Life Insurance

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bania
Veteran Member


Date Joined Dec 2003
Total Posts : 614
   Posted 8/28/2008 12:56 PM (GMT -7)   
Hello, I was wondering if anyone had experience applying for (and hopefully obtaining) life insurance. I have had Crohn's for 20 years, and while it's largely under control, I was hospitalized for a flare-up earlier this year. I am now trying to obtain life insurance. Most companies appear to automatically bump you to a worse rate class (or even disqualify you) just for having Crohn's, without any regard to the severity of your case. Has anyone had success getting life insurance? If yes, what company did you go with and did you find that any companies were better than others as far as understanding the intricacies of this disease? I contacted CCFA about this but they didn't really help. Thanks in advance for any help!

~ Bania
Soup's not a meal!  You're supposed to buy me a meal!
 
Bania
 


29Lancelot
Regular Member


Date Joined Aug 2008
Total Posts : 37
   Posted 8/28/2008 3:07 PM (GMT -7)   
I have never had difficulty getting life insurance - but have been regularly denied disability coverage on loans or mortgages etc.

  • CD dx '86. Re-section '93. Dx Crohn's Colitis '98.
  • Participation in Remicade trials (fistulae) late 90's.
  • Manifestations of fissures, fistula, scleritis, polyarthralgia and erythema nodosum.
  • Presently on Imuran, Cipro, Flagyl and Remicade (2nd attempt - 10 yrs later).  


FitzyK23
Veteran Member


Date Joined May 2005
Total Posts : 4219
   Posted 8/28/2008 5:12 PM (GMT -7)   
I got it through my husbands group policy through his employer.
26 Year old married female law student (last year!!). Diagnosed w/ CD 4 years ago, IBS for over 10 years before that, which was probably the CD. I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid. For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn. I also have bad acid reflux and have been on PPI's since age 13. I have been through prilosec, prevacid, and nexium. Currently I am on Protonix in the morning and Zantac at night. I also take a birth control pill to allow some fun in my life.


map lady
Regular Member


Date Joined Feb 2008
Total Posts : 154
   Posted 8/29/2008 1:21 PM (GMT -7)   

Same here, employer-sponsored plan.

You wouldn't think it's so much to ask for a little bit of money, like maybe burial expenses and a month's pay if you die, to go to someone's family, especially since we could easily die from a car accident and not crohn's.  The insurance companies don't seem to see it that way though, most of them cry "RISK!!  OH NO!!" for any medical conditions and freak out.

If you check with enough companies you should be able to find a few that will offer you a really low level of coverage, like maybe 20,000 or 50,000, for a very reasonable amount of money.  It's not fantastic but it's waaaaay better than nothing tongue


Illini
Regular Member


Date Joined Dec 2007
Total Posts : 298
   Posted 8/29/2008 1:38 PM (GMT -7)   
My first policy was purchased when I was a toddler--my grandfather was in insurance salesman. A few years ago we upgraded/moved it to TransAmerica. It's a good company as far as I know. But this was all before diagnosis.

My grandfather also wrote a term policy through Banner Life for my husband. He has a mild heart issue. They were very detail-oriented about his health history, and in the end he got the policy and the premium is very reasonable. I would recommend trying Banner, or TransAmerica, if you have not already.

If you can't get it through your employer, your best bet is to find a private underwriter who writes policies with multiple companies, and have them do the legwork for you.

Good luck.
July 2007 Drug-Induced Liver Injury
January 2008 Crohn's Ileitis
Currently trying...
Entocort, Enteral Nutrition, Omega-3 (Flax Oil and Fish Oil), VSL#3, Vitamin E

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