor Sesame Ltd, is responsible for the accuracy of the information contained within the linked site. 

Uk Life Insurance Quotes 
Broker Registered Office: Clyde Cottages Stafford ST20 0BU

 
www.intergage.co.uk
www.webdesigninhampshire.co.uk