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Irritable Bowel Syndrome (IBS) Life Insurance

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How it works:

Here are some things insurers will need to know when you are applying for Irritable Bowl Syndrome Life Insurance:

  • How often do you suffer from symptoms
  • When were you diagnosed with Irritable Bowel Syndrome
  • Do you take any medication
  • What triggers your symptoms / any linked conditions

The Insurance Surgery are specialists in obtaining cover for people with pre-existing conditions. Irritable Bowel Syndrome Life Insurance is just one of the many conditions we can help with. Our experienced advisors search the whole of the market to get you the insurance you are looking for.

Case Study 1

  • Client: Female
  • Age: 41
  • Smoker Status: Non-Smoker
  • Cover Date: February 2020
  • Product Type: Level Term Assurance
  • Cover Amount: £80,000
  • Cover Term: 26 years
  • Premium: £17.78

Accepted on Ordinary Rates

Case Study 2

  • Client: Male
  • Age: 22
  • Smoker Status: Non-Smoker
  • Cover Date: March 2020
  • Product Type: Level Term Assurance
  • Cover Amount: £300,000
  • Cover Term: 30 years
  • Premium: £29.66

AIG - Offered @ £32.51

Case Study 3

  • Client: Female
  • Age: 29
  • Smoker Status: Non-Smoker
  • Cover Date: January 2020
  • Product Type: Level term Assurance
  • Cover Amount: £124,000
  • Cover Term: 30 years
  • Premium: £20.88

6 or More Companies Quoted Decline

Most Common Questions:

Insurance for people with pre-existing medical conditions is assessed on an individual basis. Cost is influenced by things such as the severity of symptoms, medication taken and how well managed the condition is.

Often if Irritable Bowel Syndrome is your only medical problem and it is simply managed by diet and lifestyle premiums may be on standard rates.

Yes, Critical Illness Cover is usually available for Irritable Bowel Syndrome sufferers. Our advisors can let you know options based on your personal health and circumstances.
Just because one company has said no to cover doesn't necessarily mean all providers will say the same. The team of expert advisors at The Insurance Surgery know which companies to approach depending on your condition and circumstances.
The Insurance Surgery have over 16 years of experience in obtaining life insurance for people with conditions such as Irritable Bowel Syndrome. We offer a full advice service to help you work out what insurance you need, we take all the hard work out of the application by applying for any reports the insurers may require, and we charge no fee for this service.

Independent Reviews at


UK Irritable Bowel Syndrome (IBS) Statistics...

  • Around 1 in 5 people will experience symptoms of IBS at some point in their lives
  • Approximately twice as many women as men are sufferers
  • Typically symptoms first occur between the ages of 20 and 30

What causes IBS?...

The cause of Irritable Bowel Syndrome is unclear but is linked to the oversensitivity of the gut. This could be due to overactive instructions from the brain through times of stress and anxiety, or by intolerance to certain foods.

Some typical symptoms of Irritable Bowel Syndrome...

  • Stomach pains / cramps
  • Bloating of the stomach
  • Change in bowel habits could be constipation, diarrhoea or both
  • Lack of energy
  • Back pain
  • Nausea

Treatment for Irritable Bowel Syndrom...

Typically IBS is managed through diet and lifestyle choices such as:

  • A carefully managed diet that avoids foods that trigger symptoms (often different for individuals so keeping a food diary can help to identify these trigger)
  • Manage the amount of fibre eaten (more for constipation symptoms and less for diarrhoea)
  • Regular exercise often helps ease symptoms
  • Reduce stress levels

If medication is prescribed some types are:

  • Laxatives / antimotility medication
  • Antispasmodics (to ease cramps)
  • Low dose antidepressants


Useful Links:

IBS Network: https://www.theibsnetwork.org/
IBS Support Group: http://www.ibsgroup.org/
Core Charity: http://corecharity.org.uk/
NHS Choices: http://www.nhs.uk/Conditions/Irritable-bowel-syndrome/Pages/Introduction.aspx

Welcome to The Insurance Surgery's page that is dedicated to clients who suffer from Irritable Bowel Syndrome (IBS).

The Insurance Surgery has for over 15 years specialised in obtaining financial services for clients with Irritable Bowel Syndrome (IBS).

Whether you are looking for Travel Insurance, Life Insurance, Income Protection Insurance or would just like to obtain some information we will do our utmost to help. 

If you live with Irritable Bowel Syndrome (IBS) and you require a quotation for life insurance please note that we guarantee to obtain the most competitive life insurance quotes available. 

Please read our summary of how IBS can affect your insurance needs.

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