Underwriting for Coeliac disease life insurance will depend on the following factors. Insurers will want to know the following details about your condition:
- The date of your initial diagnosis
- How often your Coeliac disease flares up
- Whether or not you follow a strict gluten-free diet
- Any hospital admissions
- Medications taken
- How the condition affects your lifestyle and daily activities
- Whether your condition prevents you from working
- Whether Coeliac disease runs in your family’s medical history
- Any other complications
Many applications for Coeliac disease life insurance can be easily accepted by some insurers. This will however depend on the severity of your symptoms and whether you follow a strict gluten-free diet to manage your condition. Coeliac disease doesn’t have an impact on a person’s lifespan, so you should find that you will be able to find cover with a standard premium. That said, if your symptoms are more severe, you may have to pay a higher premium. Some insurers may decide that you have to wait for a set amount of time before they will consider your application. This is especially the case if you have been first diagnosed. If you have suffered with Coealic disease for more than 9 months, and your symptoms are manageable, you may be offered standard life insurance premiums. Always bear in mind that an insurer may request a medical report from your GP to assess your condition.
Ratings for Coeliac disease life insurance vary greatly, depending on a person’s individual circumstances and the severity of their condition. At The Insurance Surgery, we can help you find the right insurance provider for your circumstances.