Life Insurance with CD?

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Regular Member

Date Joined Feb 2005
Total Posts : 222
   Posted 3/21/2010 9:47 AM (GMT -6)   
I was able to get rated life insurance 8 years ago with CD, which I've had for 20 years. But in the last 6 months, when trying to get more life insurance, I have been denied twice. My disease is fairly under control, no hospital visits in last 10 years, on regular meds. Anyone able to get insurance after being denied? Which company? I'm otherwise in good health. No smoking or high blood pressure or any other conditions.

Post Edited (Dave123) : 3/21/2010 3:26:51 PM (GMT-6)

New Member

Date Joined Mar 2010
Total Posts : 10
   Posted 3/23/2010 10:17 AM (GMT -6)   
I haven't had any luck finding life insurance either and I have no policies. My husband applied for a minimal policy through his employeer and I was denied. If you find anyone let me know!

Veteran Member

Date Joined Nov 2007
Total Posts : 4054
   Posted 3/23/2010 10:50 AM (GMT -6)   
I was able to get term life from my professional organization..the National Association of Social workers, only because there were no medical questions required. I can't get any whole life insurance or anything that looks at medical history. Does any one know if the new health care bill covers pre-existing conditions for life insurance, or is it just health insurance?
51 yr. old female, diagnosed with Crohn's in small intestine and terminal ileum Sept-Oct. 2007. Also have IBS, and had Salmonella Dec. '07
currently taking Pentasa- 4 500mg pills per day, Metamucil and colace for constipation, probiotics

Veteran Member

Date Joined Mar 2005
Total Posts : 1289
   Posted 4/1/2010 11:53 PM (GMT -6)   
i called an insurance guy a while back and he basically laughed at me
35 year old male living in AZ.  Diagnosed with Crohns at age of 15.
Currently tapering prednisone (15 mgs) and I've been on 6_MP for 2 months.
In the middle of a bad flare now for 6 months...lost almost 30 lbs.

Veteran Member

Date Joined Jan 2003
Total Posts : 6044
   Posted 4/2/2010 4:04 AM (GMT -6)   
luckily my previous employers had group policies that i was able to get even with my problems. what you need to try is if you belong to a credit union or org. that has a group coverage, most wont deny you with health ptoblems. for the basic amounts they offer so if you join groups just take the 1k of free covergae they all offer, you could get 5k easy with differant groups. i did get accepted by state farm once a few years ago but they wanted 1500 a month.. for like 50k in coverage i have enough already so i told them to shove it. once you do get some though be sure to never let it lapse!

Regular Member

Date Joined Mar 2009
Total Posts : 452
   Posted 4/2/2010 7:05 AM (GMT -6)   

When I first started reading this post, I thought WHAT!  Why would CD affect Life Insurance?  Then I saw the responses.

When I got my insurance, I don't remember anyone asking, and I never told.  CD will not kill you anymore so I don't know why it should affect life insurance.  I understand medical, but not life.  Right now I am with Met Life.  Try them out.

36 yr old Male with Crohn's Disease since '88 - No Surgery yet
Been on almost every type of drug with bad results
Remicade since Nov 2009
Prilosec 20.6mg - 2x a day
Multivitamin daily, Loperamide HCL - 2mg every other day

New Member

Date Joined Apr 2010
Total Posts : 6
   Posted 4/2/2010 9:33 AM (GMT -6)   
My wife who has CD was denied coverage about 6mths ago by Northwest Mutual. I then had my agent check around with other carriers with no luck at all. The only option presented was an extremely expensive whole life hybrid. The cost was so much I did not look any farther at that one.

Elite Member

Date Joined Apr 2005
Total Posts : 14995
   Posted 4/2/2010 9:39 AM (GMT -6)   
I have life insurance thru my employer for myself and my husband. I worry though for that time when I am going to retire, if that will still be one of my benefits.
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"*

Veteran Member

Date Joined Jan 2003
Total Posts : 6044
   Posted 4/2/2010 9:04 PM (GMT -6)   
nanners most ins companies will let your transfer to a private policy, just higher premiums.. or evena retirees group or something,, like i said join good sam club, or AAA or whomever.. they all have group plans available to memebers.

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