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Ulcerative Colitis Life Insurance

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ulcerative colitis life insurance

Ulcerative Colitis Life Insurance

If you suffer from Ulcerative Colitis and need Life Insurance, you may have struggled to get cover in the past. At The Insurance Surgery, we are specialists in life insurance for pre-existing medical conditions, including Ulcerative Colitis.

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How it Works

For people who suffer from Ulcerative Colitis, life insurance underwriters will want the following information:

  • Age at diagnosis
  • Medication / treatment
  • Frequency of symptoms (Flare-ups)
  • Any hospital admissions
  • Related conditions (e.g. Liver Disease)

At The Insurance Surgery we have extensive knowledge and experience of the insurance market. This means we can help you obtain the best cover to protect your family or business at the most competitive premiums.

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Ulcerative Colitis And Life Insurance:

Life Insurance for people who suffer from Ulcerative Colitis is generally accepted by the majority of providers. It will either be at standard rates (no loading) or can come with special terms. Where additional loadings or special terms are applied, this will usually be due to more regular symptoms and medication / treatment. 

It is possible to obtain Life Insurance for Ulcerative Colitis at standard rates with no additional loading. This is when symptoms are less frequent or there have been no symptoms in the past 12 months.

If your Ulcerative Colitis diagnosis was recent, it may be possible to postpone Life Insurance cover until your condition stabilises. Your cover may be postponed if you’ve recently had surgery or you are awaiting surgery. It may also be postponed when Ulcerative Colitis is combined with other linked conditions such as Liver Disease.

Critical Illness Cover For Ulcerative Colitis:

Generally there’s a good chance that Critical Illness Cover can be secured if you have a history of Ulcerative Colitis. There may, however, be loading and / or exclusions applied. 

Cover can be secured if your Ulcerative Colitis is well managed with few flare ups. If you are receiving mild medication or treatment, cover is possible. This would be at standard rates or with a small rating.

Underwriters will want to know the frequency and severity of any symptoms (flare-ups) and details of any medication or treatment. They will also need to know details of any surgery or planned surgery and the date you were diagnosed.

If the symptoms and treatment are more serious, there will generally be an additional loading applied to the premium. Exclusions may also be included within the policy you are offered.

In some more severe cases, Critical Illness Cover may be declined for Ulcerative Colitis based on underwriting risk factors.

It’s important to read any offer of terms before accepting a policy. This is to ensure the cover meets your needs and is adequate for your requirements.

Income Protection And Ulcerative Colitis:

Income Protection for Ulcerative Colitis can be difficult to secure at standard rates and without any exclusions. Insurance underwriters will need to know all relevant information about your condition to accurately assess your application. A GP / medical report will usually be required.

Cover is possible if you’ve had few symptoms in the past 12 months. If your Ulcerative Colitis is well controlled with mild medication, you should also have no problems.

However, it may be offered with a small premium increase and / or some exclusions. For more severe and regular symptoms with stronger medication, a higher loading may be applied with exclusions, or even a decline.

Case Studies

Most Common Questions

We answer your most frequently asked questions.

Underwriting criteria can vary from one life insurance provider to another for Ulcerative Colitis. It’s important that we approach the best provider for you and your condition.

We know from our many years of experience which providers are best for Ulcerative Colitis. In some cases cover can be obtained at standard rates (with no loading).

You may have been declined Life Insurance previously due to certain factors including recent surgery, other complications, medication or underwriting criteria.

We always search the whole market to find the best cover we can for you based on your current circumstances.

If we can’t secure you immediate cover through the standard insurance market, we have other specialist providers we can approach. We will always continue to review your situation in the future.

The good news is that both Critical Illness Cover and Income Protection are potentially available for Ulcerative Colitis sufferers.

There are a number of factors to be considered by underwriters. Special terms or exclusions may apply depending on severity and frequency of symptoms (for more information see below).

Facts About Ulcerative Colitis:

Ulcerative Colitis is a chronic condition that affects the bowel and the large intestine. It causes inflammation of the rectum and colon. The effects of the condition can cause symptoms such as diarrhoea, abdominal pain and regular need to empty your bowel.

Ulcerative Colitis Stats (UK)

  • Most common type of Inflammatory Bowel Disease (IBD)
  • 146k patients diagnosed with Ulcerative Colitis each year
  • Most common in people between 15 and 30
  • Can affect Males and Females equally
  • 20% of people with Ulcerative Colitis have a blood relative with IBD

Causes Of Ulcerative Colitis:

It is not currently known what causes a person to develop Ulcerative Colitis. It is believed to involve factors such as genetics, an overactive immune system and your environment. Some people believe that it’s caused by diet or something they have eaten which is a myth.

Useful Links

The Insurance Surgery specialises in finding the best life insurance products for people with pre-existing medical conditions including Ulcerative Colitis. We aim to find you the right cover to protect your family or business at the most competitive prices.
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