COLITIS & LIFE INSURANCE ~ UNDERWRITING ISSUES
ULCERATIVE COLITIS & Life Insurance
If you have a history of Colitis 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 Colitis or Ulcerative Colitis ?
Ulcerative colitis is a long-term chronic Inflammatory Bowel Disease (IBD) condition affecting the colon or intestine like Crohn's Disease. The colon, also known as the large intestine, absorbs nutrients from undigested food and passes out waste products through the rectum and anus in stools (faeces). Ulcerative colitis causes the colon to become inflamed (swollen) and in severe cases, ulcers (painful sores) may form on the lining of the colon. These ulcers can bleed and produce mucus and pus.
Symptoms of ulcerative colitis can range from mild to severe, with the condition being very unpredictable. These symptoms can flare up and then disappear (go into remission) for months or even years. Symptoms of ulcerative colitis include: bloody diarrhoea, abdominal pain, a frequent need to go to the toilet or weight loss
At its most severe, the entire colon can become inflamed (known
as pancolitis). This form of ulcerative colitis is particularly challenging to treat. The causes for the condition are unknown, though research suggests that both environmental and genetic factors are involved.
Colitis & Life Insurance Underwriting
In order to check the severity of your Ulcerative Colitis, 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 true Colitis control, may make any plan claim void & the insurer is not obliged on death for the life insurance payout or to refund any premiums paid if this was deliberately not disclosed.
What do Uk Life Insurance Companies look for - when Underwriting a History of Ulcerative Colitis ?
It would depend on the severity of Colitis. 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 Colitis problem now & how does this affect you day to day?
Medical Records - What do your medical records say about you? Have you developed medical problems as a result of Colitis ? If you have already developed associated problems as a result of Colitis, many companies may probably rate or decline in the worst case your premiums.
Treatment - Have you been for Colitis treatment. What is your prognosis ?
Family History - Do you parents or brothers or sisters have a history of Colitis also?
For help with Colitis issues why not visit www.ulcerativecolitis.org.uk or www.nacc.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.)
Have Ulcerative Colitis & looking in 2020 to compare Life Insurance products against other Uk Insurers - including Life cover, decreasing (mortgage protection) or level term life insurance, Life with Critical Illness and Income Protection.
> Need a Competitive Life or Critical Illness Insurance Quote ?
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