I'll just tell you my experience. The life insurance co. offerred up to a $100,000 with no physical exam or medical history. However, if you wanted more you had to get a blood test and give your medical history. Once they found out I had UC they told me I could still get insurance but the rates were going to be like 4 or 5 times the amount of my husband's rate. Had I known then what I'd known now I would have gone for a $100,000 policy just to have a little something.