Liife insurance with Crohn’s disease

The majority of people with Crohn’s disease can get approved for a life insurance policy — but the premium will be more expensive.

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

Yes, many people with Crohn’s disease are able to get life insurance, but it isn’t guaranteed. You’re more likely to be approved if your disease is under control and hasn’t caused complications such as malnourishment, extreme weight loss or liver inflammation.

Is there any chance my application will be denied because of my Crohn’s?

Yes. If your condition is life-threatening, you’ve been recently hospitalized or you have other health conditions that put you at risk, your application can be denied.

How to get covered

If you’re looking for a low-cost health insurance policy:

• See your doctor. Get a checkup and collect any paperwork. If you can get evidence to show a long history of living with Crohn’s, a pattern of stable health over the last several years or a lack of recent hospitalizations, it’ll help you convince your insurer that you aren’t a big risk.
• Be realistic with coverage. Work out how much coverage you actually need so that you don’t overpay for a policy.
• Compare a range of deals. Compare policies from several different brands to get the best price. You should check both the level of coverage and the cost when you compare plans.

Be honest on your application

Someone with Crohn’s disease poses a bigger risk to the insurance company than someone who is fit and healthy, which means it’ll cost more to get covered.

Although it may be tempting, one thing you should never do is fail to provide details of your condition to cut that cost down. If and when a claim is made on the policy, if your insurer finds out that you were dishonest or withheld information on your application, your claim can be denied — even if you’ve been faithfully paying on the policy.

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What can I do if my application is denied?

If your application is denied, you have a couple of options. You can either apply to another provider, or wait a while before applying again. If you were recently hospitalized or were diagnosed in the last year, you’re more likely to get approved if you wait a year before applying again.

Can an insurer cancel my policy if I get worse?

No. Your insurer can only cancel your policy if you lied on your application or didn’t pay your premiums. An insurer can’t cancel your policy or change your policy rate during your term if you get sick, get older or change your health habits.

However, if you purchase a term life insurance policy and your health worsens, your premium can go up significantly when the term ends. Check the fine print on your policy to find out how long your premium rate is guaranteed for.

What is Crohn’s disease?

Crohn’s disease is a type of inflammatory bowel disease that can affect people at any age but generally develops in people aged 15 to 30 years. Symptoms include:

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Name	Product	Issue age	Minimum Coverage	Maximum Coverage	Term Lengths	Medical Exam Required
Policygenius - Life Insurance		18 - 85 years old	$50,000	$10,000,000	10, 15, 20, 25, 30 years	Depends on provider and policy	Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.	Go to site More Info	Compare	loading Fetching your data...
Everyday Life		18 - 70	$100,000	$10,000,000	10, 15, 20, 25, 30, 35 and 40 years.	No	Ladder multiple life insurance policies to save on the coverage you need for all your debts.	Go to site More Info	Compare	loading Fetching your data...
JRC Life Insurance		18 - 85 years old	$5,000	$50,000,000	10, 15, 20, 25, 30, 35, 40 years to lifetime/age 121	May be required	Compare policies up to $10 million from 45+ top insurance companies with the click of a button.	Go to site More Info	Compare	loading Fetching your data...
Nationwide life insurance		18 - 80 years old	$25,000	$10,000,000	10, 15, 20 and 30 years	Yes	Get term, whole, universal or no-exam life insurance with up to $1 million in coverage.	Go to site More Info	Compare	loading Fetching your data...
Haven Life		20 - 64 years old	$250,000	$3,000,000	10, 15, 20, 25 or 30 years available to those aged 20 - 49 years old. 10, 15, or 20 years available to those aged 50 - 64 years old.	No exams for some applicants	Fill out a quick online application and get approval in minutes with up to $3 million in coverage.	Go to site More Info	Compare	loading Fetching your data...
Quotacy		18 - 80 years old	$50,000	$65,000,000	10, 15, 20, 30 and 40 years	Depends on provider and policy	Score the lowest rate on life insurance by comparing no obligation quotes from 14+ companies online. No contact info, no spamming.	Go to site More Info	Compare	loading Fetching your data...

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Bottom line

Advancements in medicine over the last several decades have greatly reduced the mortality rate for people living with Crohn’s disease, making it easier than ever to get approved for a life insurance policy. While there’s a possibility of paying a higher premium, particularly if your disease has complications, many providers still offer affordable policies.

Frequently asked questions

• Can I take Tylenol if I have Crohn's disease?

  While you should always check with your doctor before taking any medication, Crohn’s is known for reacting adversely to Tylenol. Some Crohn’s patients may need to avoid all NSAIDs, including ibuprofen. If a flare-up is causing pain, ask your doctor which medications are safe.

• Is there a cure for Crohn's?

  No. While there isn’t a cure, Crohn’s is treatable and many people live with the disease.

• How is Crohn's diagnosed?

  Crohn’s disease can be difficult to diagnose. Patients present with symptoms that can be similar to other GI disorders. Lab tests are the only way to confirm the presence of Crohn’s.

• If I think I have Crohn's but haven't been diagnosed, do I need to tell my insurer?

  Yes, you should always disclose any medical information to your insurer. But if you think you have Crohn’s and aren’t sure, your first step should be a visit to your doctor to find out for sure.