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Ulcerative Colitis Life Insurance

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Ulcerative Colitis Life Insurance

For people who suffer from Ulcerative Colitis and are looking for competitive life insurance, you may have found it difficult to get cover in the past. This page focuses on Life Insurance for Ulcerative Colitis and looks at how we can help you to find the best cover at the most competitive rates.

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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

The Insurance Surgery is a leading life insurance expert for people who suffer from pre-existing medical conditions such as Ulcerative Colitis. We use our extensive knowledge of the insurance market to help you to obtain the best cover to protect your family or business and at the most competitive premiums.

Case Study 1

  • Client: Female
  • Age: 45
  • Smoker status: Smoker
  • Medical Condition: Ulcerative colitis
  • Cover date: 27th April 2019
  • Product type: Decreasing life insurance
  • Cover amount: £240,000
  • Cover term: 23 years
  • Premium: £37.48

We were approached by this lady on the 27th April 2019 when she completed an enquiry through our website. Our advisor Sam P then called her back to discuss her ulcerative colitis life insurance needs. At this point she explained that she had mild ulcerative colitis and was a regular smoker. She also said that she was looking for mortgage cover in case anything should happen to her; Sam P then explained to her the difference between level and decreasing life cover, level being that the amount of cover your policy starts at remains the same throughout the term of the policy whereas with decreasing, each year the amount that would be paid out decreases – usually in line with a repayment mortgage. Following her discussions with Sam the client opted for decreasing life insurance as it provides cheaper premiums and each year that passes, she will have paid more off of her mortgage and therefore need less cover if she were to pass away, hence this was the most suitable cover option for her, especially given the budget she had set aside for cover. Sam then took this information and applied to one of our mainstream providers and was able to secure her ulcerative colitis decreasing life insurance for £37.48 which is standard rates for a smoker. This is due to the fact that she has a mild form of ulcerative colitis and that her family medical history is relatively clear of any major health risks. The lady was pleased with this result as it fit her budget and gave her the cover she needs, she accepted the cover terms and was protected from the same day that Sam P contacted her.

Overall, we were so pleased that we were able to secure the lady the ulcerative colitis life insurance that she deserved, and we were especially pleased that we were able to get her covered on the same day that we contacted her due to the fact that the provider did not request a doctors report. She now has peace of mind that her mortgage would be covered if she were to pass away, and we are delighted that we have been able to be a part of this. We are passionate about protecting families and want to help as many people as possible get the protection that they need and that they deserve.

Most Common Questions

Underwriting criteria can vary from one life insurance provider to another for Colitis so it is important that we approach the best provider for you and your condition. We know from our many years of experience and expertise, which providers are best for Ulcerative Colitis and in some cases can obtain caver at standard rates (with no loading).
It may be possible that life insurance could have been declined in the past because of certain factors, such as recent surgery, other complications, medication or underwriting criteria. We always search the whole market for you to find the best cover we can for you based on your current circumstances. If we cannot get cover for you right now through the standard insurance market, then we have other specialist providers we can look at for you and will always continually review your situation in the future.
The good news is that both Critical Illness Cover and Income Protection are potentially available for people who suffer from Ulcerative Colitis. There will be a number of factors to be considered by underwriters and special terms or exclusions may apply depending on severity and frequency of symptoms (for more information see below).

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Ulcerative Colitis and Life Insurance:

Life Insurance for people who suffer from Ulcerative Colitis is generally accepted from the majority of providers and 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 where symptoms are either less frequent or no symptoms in the past 12 months.

If you have been recently diagnosed with Ulcerative Colitis it may also be possible for Life Insurance to be postponed until your condition is under control and stable. You may also be postponed cover if you have had recent surgery or if you are awaiting surgery, or for cases where Ulcerative Colitis is combined with other linked conditions such as Liver Disease.

Critical Illness Cover for Ulcerative Colitis:

Generally there is a good probability that Critical Illness Cover will be available with a history of Ulcerative Colitis, however there may be a loading applied and / or exclusions. For individuals who experienced few flare-ups in the past 12 months and treatment / medication is mild, it may be possible to obtain cover at standard rates or with a small rating.

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

Where symptoms and treatment are more serious, there will generally be an additional loading applied to the premium and exclusions may also be included within the policy you are offered. It is important to read any offer of terms before accepting any policy to ensure that the cover meets your needs and that it is adequate for your requirements. In some more severe cases, Critical Illness Cover may be declined for Ulcerative Colitis based on underwriting risk factors.

Income Protection and Ulcerative Colitis:

Income Protection for Ulcerative Colitis can be difficult to get standard rates and without any exclusions, so expect to have to check your policy wording thoroughly. Insurance underwriters will want to know all relevant information about your condition to accurately assess your application, plus a GP / medical report will usually be required. If you have had few symptoms in the past 12 months and your Ulcerative Colitis is well controlled with mild medication, then you may find that you are offered cover with a small premium increase and / or some exclusions. For more severe and regular symptoms with stronger medication, you will find a higher loading may be applied, with exclusions or even a decline.

Facts about Ulcerative Colitis:

Ulcerative Colitis is a chronic condition that affects the bowel and the large intestine which 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 exactly causes a person to develop Ulcerative Colitis, however it is believed to involve factors such as genetics, an overactive immune system and your environment.

Some people believe that it is caused by diet or something that they have eaten which is a myth.

Useful Links:

Crohn’s and Colitis UK: www.crohnsandcolitis.org.uk
NHS Choices (Ulcerative Colitis): http://www.nhs.uk/conditions/ulcerative-colitis/Pages/Introduction.aspx

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

Other Products:
Ulcerative Colitis Travel Insurance

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