Life Insurance

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broomhilda
Veteran Member


Date Joined May 2007
Total Posts : 1488
   Posted 12/14/2009 5:44 PM (GMT -7)   
I've just tried to up my policy through my husband's benefit plan at work and have been denied additional coverage.  The policy the company offers is a little more than the cost of cremation and would in no way cover anything else for my husband in the event of my death.  Looking for outside term life private policy.  Suggestions?  I'm sure it will cost me through the wazooo...all puns intended!rolleyes

Becky77
Veteran Member


Date Joined Dec 2005
Total Posts : 1768
   Posted 12/14/2009 5:58 PM (GMT -7)   
I only have mine because my parents got the policy before I was diagnosed, and I kept paying for it. I'd be interested to see if anyone has been able to get a policy.

Good luck!
Becky

31 yr old female-dx with Crohn's in '97 after emergency resection and appendectomy, 2nd resection '05, Bilateral pulmonary emboli 10/09
Currently on Humira, Omeprazole, Effexor, Seroquel, Calcium, Vit D, sublingual B12, Coumadin


Nanners
Elite Member


Date Joined Apr 2005
Total Posts : 14995
   Posted 12/14/2009 6:31 PM (GMT -7)   
I have tried to apply for life insurance outside of my work and was turned down becuz of the Crohns. I think you will have a hard time and like you said, if you do find it I am sure it will be really expensive. We have missed you Broom!
Gail*Nanners* Co-Moderator for Crohns Disease & Anxiety/Panic
Crohn's Disease for over 34 years. Currently on Asacol, Prilosec, Estrace, Prinivil, Diltiazem, Percoset prn for pain, Zofran, Phenergan, Probiotics, Calcium, Vit D, and Xanax prn. Resections in 2002 & 2005. Also diagnosed w/ Fibromyalgia, Osteoarthritis, & Anxiety. Currently my Crohns is in remission, but my joints are going crazy!
*Every tomorrow has two handles.  We can take hold of it by the handle of anxiety, or by the handle of faith"*

AMinNJ
Regular Member


Date Joined Feb 2009
Total Posts : 40
   Posted 12/14/2009 6:38 PM (GMT -7)   
Oh great... I just applied a few weeks ago. Still waiting to hear. My insurance broker told me it wouldn't be a problem, that I just wouldn't get the best/preferred rate. Hope he's right.
Angela, age 43
dx Ulcerative Proctitis 2008 after colonoscopy
dx Crohn's 2009 after small capsule endoscopy
Symptoms on and off for more than 10 years
Currently taking no medications
Gluten-free, dairy-free, low sugar diet
VSL/probiotics, MorEPA, B Vitamins, Folic acid, Vit C, Vit D, Turmeric, Ginger, Selenium, Mushroom


broomhilda
Veteran Member


Date Joined May 2007
Total Posts : 1488
   Posted 12/14/2009 8:28 PM (GMT -7)   
AMinNJ-

So....what company did you go to? Let me know if you get it!
Dx'd Jan'06, 1st Resection 7/06, Humira, Imuran, B12 injections, Nexium, Lexapro, Nulev, Glucosamine, Multi-Vitamin, Calcium Citrate, Ultracet. Secondary conditions: Psorasis, Osteoarthritis, Fibromyalgia, Lactose Intolerant, gallstones, kidney stones & peri-menopausal.


broomhilda
Veteran Member


Date Joined May 2007
Total Posts : 1488
   Posted 12/14/2009 8:30 PM (GMT -7)   
cool Hey Nanners...I've been lurking every once and awhile!  Miss you guys too!  How have you been?

tsitodawg
Veteran Member


Date Joined Sep 2006
Total Posts : 845
   Posted 12/15/2009 12:37 AM (GMT -7)   
It is not impossible but pretty darn near impossible for someone with Crohn's to find affordable life insurance. My brother in law is an agent for a major firm and he tried everything he could and was not able to find something for me. The one place that we did find was of all places our credit union. I had no idea until my father nearly passed away and was hospitalized for a long time and his credit union actually paid him insurance money for every day that he was in the hospital and let him know that every member has the right to a policy. As a member you can also buy a bigger policy without a dr visit and insurance on your loans that would cover them in the event of your death or your spouse's death. I looked a little more into it because I am member of that same credit union and another credit union and found out that both had similar offers. It is not a huge life insurance policy but it some coverage as well as loan protection for a small cost. You may want to check in your area and see if you have any that offer something similar.

Sniper
Veteran Member


Date Joined Feb 2004
Total Posts : 6518
   Posted 12/15/2009 8:38 AM (GMT -7)   
Yesssss we have missed you. Andddddd, dont go thinking about cashing in that life insurance policy too soon either. Need you right here.
If we would read the secret history of our enemies,we would find in each mans life sorrow and suffering enough to disarm all hostility.


Carnival Huckster
Regular Member


Date Joined Oct 2009
Total Posts : 159
   Posted 12/15/2009 8:50 AM (GMT -7)   
I was able to purchase a large life insurance policy even after my diagnosis with Crohn's because, at the time I applied, I was not on any mediations and was controlling my symptoms with SCD alone. I tried to add a second life insurance policy recently and was denied by over 70 different companies because I was taking medications for Crohn's and also medications for depression. This was all me purchasing on the open market. I think the best way is to just get it through your employer and wait for things to quiet down.

+ 34 year old male
+ Crohn's Disease DX in 1997
+ Recently hospitalized because of ruptured small bowel; docs got it under control but have scheduled resection surgery for January 2010.
+ Taking Cipro (1000mg / day), Flagyl (1500mg / day), and Entocort (9mg / day) until surgery
+ SCD for past 10 years


Rider Fan
Veteran Member


Date Joined May 2008
Total Posts : 1445
   Posted 12/15/2009 12:43 PM (GMT -7)   
I got insurance after my dx and I was also on meds at the time, though I have to pay a bit more. I'm in Canada though, it's probably harder to get in the USA.
33 y/o male. Dx'ed in 1999. No surgeries.

Current meds: Humira 2/27/09. Proferrin iron pills.

Tried SCD, didn't work, now avoiding gluten and dairy.


Go Saskatchewan Roughriders!


Valerie3
Veteran Member


Date Joined Feb 2009
Total Posts : 529
   Posted 12/15/2009 2:52 PM (GMT -7)   
I'm also in Canada and have a life insurance policy through work, no problems.
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