Life Insurance with CD

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Regular Member

Date Joined Feb 2005
Total Posts : 222
   Posted 7/9/2010 7:03 AM (GMT -6)   
Has anyone been able to get a life policy with CD? I've been denied coverage by several insurers.

Regular Member

Date Joined Apr 2010
Total Posts : 81
   Posted 7/9/2010 8:08 AM (GMT -6)   

Dave123, although I live in Greece, I work in the insurance field for many years, and unfortunately pre-existing conditions are excluded when you are getting a life policy.  The only way they could cover your disease would be if it was a condition that came up after you were already insured.  Unfortunately the insurance companies - at least the ones I know - exclude all pre-existing conditions, the reason is very simple, they consider it a definite loss which will cost them money.

Of course you can get a life policy excluding the CD, but just to cover all the other possible health risks.



Veteran Member

Date Joined Aug 2007
Total Posts : 884
   Posted 7/9/2010 8:18 AM (GMT -6)   
My current policy is through my employer, but I used to have a personal policy and I have Crohn's.  I just paid more than someone without it, but I didn't have any problems getting the coverage.  I used an insurance agent who has access to several different companies, so she found the one with the best price for me.  It's possible that some of them denied to cover me and I just didn't know about it.   

Crohn's Disease, Acid Reflux/Gastritis, Hashimoto's Thyroiditis, Endometriosis, Arthritis, Depression/Anxiety.  Too many meds to list them all.  =) 

Regular Member

Date Joined Jul 2009
Total Posts : 417
   Posted 7/9/2010 11:38 AM (GMT -6)   
If we had the money I could easily get a million dollar policy for 25 a month. Just because you have CD doesn't mean you can't get life insurance, it just makes it more expensive. My husband for the same amount was 19 a month, and he doesn't have any health issues. Of course there's many things that play a role in how much your policy is, what kind of job you have, smoking/drinking, health issues, etc. Xander insurance is a great place, so is dfp financial. Good luck!
Diagnosed with UC in February 2009.
Diagnosed with Crohn's Colitis December 2009.
Flaring since October 2008
Possible Rheumatoid Arthritis

Medication: Pentasa 6x daily, Imuran 50 mg, multivitamin, Vit B12 1 g, omeprazole. Sulfasalazine

Regular Member

Date Joined May 2010
Total Posts : 88
   Posted 7/9/2010 2:24 PM (GMT -6)   
i don't have life insurance out on myself, but my mother has life insurance on herself, and she ha had crohns since she was 15 years old or so.
imagination is stronger than knowledge -- myth is more potent than history -- dreams are more powerful than facts -- hope always triumphs over experience -- laughter is the cure for grief -- love is stronger than death.

Regular Member

Date Joined Feb 2005
Total Posts : 222
   Posted 7/9/2010 3:52 PM (GMT -6)   
Thanks for the replies. I have had CD since I was 17. At 33 I was able to get a term life policy by paying higher premiums. I'm now 38 and trying to get another term policy and I keep getting outright denied, no options of higher premiums. I'm not sure if it's because I'm over the magic age of 35. Other than CD, I am in good health - no smoking, no high blood pressure, not overweight (CD helps there). I guess I will try to find an agent to help.

Regular Member

Date Joined Jun 2010
Total Posts : 337
   Posted 7/9/2010 8:51 PM (GMT -6)   
Maybe this website might help? I found it when I was searching for life insurance. I haven't had a chance to apply yet, so I'm not sure how good the service works. But it's pretty much the only insurance company/agency group I found that outright offers medical underwriting for Crohn's on my first trip through the internet...

Sounds kind of like they work with people who have different disease and help them get insurance. Good isn't another thing that we should have to worry about...
Diagnosed 2002 at 18. Remission for about 7 years. Getting back into the swing of things at 26.

75mg Imuran, 750mg Balsalazide 3x day, Tapering Pred.

Maybe flaring...maybe not?

Veteran Member

Date Joined Mar 2005
Total Posts : 1289
   Posted 7/9/2010 11:28 PM (GMT -6)   
good luck. i was told forget it...
i have life insurance through work-
but i guess that's only good if i die while i'm employed there-
haha sorry.
36 year old male living in AZ.  Diagnosed with Crohns at age of 15.
Currently on 30 mg prednisone.  still taking Asacol.  Just had 3rd Remicade infusion 3 weeks ago
In the middle of a bad flare now for over a year...lost almost 30 lbs. -- gained most of it back now.

New Member

Date Joined Oct 2005
Total Posts : 18
   Posted 7/10/2010 4:33 PM (GMT -6)   
I was able to get a policy thru USAA, but it costs me an addtional $200 a year because of my CD.
Diagnosed with Crohns in 2006 at 43, sudden onset.
09/2009 Colonoscopy showed inflammation in the terminal ileum, rectum and all over entire colon.
Meds:  6-MP 100mg, Prednisone 15mg with 5mg taper per week, Lialda 4.8g, B-12 tablets, Folic Acid, Calcium +D, Humira, Prilosec
Sulfasalazine, Pentsa, Colazol, EntocortRemicade, Cipro, Flagyl
Hospitalizations:  Jan 2010 for uncontrolled flare.

Veteran Member

Date Joined Jan 2003
Total Posts : 6044
   Posted 7/10/2010 11:52 PM (GMT -6)   
well i can say yes i have insurance that was a gruop policy converted to private .. so my rates are locked in at about 150 a month.. state farm keeps sending me an application all the time for life insurance, one time i took it in filled it out and was told yeah we can write you for 1100 a month.. seems they dont like it if youve died already.. ;-).

Veteran Member

Date Joined Mar 2005
Total Posts : 1289
   Posted 7/11/2010 12:06 AM (GMT -6)   
USAA really? i'll have to call them. my wife's is there- i'm 99% sure they are one of the one's who told me no way a couple of years ago...
randynoguts- 1100 a month????? holy moly!
36 year old male living in AZ.  Diagnosed with Crohns at age of 15.
Currently on 30 mg prednisone.  still taking Asacol.  Just had 3rd Remicade infusion 3 weeks ago
In the middle of a bad flare now for over a year...lost almost 30 lbs. -- gained most of it back now.

Veteran Member

Date Joined Dec 2005
Total Posts : 637
   Posted 7/11/2010 12:53 PM (GMT -6)   
I have life insurance through a previous employer.

As long as I remain disabled, then I don't pay the premiums. It is group coverage, governed by ERISA.

Visit this forum below, and ask to speak someone, or just sift through posts, and find an agent you like.

Becoming undone
Veteran Member

Date Joined Jul 2007
Total Posts : 927
   Posted 7/11/2010 8:48 PM (GMT -6)   
Hmmm...looks like I'm outa luck...ah, that sclerosing colangitis...dang liver! and I didn't even get to drink enough either! I know you can get some when you work, but I don't know if that is possible in the near future...
"The earth laughs in flowers"

Veteran Member

Date Joined May 2003
Total Posts : 2480
   Posted 7/11/2010 10:06 PM (GMT -6)   
If you die, they will likely blame it on the CD or meds somehow and won't pay up.

Regular Member

Date Joined Aug 2008
Total Posts : 190
   Posted 7/11/2010 10:42 PM (GMT -6)   
I have two life insurance plans. One my parents got for me a looong time ago before I was ever diagnosed. Then I got a second one through my employer and recently raised the coverage. Didn't get denied or raised premiums, but I don't recall it asking about health conditions either. Just how much coverage I wanted.
Feeling the best I have in several years! And it keeps getting better!

4mg LDN at bedtime, 500mg Pentasa 3x/day, 1,000 I/U Vitamin D3 2x/day, 1 Nature's Way Primadophilus Reuteri in the morning and 1 at bed time, 1 Coromega Omega 3 pack 2x/day
Medication prior to taking LDN: 100 mg Imuran a day (GI wanted 150 mg), 1,000 mg of Pentasa 4x/day, 3 mg of Entocort 3x/day, Librax as needed.

Veteran Member

Date Joined Jan 2003
Total Posts : 6044
   Posted 7/12/2010 4:35 AM (GMT -6)   
seems the best and cheapest is through a group like, AARP,Good sam club, credit union or bank etc.. usually you can get a 1000 dollar policy for free with an option to raise it without a exam or questions.

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