Will Having Crohns Affect How Much I Pay?

Yes, it will possibly influence the amount you pay each month for cover, to what degree, of course, depends on the severity of your condition, how often you suffer with it, any treatment you have required. All cases are individually assessed. Our team of advisors are experts at what is available on the market and who offers the best rates for Crohns.

Will Critical Illness Cover Be Available For Me?

We may be able to help you obtain Critical Illness Cover too. As with life insurance each case is individually assessed and sometimes exclusions can apply. Our expert advisors will look for the best cover available to you and will talk you through any exclusions if these are applied.

What If I Have Been Declined Cover Previously?

This isn’t a problem. Often this can simply be down to not applying through a specialist such as The Insurance Surgery. We can look across the whole of the market to find cover and a previous decline will not count against you in any way.

Why Should I Apply Through A Specialist Broker?

The Insurance Surgery have been helping people with pre-existing conditions such as Crohns Disease to obtain life insurance for over 16 years. We understand your condition and we know where to go to obtain you the best cover available for your circumstances. We do all the hard work such as obtaining GP reports and chasing up required information for your application to proceed.

Life insurance and Crohn’s disease

Life insurance is essential for protecting your family’s financial future. If you’re affected by Crohn’s Disease, we can match you to an insurance provider who understands your health.

Discuss your Crohn’s life insurance needs

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How to find the right life insurance when you have Crohn’s disease

If you have Crohn’s disease, you may worry that it affects your chances of getting life insurance. While suffering from Crohn’s disease may make it harder to find affordable life cover, it’s not impossible.

What you need is the right insurance provider who understands your health problems. That’s where The Insurance Surgery can help.

How does life insurance work?

Life insurance is one way to provide for your family when you no longer can. If you pass away before the end of the policy, your loved ones will receive a lump sum to pay for funeral costs, cover mortgage or rent payments, and maintain their way of life.

The cost of monthly payments will depend on:

your personal circumstances
what you want the lump sum to pay for
how much cover you need

There are two main types of life insurance: whole life and term insurance. It’s worth finding out how whole life and term insurance differ to choose the best option for you.

Whole life insurance covers you for your entire lifetime. The cost of your premiums will depend on your personal circumstances and how much you want your family to receive. As long as you continue to pay into the policy, your family is guaranteed to receive a lump sum when you pass away.

Term life insurance covers you for a set period of time, generally between 10 and 30 years. If you die during that term, your family will receive a lump sum payout. However, if you die after the policy term ends, your family will receive nothing.

We won’t expect you to know instantly which policy type is right for you and your family. We’ll work together with you to help you figure out which is best for your budget, and your loved ones.

Request a callback to talk about life insurance

What causes Crohn’s disease?

Crohn’s disease is a chronic condition that causes inflammation and damage to the lining of your digestive tract. The causes of Crohn’s disease are thought to be a combination of factors. These include your family history, your immune system, and the environment you live in.

According to research by Crohn’s & Colitis UK, there are over half a million people in the UK living with Crohn’s disease or ulcerative colitis.

What are the health risks caused by Crohn’s disease?

Crohn’s disease can affect your health in many ways. Possible health risks caused by Crohn’s disease include bowel obstruction, ulcers, malnutrition and weight loss, blood clots, and colon cancer.

Crohn’s disease is a complex and unpredictable condition that affects each person differently.

Finding an insurer who understands how Crohn’s disease affects your health

If you have Crohn’s disease, you may find it challenging to buy life insurance from some providers.

This is because Crohn’s disease is considered a pre-existing medical condition, which means you have a higher risk of developing health complications or dying prematurely. Some insurers may reject your application, charge you higher premiums, or exclude Crohn’s disease from your cover.

But this doesn’t mean you have to abandon your search for life insurance.

There are insurers who specialise in providing cover for people with Crohn’s disease and other chronic conditions. They have a better understanding of how Crohn’s disease affects your health and can offer you more suitable and affordable policies.

The Insurance Surgery is one of the leading experts in finding life insurance for people with pre-existing conditions. For over 20 years, we have helped customers with Crohn’s disease and other medical conditions to get the best deals on life insurance.

We also offer free and impartial advice and support throughout the whole process.

We pride ourselves on matching you to a provider who will act in your best interests and will take the time to understand how your Crohn’s diagnosis affects your general health.

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How much does Crohn’s disease life insurance cost?

The cost of Crohn’s disease life insurance will depend on your personal circumstances and the type of policy you’re interested in.

We can’t give you an exact quote without knowing details such as:

your age
your dependants
income and outgoings
the amount of cover you need
the type of policy
the length of the policy
your medical history

Some insurance companies may provide online calculators to give a ballpark figure, but we think you deserve more. Our insurance quotes take place over the phone because we pride ourselves on finding out as much as we can about you and your health.

That way, you know that any premium price we quote is designed specifically for you.

But here are two examples of customers with Crohn’s disease life insurance to give you an idea:

Crohn’s Disease Life Insurance Example Cost #1

Alice was diagnosed with Crohn’s disease three years ago. She is 35 years old. She works from home and manages her symptoms with medication and diet. She has mild flare-ups every few months, but this doesn’t interfere with her work. She and her husband Tom have three children. Alice works as a graphic designer. Her salary is £30,000. Alice wants a policy to be in place for the next 50 years with a payout of £250,000.

Alice’s monthly premium is £38.04.

She would pay £456.48 per year.

£22824.00 in exchange for a | £250k payout

Crohn’s Disease Life Insurance Example Cost #2

Ben is 55 years old. He works as an engineer and earns £76,000. He was diagnosed with Crohn’s disease four years ago. He has severe symptoms, with regular hospital visits and surgery. He plans to retire soon and wants to leave some money for his son and daughter. He is a widower. He wants to take out a 20-year term life insurance policy with a payout of £350,000.

Ben’s monthly premiums are £127.41

He would pay £1528.92 per year.

£30578.40 in exchange for a | £350k payout

Get in touch today for your free life insurance quote

Life insurance when you’ve experienced complications

If you have Crohn’s disease, you may have experienced complications such as bowel obstruction or colon cancer. This can make it even more difficult to find affordable life insurance. Some insurers may decline your application, charge you higher premiums, or insist on a reduced payout.

But this doesn’t mean you have to settle for a poor deal or no deal at all.

There are insurers out there who will offer life insurance, as long as you provide them with the right information and evidence. This may include your medical records, test results, treatment plans, and letters from your doctor.

The Insurance Surgery can help you to find these insurers.

We have a team of expert advisers who can guide you through the application process and negotiate with insurers on your behalf. We can also help you to gather and present the relevant documents and answer any questions the insurers may have. We have a record of helping people who have been declined elsewhere, so you can trust us to find you the best possible deal.

Request a callback to find out how we can help you

Income protection if you need to take time off work

If you have Crohn’s disease, you may need to take time off work due to your symptoms, treatment, or complications. This can affect your income and your financial security.

Income protection insurance provides a regular income until you return to work, retire, or reach the end of the policy term.

Income protection insurance can help people like you cope with the financial impact of taking time off work. Research by Crohn’s & Colitis UK found that people with Crohn’s disease or ulcerative colitis take an average of 20 days off work each year because of their condition.

For you, this number may be different, depending on the frequency of flare-ups, your job, and the support available at work.

The Insurance Surgery can help you find the best income protection for your circumstances and Crohn’s disease life insurance policy. We’ll talk to you about your heath and how it affects your work. And we’ll take the time to look at what protection you already have in place – for example, if your employer offers access to enhanced sick pay packages, or whether you would need to rely on SSP. By paying attention to the small details, we can potentially lower the amount of cover you need and reduce your costs.

Talk to us today about combining income protection with Crohn’s disease life insurance

Is Crohn’s considered a critical illness?

Crohn’s disease isn’t seen as a critical illness by most insurance providers.

However, some insurers may include Crohn’s disease in their critical illness cover. This will depend on the severity and extent of your condition. You will need to provide medical evidence and go through a medical examination to prove your eligibility. You may also be charged higher premiums or have exclusions or limitations on your cover.

If there are any exclusions or issues that may impact your cover, please do not be alarmed. From the very outset, we will always sit and talk to you about the intricate details of your policy. We will only ever proceed your policy once we’re satisfied that you know what you are taking out and how it will protect your family.

Being honest about your Crohn’s disease

If you have Crohn’s disease, you may be tempted to hide your diagnosis or your symptoms when you apply for life insurance. However, you may be accused of insurance fraud if you conceal your diagnosis. Insurance fraud is a criminal offence, and as a result:

your policy may be cancelled or voided
your claim may be rejected or reduced
your insurer may take legal action against you
your credit rating may be affected

It’s important to be honest and upfront about your Crohn’s disease when you apply for life insurance. You should tell us about your diagnosis, your symptoms, your treatment, your complications, and any other relevant information. This will help us to assess your risk and offer you a fair and accurate quote.

Being honest about your Crohn’s disease will also give you peace of mind that your policy is valid, and your claim will be paid.

How can The Insurance Surgery help?

At The Insurance Surgery, we are a leading specialist insurance broker for people with a medical condition that makes it difficult to find life insurance. We know that having Crohn’s disease can be challenging, but we’re here to help you find the best life insurance policy for your needs and budget.

The Insurance Surgery doesn’t provide life insurance quotes online. Instead, we offer a personalised service over the phone, taking the time to get to know you. We then use our extensive range of insurance providers to find the best deal for you.

The Insurance Surgery has a proven track record of helping people who have been declined for life insurance elsewhere. We also have a price promise that means our quotes won’t be cheaper anywhere else. You can trust us to find the best policy at the best price.

Speak to our team of experts for FREE specialist advice today

Need Advice Regarding Critical Illness Insurance?

We answer your most frequently asked questions.

Can someone with Crohn’s disease get life insurance?

Yes, someone with Crohn’s disease can get life insurance. However, it may be more complicated and expensive than for someone without a chronic condition. The cost and availability of life insurance depend on your age, health, lifestyle, and other factors. If you have Crohn’s disease, you may be considered a higher risk by some insurers. You may be charged higher premiums, Crohn’s disease may not be included in your cover, or your application may be declined. Thankfully, there are insurers who specialise in providing life insurance for people with pre-existing conditions like Crohn’s.

Can you get term life insurance if you have Crohn’s disease?

Yes, you can get term life insurance if you have Crohn’s disease. However, it may depend on the severity of your condition, the type of treatment you receive, and the frequency of your flare-ups. Term life insurance covers you for a set period of time, usually between 10 and 30 years. If you die during that term, your family will receive a lump sum payout.

Some insurers may offer you Crohn’s term life insurance at standard or slightly increased rates if you have no or slight symptoms. Some providers, however, will charge you higher premiums, exclude Crohn’s disease from your cover, or decline your application.

How does Crohn’s disease affect everyday life?

Crohn’s disease can affect everyday life in many ways. You may need to avoid certain foods and drinks and take supplements. It may be necessary to take time off work because of your condition. You may need to adjust your working hours and ask for support from your employer. You may experience changes in your mood, self-esteem, or body image, due to your condition or medication. You may have to limit or modify your hobbies, sports, or travel plans.

Living with Crohn’s disease can be challenging, but there are ways to cope with the condition and improve your quality of life. Organisations like Crohn’s & Colitis UK offer plenty of help and advice.

Does Crohn’s affect life insurance?

Yes, Crohn’s does affect life insurance. If you have Crohn’s disease, you may be considered a higher risk by some insurers. As a result, your monthly payments may be higher, Crohn’s disease may be excluded from your cover, or the provider may decline your application. Thankfully, there are insurers who specialise in providing life insurance for people with Crohn’s disease.

Is Crohn's disease insurable?

Yes, Crohn’s disease is insurable, but it may be more complicated and expensive than for someone without a chronic condition. Depending on the type of insurance you want, such as life insurance or income protection insurance, you may need to provide more information and evidence about your condition, such as your diagnosis, symptoms, treatment, complications, and test results. You may also need to go through a medical examination to prove your eligibility.

What is the life expectancy of a person with Crohn's disease?

The life expectancy of a person with Crohn’s disease isn’t significantly different to someone without the condition. However, Crohn’s disease may increase your risk of developing certain health problems or dying prematurely from causes such as respiratory diseases or colon cancer. These risks depend on the severity of your condition, the type of treatment you receive, and other factors like your age, gender, and lifestyle.

Is Crohn's considered a pre-existing condition?

Yes, Crohn’s disease is considered a pre-existing condition by most insurance providers. This means that you have a higher risk of developing health problems or dying prematurely because of the condition. Some insurers may reject your application, charge you higher premiums, or exclude Crohn’s disease from your insurance cover.

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Life insurance and Crohn’s disease

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Why Choose The Insurance Surgery

How to find the right life insurance when you have Crohn’s disease

How does life insurance work?

What causes Crohn’s disease?

What are the health risks caused by Crohn’s disease?

Finding an insurer who understands how Crohn’s disease affects your health

How much does Crohn’s disease life insurance cost?

Life insurance when you’ve experienced complications

Income protection if you need to take time off work

Is Crohn’s considered a critical illness?

Being honest about your Crohn’s disease

How can The Insurance Surgery help?

Need Advice Regarding Critical Illness Insurance?

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