Life Insurance with Crohn’s Disease
You might not think affordable life insurance with Crohn’s Disease is possible, but it is.
Whether your condition is mild or severe, you have life insurance options. And our independent agency is here to help you find your best policy and price.
As long as you’re between ages 50 and 85, you cannot be turned down due to your condition.
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Crohn’s Disease & The Need For Life Insurance
Crohn’s disease affects both your health and your finances.
The Health Impact
Crohn’s disease is a type of inflammatory bowel disease where an abnormal immune system response causes chronic inflammation in the digestive tract. When the immune system tries to fight off harmful microorganisms, it attacks the cells in the gastrointestinal tract too.
Crohn’s disease also increases your risk for further complications, including ulcers, bowel damage, and colorectal cancers.
The Financial Impact
A recent cost of care study conducted by the Crohn’s & Colitis Foundation concluded: The costs of care for IBD have increased dramatically in the last five years. The study estimated the annual cost of care for Crohn’s disease is around $22,000.
No one plans on getting Crohn’s or any chronic health condition for that matter. Therefore, those who do will likely have to make adjustments to their original financial plan.
How Life Insurance Can Help
It’s hard to predict precisely how Crohn’s will affect your finances. However, regardless of what may come, a senior life insurance policy can provide a financial safety net around those you love most. Life insurance provides guaranteed funds paid directly to your beneficiary upon notification of death. Funds can help pay for funeral cost, unpaid medical bills, personal debts, or however else your family may need.
Life Insurance Options For People with Crohn’s Disease
Depending on the severity of your symptoms, Crohn’s patients may have multiple life insurance options available.
Final Expense Life Insurance – If your condition is mild and you have no other health complications, you may qualify for a traditional no-exam life insurance policy. These policies provide up to $40,000 in coverage and day one coverage.
Guaranteed Acceptance Life Insurance – If your symptoms are severe or if you have additional health complications, guaranteed acceptance life insurance is your only coverage option. There are no medical exams or any health questions. As long as you’re between ages 50 and 85, your acceptance is guaranteed regardless of health condition.
How Crohn’s Disease Affects Your Life Insurance Rates
Individuals shopping for life insurance with pre-existing medical conditions pay higher premium rates than healthy individuals. Most people are aware of this. However, that doesn’t mean your rates are going to be unaffordable.
Premium rates are determined by what type of policy you qualify for, the amount that you’re seeking, as well as your age, state of residence, and gender.
Our knowledgeable agents help you adjust your policy to fit your budget. Remember, some coverage is better than no coverage.
Finding Your Best Policy
If you’re looking for your best policy, you’re going to have to shop around. Our agency helps you shop and compare life insurance companies across the country. As a result, you save both time and money on your coverage.
Although there are many insurance carriers out there, we recommend that individuals seeking life insurance with Crohn’s disease quote the following three carriers.
These three carriers offer the best rates for individuals with chronic health conditions.
How To Enroll
Enrolling in life insurance with Crohn’s disease is easier than you might think. Our digital tools allow you to quote, compare, and enroll in your best in a matter of minutes.
Quote all the top providers with our easy to use quoting engine.
Compare policy details and rates with the help of one of our expert agents.
Enroll in a matter of minutes over the phone.
Once enrolled, your policy is shipped directly to you for review. Depending on your state of residence, you’ll have up to 30 days as a ‘Free Look’ period to review your policy risk-free. We work with you through this period to make sure you get exactly what you’re looking for.
We’ve helped thousands of people secure the funds they need to protect their families. We’d love to help you too.
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