Article on:
CROHN'S and Life Insurance
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Article On - CROHN'S and LIFE Insurance ~ Broker Help
Crohn's & Life InsuranceIf 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.
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
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FOR PROTECTION PRODUCTS WE USUALLY OFFER FROM A LIMITED PANEL OF PROVIDERS |
Crohn's & Life Insurance Underwriting Review
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This website is intended for UK consumers & any information contained therein is for Generic Guidance only and is not to be construed as advice. By completing one of our no obligation quotation request forms, you may be provided with comparison protection quotes, key facts from leading Providers - based just on the basic information you have provided. Note: These quotes will not take account of any personal, health or lifestyle issues unless a full application is completed. You also consent for us to then kindly contact you by phone - where we may offer Professional Broker help & guidance if needed. We may as appropriate then help to arrange a suitable protection policy based upon your own circumstances & needs after a further review by "advice & recommendation". This will usually be on a non face to face basis. For products with an investment element we will introduce you to an authorised adviser. We act as introducers for Accident, Sickness and Unemployment and Mortgage Payment Protection Insurance plans. 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. https://www.financial-ombudsman.org.uk We nominate to fundraise for Great Ormond Street Hospital Charity. |
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